Unum Insurance Company Reviews

I found no support; they deduct payments from my paycheck on time, but when it comes to disability benefits after an accident, they come up with all sorts of reasons to deny it. I find the company degrading.

The 1 star reviews are correct. You basically have to do their work to get anything done. And they fall back on company procedures to gaslight you. We don't work there. How would we know if someone Unum said can do this job is telling us wrong information. Instead of telling us, tell your workers what should of been done. To get your claims specialist, you have to request them to call. But most times they are going to rude and indifferent. I treat my pet better than they do us reading these reviews. If we were talking about magazine subscriptions I'm sure most of us wouldn't have bothered to write a review. But this is our health. Many of us get this insurance through our employer. Which means not only are we trying to get better but also KEEP OUR JOB. But Unum doesn't care. And saying sorry will not correct the harm that's been done, not only physically but mentally. These reviews are heartbreaking. I don't understand how they're able to conduct business still.

UNUM. Terrible customer support. I do not recommend this company. They seem friendly upfront and then when you need something they deny everything. I tried to reach out via phone and email and tried to negotiate and explain my case but nothing.

I have been paying for short term disability for almost 4 years and I recently filed a claim for maternity leave. Short term disability is supposed to pay 50% of wages for 6 weeks. That's only after you use all your PTO and wait a month for “elimination period”. So that means you actually only get paid for 2 weeks. But the first payment is deposited late. So the reality is you only get paid for 1 week. The way it is advertised as 6 wks of pay is grossly inaccurate and borderline fraudulent. Don’t pay for Unum disability insurance. They will take your money and give you nothing in return. SUCH A SCAM!

There is no point in having coverage if you have it through this company. They deny, deny, deny until you are forced to call and speak with a representative. Each representative you speak with will tell you something different, so hope and pray you get someone who knows something about their job when you call. I will not be able to get any further dental work done EVEN though my employer forces me to give money to this dreadful provider BECAUSE I can not afford the out of pocket costs.

The Unum app is very good but it could use an email outlet for customers who are receiving disability because I’m sure that others like me have questions that we can’t ask because when using the telephone there is no way to contact a person or the person who is case manager of my disability claim.

This is the shittiest short term organization on earth. I was disabled in June 2025. Drew benefits for 6 weeks and they cut me off. As of today Sept 29,2025. My employer cannot meet my medical restrictions. Mesha my claims manager had stated “if your employer cannot meet your restrictions you will stay on short term” That was a lie. They are bunch of liars. Don’t pay these benefits. They are useless.

If I could leave 0 stars I would. The process through UNUM has been one of the worst experiences ever. I submitted my first claim ever, because my mental health, and the claims specialist, her name is Alycia, argued with me and denied my claim saying I was committing fraud. Even though, my psychiatrist submitted a letter of intent and documents from our appointment about my claim, Alycia said she would not approve the claim, because she said both myself and my doctor were wrong. This only made the already stressful situation more stressful. She still argued with me and said I needed more documentation to support my claim, to which I said I would just submit a new claim then and get a new claims specialist, so she undenied it and left it pending.

Do not buy insurance from UNUM....Look at these scores....Absolutely horrible customer service and responses to simple items like trying to change the checking account to withdraw payments from....DO NOT BUY from UNUM

We are a funeral home and provided services for a family in which we were named beneficiary. The company would not send us the claim forms to get the process started and once they did they only send letters requesting more information which they already were sent. We have submitted to our state's insurance commissioner's office for assistance.

This is the company CVS is currently using for short-term disability benefits. My caseworker was non-responsive recently. To the tune of seven business days! When I contacted my PCP, they noted a response more than 10 business days earlier when I checked the website I had no to do listed When I contacted CVS leave department, they said I had to file all questions and complaints through Unum when employee specific. After I did so, I got a manager that assisted me, but then she too completely screwed my payment by combining two weeks together!

Can I rate it less than 1 star? I signed up for a whole life policy through an employer where I had automatic paycheck deductions. When I left the employer, I got no notice from Unum on what to do. I also forgot about it. About 18 months after I left, I found a statement which led me to call them Where an employee told me they did not contact me about making payments on the policy, but they should’ve and there’s nothing I can do about it now. Frustrated, I left it there. I filed a complaint with the Alabama Insurance Commission and Better Business Bureau. A couple years later, I called back, where they denied what that rep had told me, but also would not allow access to that recorded phone call.

I was NEVER provided the benefits specifications and what my particular insurance covered vs not… I gave notice 6 WEEKS prior to going out on voluntary surgery that I would be… after many back and forth MEAN (the specialists speak down to you like you are scum of the earth just looking to rob from them) conversations with claims and appeals and finally supervisor, I was told that the “disability had to happen before they can request info from your Dr to determine “PRE-EXISTING”! How does that make sense! I could have cancelled my surgery date for a later time when it WOULDN’T have been considered pre-existing, but they did not TELL ME that it could be or that they needed the “disability date to happen” BEFORE going out on leave.

Customer service is horrible. My agent is always out of the office and when she is in the office she NEVER returns my calls. It takes a prayer to heaven to speak to someone and you never speak to the same person. I have been trying to get a payment for 3 weeks. All of this is while I am dealing with a significant amount of pain. If I could I would give O for experience. This benefit is through my job which means I have to pay a portion. It is not free!!!

I have been on LTD now for 10-12yrs. My issues are chronic with no change, chronic pain including 4 spinal fusions and multiple autoimmune diseases. I Have had multiple additional diagnoses and last eval was borderline harassment, went months over the normal evals I’ve had for years and a definite HIPPA Violation. 5 months later. I’m getting eval’d again, and I only found out because I called to request a copy of my policy. I guess the need for information prompts a 5 month eval, because I got the letter the same day I asked for a copy of my policy. My doctors don’t even want to work with them. I don’t know how differently they need the same things explained to them every year, but it’s just ridiculous.

Faxing all information and documents back and forth with paperwork and signed documents. Took over 3 weeks. Unum still didn't get them when hospital claimed they sent them. Finally went in personally and watching my Surgeon fill out paperwork for a out patient surgery. Unum still denied my ONE day that I was unable to work due to anesthesia. Horrible company, very unorganized and unprofessional. I can't imagine having a major surgery and having to go through all the miscommunication with this horrendous Company. Many people where I've worked also had issue with Unum on multiple occasions.

It's a shame that you cannot leave a review of less than one star. This company plans to not authorize claims. My care team cannot believe the amount of paperwork required by UNUM for simple short term disability claims.

Despite my surgeon sending my certification requiring 3 months leave for open heart surgery, they only approved 4 weeks. I was required to submit records showing a change in care and need for an extension past each 4 weeks. My surgeon submitted a certification three times, included my entire record, two weeks before the deadline. They told me I didn’t provide records that I started rehab by the deadline. Rehab didn’t start until AFTER the deadline! It’s absurd that I was expected to resend records every few weeks, while recovering from a 9 hour major surgery, when my surgeon clearly stated I could not return to work for 12 weeks. Even when I sent the records, two weeks early, they didn’t review them & I was shorted pay. My reconstructed heart surgery, with complications, was less stressful than this. Absolutely horrible.

Horrible experience. They don’t process anything unless you call them yourself to tell them what should be done! They lied and said I was speaking to a Supervisor, which I requested. She was not a supervisor, just a claims specialist. She lied and told me forms were requested and they weren’t. I called to confirm with my provider and even the information they gave me about why they weren’t able to get the form was a lie. This is a headache. They don’t reach out when they need more info. You have to keep calling and waiting for a call back. They don’t seem to have a system that makes sense. If you know you need medical records to process a claim then why would you not request that first?? It’s backwards and it wastes people time. I’m very dissatisfied.

I normally don’t leave reviews, but I felt it was important to share my experience so others don’t waste their time and money like I did. I went to Specialist Madison expecting professional help and reliable service, but unfortunately, that was far from what I received. Not only did they fail to help me in any meaningful way, but they also based their entire assessment on the opinion of just one examiner — an individual who is not even accredited by the Better Business Bureau (BBB) or any other recognized authority. That’s not just unprofessional, it’s irresponsible. You can’t make serious decisions or give advice based on someone with no real credentials. The lack of proper vetting and the reliance on such a questionable source of information really shows how incompetent and careless this place is when it comes to handling serious matters. I trusted them with something important, and they completely dropped the ball.

Horrible company.. Asking for a certification prior to scheduled surgery and forms. Could not access it from work tablet. Had to screenshot, print the screenshot and scan it in order to reach to Dr.'s office. This company should assist employee not to get too stressful especially after surgery. It really made me stress.... Their rules were out of line. This company shouldn't be made to handle leaves of other company.

I initially opted in direct deposit. A Check was mailed instead. After contacting Unum questioning the payment route, the check was canceled and direct deposit set up again. Once again, a check was issued. Unum took it upon themselves to cancel the second check. I didn't know until I went to Bank of America, their bank, to cash said check and was informed that a stop payment had been put on the check. Maybe just maybe, the third time is the charm. Geezzzeeee, this company has been in business far too long to be this incompetent.

Horrible company. Every interaction takes 5 business days for a response. YOU WILL NEVER hear from your case manager. Calling them to discuss what's needed doesn't help. Requesting to be sent documents directly so you can send to your provider? Don't bother, they won't. They repeatedly ask for the same things over and over. The website does not update even when you do provide documents. Just all around horrible. Don't expect to be approved for STD or LTD. They will eat up all of your time to process this claim with their 5 business days turnaround time for each instance.

Short term disability has been a nightmare. Communication is non-existent. And when they do speak with you they flat out lie. Took a month and me calling to find out they needed additional information and then they "mistakenly" closed my claim and it took 3 days and multiple calls to get it corrected back to pending. Then they stated they needed a specific test submitted and a week later a different agent said they needed something completely different. Meanwhile I have been 5 weeks without pay.

I’m very disappointed with my recent experience with UNUM. I was told by Agent Kimbirlie that documents from my employer were still pending, even though my employer confirmed they had submitted everything over a week ago. When I raised this issue, the agent was dismissive and unhelpful, making me feel ignored during an already stressful situation.

They incorrectly issued an overpayment check and before I could deposit it they started kept communicating with me that I needed to repay the overpayment. At one point I received communication threatening to hand over the matter to a collection agency when in fact they still owed me.

I was on LTD with UNUM for almost 7 years. They offered me a buyout for close to a quarter of a million. When I declined the offer, due to it not being able to pay my mortgage, they terminated my benefits!!! Their review was based off of cherry picking small bits of information, omitting information, or completely lying about medical reports.

This company deserves less than 1 star for taking advantage of their customers the way they do. Multiple denied claims without explanation and it’s impossible to contact a human being that knows what’s going on. No one can find your claim or tell you anything about it, absolutely useless company. If your Employer uses them as part of a benefits package, make sure you get a salary increase and put money aside for yourself.

My experience with this company has to do with life insurance that my uncle bought through this company. You can't speak to the people that are reviewing your claim so you get information through customer service but I have been told different things depending on who answers my call, if they answer. Don't call after 3:30 CST because you will just stay on hold till they close at 4:30pm CST. I submitted everything that the letter told me would need to be submitted but now they are coming up with even more things that they need, it's just a way to prolong payment or else they would tell you everything in the beginning. So beware, they are awesome at taking payments but suck at making any kind of payment. And the statement that they will process your claim in 7 - 10 days is a flat out lie. At this point I doubt I will ever see a payment.

If I could give this company 0 stars I would. I recently had oral surgery and used up all my vacation days. There was a complication, and I need to go in for another surgery. Since I used most of my days for the first surgery, I was looking for options to cover the second surgery. I went to the website to find out information on exactly what the process is and how long. There were no drop downs to give you options of the type of vacation so it says you can either live chat or schedule a call. I chose live chat. A representative answered and immediately said she would transfer me to someone that could help me.