Unum Insurance Company

Have disability policy for over "35 years" with John Hancock. Recently became disabled and after filing with Hancock had no response after attempt after attempt. They handed case to UNUM and stated begin process over again after already doing this for 8 months. Still nothing. The policy has 60 day elimination period and now doing this for over 14 months and down thousands of dollars. Now a major lawsuit for not honoring policy. Hancock and UNUM did not deny or approve claim. Simply not honoring policy. 35 years of premiums and with letters of disability from doctor specialists.. Still Nothing. Now with attorneys so should cost at least thousands and thousands of dollars in court. I am already out besides the 35 plus years of premiums over $20,000 so far trying to get policy honored. CORRUPT!!!

This company is a horrible place to work at much less use for your employee’s leave of absence or any other product they offer. They give you the runaround. They do not care about you. They will have all information needed to approve your claim and you will have to wait weeks for pay. They treat their employees the same way as their customers. All they care about is making money for themselves. DO NOT use this company. I have been waiting almost 2 months for my approval letters and pay. My doctor has sent in everything they need for approval multiple times. Unum will not reach out to you to tell you what’s needed. They will deny your claim before they make an outbound phone call attempt to help you get your claim approved. They do not help during a stressful time in your life when you and/or your family member are sick. AVOID THIS COMPANY AT ALL COSTS.

These guys had a license to steal!! I don't think they sell LTC anymore & thank the lord they can't screw anybody else out of their money. My wife waited the 90 day period just to find out they were only making 1 payment, so I ordered a cancellation of the policy & was told just think you don't have to wait another 90 days on another claim. Her Dr. retired so she went to another & was told too bad we didn't hear back from her Dr. so we`re not paying. I thought about a Lawyer but figured they would get most of the money, another shyster. I hope Unum goes under & doesn't survive!!

Unum denied my short term disability claim for no reason! My doctor supplied everything as requested! I will be pursuing legal action! Disgusting unethical company! They won’t get away with how they treat people.

I filed a short term disability claim which has been a waste of valuable time.. Information sent in is not updated accurately, Information given by representatives are false or inaccurate. The claim rep is useless and doesn't care about me as a customer nor human. This company is below poor. My physicians have sent in medical documentation. The claim rep claimed a clinical review was to be conducted on August 31, 2022 and a letter would be in the portal the next day. Nothing is there along with inaccurate Information.

Where can I possibly begin.... My employer started to utilize Unum for overseeing FMLA/disability claims. I have had NOTHING but grief and anxiety since the switch. They will outright REFUSE to contact you unless you send a note through their website which can be tracked. If you call them, don't make the mistake of telling any of the "customer service" (what a joke) representatives they are wrong about something because when you do, they will first try to talk over you. When you refuse to allow them to do that, they will practice call avoidance and put you on mute so that you have no way to fill the satisfaction survey or request an escalation. Today I immediately called back to try to get a supervisor, only to never have one pick up. Tried to call again.... Got the after hours message.

Back in February 2022 and today, I received a delinquent/termination letters without receiving any invoices from UNUM. "We sent out an invoice on blah blah blah date and our records show we sent out a delinquent/termination letters on blah...date and under provisions of the contract, this policy cannot be reinstated after it has been terminated." I have no issues receiving mail from anyone else but them....How convenient is this you can policies to lower the possibilities of claims..Claims you obviously don't pay looking at your other reviews!! I will take my business elsewhere. I'm not begging or dealing with this type of extreme substandard customer service!

I am writing to express my extreme dissatisfaction with UNUM Long Term Care Insurance. We are a family in crisis. I suffer from Multiple Sclerosis, Trigeminal Neuralgia, and bladder cancer. These are just a few of my numerous debilitating conditions. Additionally, I am wheelchair bound and need assistance with all ADLs, including personal hygiene, grooming, dressing, toileting, transferring, ambulating, and eating. My primary care physician provided an Attending Physician’s Statement verifying that I need assistance with 6 out of 6 ADLS. A nurse, sent by UNUM to evaluate me, confirmed Dr. **’s evaluation that I need assistance with 6 out of 6 ADLS.

My Employer utilized UNUM and went into process feeling relief since I knew I would have to be off work a considerable amount of time when we initiated process for my Daughter’s Kidney Transplant. My experience has been terrible. First they continually denied the claim every time I was off work for the same claim. I completed all the paperwork and obtained Doctor’s completed paperwork and given green light. On the next intermittent FMLA claim, they denied for a heart transplant and all paperwork states Kidney Transplant. (Incompetence in review process)

My consulting company switched our dental insurance from Metlife Dental to Unum insurance at the beginning of 1/1/22. If your employer offers you this dental insurance be sure to not take it and get your own. It's not worth hassle of trying to get the services paid for. It has been almost 5 months since I submitted a claim, and they still have not paid my dentist for the services. I resubmitted the claim again, and the customer service representative said it would take 30 for them to respond. SMH... This by far a racket and the worst experience I have had with dental coverage.