Unum Insurance Company Reviews

Horrible. No one takes responsibility for your case and a lot of broken promises of someone getting back to you.

This company has been extremely difficult to work with. There appears to be a consistent lack of clarity among staff regarding processes and how customers should be properly guided. The required paperwork was vague and poorly structured, resulting in my physician having to complete the same forms multiple times. My doctor also shared concerns about the quality and clarity of the documentation.

Zero Stars! Unresponsive, repetitive requests for same information via app or phone causing extreme delays when the consumer is hoping to be efficient and get ahead of deadlines without delay of payment. Will never purchase this "benefit" again. In future just try to prepare and put the same benefit amount in my savings account.

We found UNUM to be very efficient in processing our LTC. They were very helpful in handling our claim and it was expedited efficiently.

I am now on week four of being out of work for a serious condition that does not allow me to return. I have filled out all paperwork, faxed and uploaded to their portal. My PCP office has also faxed all paperwork, still no approval. When I called customer service the rep tried to tell me they were missing an authorization form which was the first document I uploaded. I called him out by informing him that on the portal it shows I uploaded the document two weeks prior.

If the system allowed, zero stars. I know, and Unum knows that my claim was approved. But, they need paperwork from me. They can’t tell me how to fill out said form, nor do they know who I should talk to, to find out.

If negative stars were an option, Unum would be leading the board. After submitting all required documentation, my claim is still delayed—with no clear reason. Meanwhile, executive compensation is tied to company performance, raising serious concerns about whether profits are being prioritized over people. There’s a long history of complaints, litigation, and regulatory scrutiny. At what point does accountability step in? People pay into these policies for protection when they need it most—not roadblocks. #Unum #InsuranceAccountability #BadFaithInsurance #ClaimDelay #ConsumerRights #IllinoisAttorneyGeneral #ILDeptOfInsurance #InsuranceReform #FairClaimsHandling #HoldThemAccountable

Had to miss work for 8 weeks. I only received money from this insurance company for 5 weeks, playing the game of more documents are needed. After fulfilling their document requirements, I was informed that a fax usually takes 5 days to receive and review. I submitted forms for Unum to get my medical records and had my physician send as well, still their reply was. I wasn't scheduled for two weeks extra off from work, umm, my physician said I could not return to work until a certain date, so I'm sure Unum will short-change me on my additional two checks. Worst company to do any association with. Customer service is a joke, waiting on a return phone call, is indefinite... good luck to anyone using these people. Rating them - 50. Texas

I’m extremely frustrated with my experience with Unum. First, the automated phone system is unnecessarily difficult. You’re forced to review every payment you’ve received before you can even speak to a representative, which is incredibly time-consuming and frustrating when you just need help. When you finally reach customer service, they’re unable to resolve most issues and instead direct you to your assigned agent—who is often unavailable. While my second agent was more responsive than my first, the inconsistency in support is a major problem.

This has been the most frustrating process that I have to deal. I gave in detail from the beginning why I need to take leave off from work. They would approve week by week even though my doctor gave a time frame since in being seen by multiple doctors for my issue and waiting on approvals for referrals. My mri came in with findings and the specialist and already made my appointment before findings and did not have a sooner appointment. Unum denied my extension and now I have to appeal. A whole month without being paid and now I have to wait 45 or more days for a decision to be made. They are horrible and every time they requested medical paper work or felt they needed to call the doctor it added another 5 days for review. So again a month of being in the dark and being denied. I did not want to even give this company one star.