Unum Insurance Company Reviews

Stay away from this insurance. I am a policy holder and after submitting proof of your having a medical condition and providing documentation and still you get denied benefits. And they pay a whole month in the amount of $117.10 from June 21, 2024 to July 22, 2024 instead of paying $1394.00 so stay away from this company.

I had a back surgery, they got all the stuff they needed from me and the doctor's office and it is delay, delay, delay. Never use this company. You never talk to anyone that has any brains. I believe it is all out sourced.

Unum is the worst company to deal with. They don’t know how to read paperwork submitted by the hospital. They take weeks to get payments out (off from work 5 weeks before I got a check and it is shorted a whole week because they have my disability date wrong). Completely incompetent company, employers should think twice before using them to manage FMLA and disability needs.

10 yrs LTD. 4 spinal fusion - hardware T5-pelvis. Dropped and paid only half a month. Just like that - I can work. They said I was better because my PCP, said return as needed to see him, noted would give ** and call - we would change my meds for spasms. Wasn’t enough medical documentation. Called my doctor and he said I could not work and I am not better. I hired an attorney. They will get my money, the doctors have gotten money because I went to 3 different providers and had an MRI to validate my numerous chronic conditions. UNUM wants to get rid of me. They have tried to give me a lump sum twice. I would guess they know I’ll never get better. Bad faith. Devastating. I had to move, and now, I am so worried when I go out, because they sent a PI to watch me - I was dinged for walking my dogs. They are used for balance. Bad faith. The best therapy is a walk. I only go at most 10-15 minutes, if that.

UNUM approved my PTSD Disability claim and after the 180 waiting period they paid and found me totally disabled with a “mental illness” even though studies show PTSD is brain damage. I proved medical evidence and thought I was done and was assigned a new very snippy claim specialist who sent more forms and want yet more information even through I provided enough evidence little over a month ago. Every time I hear from them I lose any progress and go back the trauma that caused my disability and I spiral. They don’t care. A very stern and cold automatron who Into used to the pain from the humiliated and disabled, brushes me off like a fly. The Insurance regulators need to do better. Disability insurance companies are the very bottom of the barrel and I see why people commit suicide, although I am not planning to, I understand. Jesus weeps.

I enrolled in UNUM voluntary insurance and the coverage information included eye injuries and surgery. On 11/30/2023 I had surgery for a detached retina and a Giant Retinal Tear. The doctors injected silicone oil into my eye for recovery purposes. On 2/8/2024, I had a second surgery to remove the oil. I submitted a claim for an accident due to the detachment, however, I could not say exactly how my retina became detached and torn. It usually involves head trauma, but again, I could not pin point the exact incident because detachments/tears can be slow to evolve.

UNUM came to my company's open enrollment, and put on a great show. The rep convinced so many of us to allow payroll deduction for the STD and/or LTD policies through UNUM. I was injured about 8 months afterward. Our HR department got the ball rolling for me to receive STD. It was nothing more than a well-rehearsed game I played with the STD claims rep. I had MRIs that showed the injury/disability. For 10 weeks, the claims rep played a game with me all the way up until the day I got a medical release to return to work. On that day, she told me I was being denied. I learned there were others in my company who had the same experience. Our company switched to Mutual of Omaha for the STD/LTD during the next open enrollment. UNUM has horrible reviews.

I'll most likely be calling the insurance commissioner over Unum. One star is too high a rating for this worthless company. They currently owe me $8,000 for a short-term disability claim. I've called them numerous times. It takes several minutes to get through all the prompts to finally get someone on the phone which I'm sure his by design. No one's ever able to actually help and they refuse to let you talk to a manager/supervisor. This past week, one of the representatives knew I obviously was not happy and would not hang up the phone for me to take the automated survey. I explained to her that I knew what she was doing and she tried to tell me I had to hang up first for me to be able to take the survey. WRONG.

I have been working with them through the employer on my paid family leave. The communication was very slow and they struggle to get the facts right even after multiple phone calls (which by the way is very time consuming because it is almost impossible to reach a specialist in the automatic system). Payment is very delayed.

Like others if I could give negative rating I would. These people treat you horribly when you ask them questions. They never actually answer the questions that are asked especially when it comes to the fact that it seems they have lost my medical records. Then they gaslight you to make you think you are absolutely crazy. They blame you the customer for them not having everything even when you have proof that the information requested has been sent. They also tell you to upload records on their app, however some records wouldn’t upload cause they were too big to upload. I’ve had claims specialists actually tell me they could be working on claims but instead they are having to deal with my phone calls when they already answered my questions, in which they never answered my question.

I received nothing but considerate and compassionate care and correspondence during my experience with Unum. I worked with three different representatives, Kanita, Brianna & Amee, all of which were both professional and positive. I’m very thankful for both the manner and the promptness Of the entire group. I would highly recommend them.

The worst company for short and long term disability company. They never call you back when customer service tells you that they will call you back within that day by 5 pm. Usually it takes five days to get an return phone call. Also, when they need an additional information, they don't really tell you what you need until after the 5 days they have to review the claim and then they have additional 5 days. Never did get an regular check every 2 weeks. It took me to 5 weeks to get my first check. They always came back they didn't get information from my doctors. They did because my doctor emailed me what they faxed. Not a great company for disability.

I feel Unum is discriminating especially to older workers. I'm in my 60s living alone. Worked at retail company for over 20 years. I worked hard. Even worked on a torn meniscus for over 6 months. It's on camera. They denied my disability even tho I was willing to work one to 2 days short hours. Keep in mind my job is on my feet. I have carpal tunnel which I could with workers comp maybe. I have bad knees, bad back, neck and increased cranial pressure along with depression and anxiety and they expect me to work saying I have no disability.

I have carried Unum for 3 years. I have the Accidental Policy, Hospital Policy and Critical Illness Policy. I have used the Accidental 3 times and pay was within 2-3 weeks. Hospital Policy once and same 2-3 weeks. I just submitted a claim for Critical Illness because I had a stroke it has only been 1 day so I will have to come back to that after a few weeks to let you know how that pays out. The website is pretty user-friendly. I had to call once but got through after a couple of calls but they were friendly and helped me out. It was over the direct deposit but now I noticed they have updated their site to include it so that is not even an issue now.

I hope I never have to deal with this company again. The worst customer service - your case manager is useless and the only way to speak to them is the 800 number and seems like every time I call they are not available and have to wait 3-5 days for a callback. They close your case without contacting you at all then deny your days for not being able to report due to your case being closed. If you can find another company to go through!

I would never recommend them. Customer service via email only. They don't respond in timely matter even if they need an immediate answer! Format of their email is even complicated. Horrible, horrible customer service!!!!

I wish I could give them negative stars. Where do I begin? I filed my claim on January 10th, and it’s now April 9th, and a decision has not been made. They have been harassing my doctors. First, my surgeon, and now my rheumatologist that has nothing to do with the claim. They keep trying different approaches so they can deny my claim. They’re waiting for someone to make a mistake or not turn something in on time to deny it. They don’t communicate anything with the employee, they don’t let you see what information they are requesting from your doctors. They will continue to ask for information so they can gain 5 extra business days and people just give up. You are messing with people’s livelihood!

They suck. I had to take a medical leave of absence. They emailed me the paperwork I needed to have my doctor fill out and we sent it in. And then they need more info. There’s a form apparently I need for more information that they cannot email to me so I can make sure it gets to the proper place. This place is unbelievable. I got bills due and they just trying to play with my money they can email all the other papers but not this on for more info and this makes no sense to me. I come to my doctor today. My doctor does not have a fax machine. I don’t have a fax machine. They said go to the Site and print it out there. The only thing is is that if there’s no attachment for that paper. I explained this to the gentleman and he said there is. There’s not. Horrible place to deal with. Don’t have to take medical leave of absence or an FMLA because they do not care. They work for the business and not for you.

Like so many others, if I could give a 0 or negative, I would! They are horrible! We have Unum through my employer and they constantly have you jump through hoops just to constantly keep you in a loop. I’ve tried to use them for FMLA to take care of a family member and it has been a nightmare! If you have a choice - DO NOT CHOOSE UNUM!!!

I wish I could give this company a negative zero (-0) rating! I signed up for their short- and long-term disability plans through my employer (Tidewater Offshore Marine), and it's been nothing but issues, none of which I experienced with my former employers' plans. I was put on leave status from my job due to an injury, which later required surgery. My h.r. rep told me to file my paperwork with Unum for my short-term disability, and I wasn't paid until a week after I had my surgery (a span of almost 3 1/2 months!).

If I could give ZERO, I would!! I purchased this thru my job and added my spouse and 4 children. My husband became critical ill and unfortunately, he passed away, when I filed a claim for this coverage, they DENIED me...I am already going thru losing my loved one and here they come making everything difficult. This is called CRITICAL ILLNESS coverage for a reason, I will NEVER purchase this mess again! I will also be reporting them to ALL agencies, this situation has further stressed me out! Why offer it? Why have me email and call you several times? This company has basically STOLEN from me and many others. I will also be contacting my local news because I promise this is not the 1st time they have did this...just check the reviews! I will be canceling anything I have associated with these thieves!

It is no kind of fun to submit a medical leave, go through major surgery, and spend the recovery time calling Unum repeatedly to get nowhere! My claim was submitted on February 8th, but nothing has been approved or paid since. Every time I call we start with that they need more forms/paperwork and end with they do not need anything and have no idea why nothing has been approved. The call usually ends in my tears out of frustration. They have the worst reviews I have ever seen in my life. How can this company get away with this behavior? You are dealing with people who have just gone through some serious medical procedures and you can't answer the simplest of questions let alone get people paid. I have now turned this over to my benefits team in hopes that can be a catalyst for some sort of action.

I first started having issues with FMLA intermittent leave when I started a new claim for intermittent leave. I had already been off a few weeks for FMLA prior to that. My doctor submitted all paperwork, and they requested information 3 more times. The letter stating what was needed were obviously already answered i.e. doctor's signature, time needed, fax number, etc. After 2 months of trying to get it approved and finally getting connected to a claim specialist only because I used HR, they stated I didn't need a new claim (B) because I had already been off earlier in the year for the same condition. Claim (A) was closed, and paperwork was shown as linked to claim (B) and days approved. Upon looking at the Unum website, I noticed all communications and records regarding claim (A) were no longer accessible to me, but I had printed some of the communication.

My husband needed to go on disability and his company was in middle of changing policies with Unum. We had to wait 2 months before ever receiving a determination of whether he would be under the "old" or "new" policy. He ended up having to be considered on the "old policy" and therefore we were denied the better "new" policy. If we had received a more timely response, we could have made different choices regarding his disability and he could have met the requirements of the "new" policy. But because it took them 2 months to answer, it was too late at that point. His company's Human Resources could not get an answer either.

This company is beyond horrible. My job switched to them half way through the year and I was already on FMLA. They required all new paperwork from my doctor and then did start my FMLA until they did their work on their end almost a month after I got the paperwork from my doctor to them. Then they do a 6 month review of your FMLA that they don't tell you you must request the paperwork sent to your doctor and then without contact to you or even a letter to you will close your FMLA at 6 months because you didn't request to have your FMLA that's good for a year reviewed by their company at 6 months. And it's impossible to speak to the "person" who is my case worker even though countless messages have been left to be called back.

I had to go on leave from my job because of a hiatal hernia. After finally getting the surgery, the first attempt was botched. I then had a second surgery. While in the hospital I sent over the necessary paperwork on time to Unum. Unum calls back the next day to say they misplaced my paperwork and to send it again. I send it again. Next thing I know I'm fired from my job and the rep I was working with at Unum is ghosting me. My job is telling me they never received the paperwork from Unum and I'm terminated. Never trust these people.

The worst client services I have ever received. The account contact is always irresponsible for things that he promised. He promised that the Unum platform would deliver seamless service, but the result is not. We have to manually enter missing data and fix all the issues on our end. There is no dedicated customer service for our employees; after they sign up for life insurance plans, that's it—no confirmation or information. Whenever you try to ask for better service, they redirect you elsewhere. They just don't care. I am so disappointed and cannot believe we have such a bad company and vendor. How can people be so cold-blooded?

They will get every bit of information just to give you the runaround…. I’m so happy I did my research first and found all of these helpful reviews and info off YouTube…. I don’t understand how this place is still in business… but it’s ok. Never again.

The 1 star percentage makes total sense. Unum is by far the worst company experience I have ever had to deal with in my life. Please find out if your company or a company that you may start working for is associated with Unum. If they are, RUN!!!! These people deny others who are extremely sick or injured and in need of approval for their disability claims, but all Unum does is cause more problems for the person in need. They will lie to you about not receiving Medical Certification Forms, and their decisions on denial go completely against medical science. Everything you need to know about this company can be found online if you do the deep digging.

I submitted my request for short term disability and FMLA as Unum is the servicer for my employer. I needed leave for a significant surgery. My physician provided all necessary details for my medical procedure and recovery. The physician required 6 weeks off. Unum approved 3 weeks! Unum expected me to come back to work with all my incisions still healing, taking Tylenol for pain, fatigued, and suffering from memory loss. Not to mention, over-riding my medical doctor. After chatting with some coworkers, I found out they did this to several other people who had medical related disabilities. Unum is working harder at not paying their insurance benefit than taking care of people who depend on them during an already difficult time. This company is clearly utilizing unsavory practices.

RUN!! The worst experience in my life when dealing with insurance providers' coverage! Eight months of paperwork, emails and lies! I wish I was able to leave a zero rating!! Every document I submitted was never enough. Don't waste your time or payment made to this company please!

I have only had this company for a few years. The bank I was working at had Unum as their disability provider. I was in a horrific motorcycle accident where I was in a coma for 2 weeks, in the hospital for 2 months and am still trying to get better. I will never be the same. Unum paid the benefit while I had to learn how to walk again. In the meantime my bank got Guardian and dropped Unum. (Now I know why) Guardian did all the paperwork for me to get on social security disability. Wonderful company who cares about their clients. I got on disability and Unum immediately sent out a letter that they wanted to be paid back. I paid them back the money I was paid by ss. So now they pay me less than $600 a month and have ruthlessly been trying to collect information from my doctors looking for one little reason not to pay me. They have done this to me several times.

This is the most worthless insurance one could have! They send me numerous emails wanting me to provide them with information from physical therapy and from my orthopedic surgeon. My weekly benefit is $39.00 and I’ve had it with their bothersome emails. Maria told me that they get the updates and I don’t need to. I told her to stop sending me their stupid emails because we are duplicating requests. PTs and Physicians have patients to take of and don’t have time to respond to multiple requests for the same information.

Horrible. My company uses them for my maternity leave and all was okay until 7wks in. My paycheck suddenly didn't deposit in my account the day it should have which resulted in bills pulling and funds not available so it cost me $105 in overdraft fees. The money got deposited a few days later. I am still out the overdraft fees which is infuriating but I'm trying to enjoy time with my baby so I let it go. Well then they are handling my hospital pay claim for me being admitted. I signed up for direct deposit the moment the claim was approved but they told me too late we already wrote you a check. I waited 6 days for it to arrive in the mail. I deposited it in my account and my bank now says the funds are not available so they pulled it back out of my account. Part of the money has already been spent so MORE overdraft fees will hit my account.

I cannot believe that my company hired this organization to manage its leaves, disability... Their app that they tell you to download doesn't work on certain types of claims, they can't seem to update a mailing address and repeatedly send mail to the wrong place, they expect you to sit and scroll through their documents section to see if there is something they need. Just what a sick person wants to do. Same old requests that have been filled remain on the screen as needed. Alerts for some things and not others. You learn that they need something when your company sends you threatening emails. My experience has been a negative 10 on a 1-10 scale. Insult to injury.

As I sit here reading the complaints on this company as recently as today and spans years back I am wondering how they are able to continue conducting business this way. I filed for STD a month and a half ago when I was out sick from work and still have not gotten paid and have since then returned to work. I am so infuriated that my employer even uses this company. When you call in you get an outsourced call center who tell you anything to get you off the phone. They put you on hold while they pretend they are looking at your claim. You can never speak to a supervisor. They keep telling you additional info is needed when you call in.

The leave process was very stressful. I could not focus on my mental health during my leave because I spent my leave mostly on the run around Unum gave me when it came down to me having to do all the legwork to submit the forms to my doctor. Unum told me they faxed documents to my doctor and that was a lie. I had to print out the documents Unum needed to hand to my doctor and I had to upload those documents the doctor filled out back on the Unum web portal.

When you are going through a major illness the last thing you need is the hassle with the condescending leave administrator assigned to your case. The website is not clear and while going through major medical treatment the patient is somehow expected to know and understand the various terms used to make sure your leave is approved properly. I was reduced to yelling and tears by the case worker who I've had the unfortunate opportunity to have to try to understand while she talks in circles, talked over me and I still have no idea what I need to do. Unbelievable. Who knew the worst part of getting cancer so far would be working with Unum.

From a website that does not let you log in, to unclear instructions on process to submit necessary documentation, to the automated 'round and round we go' on the phone system before speaking with a real person, to inaccurate claim documents which are impossible to get corrected... this experience with dealing with Unum has made an already burdensome and stressful life chapter so much worse. I can't believe this is considered a "benefit" by my employer.

UNUM will lie or anything they can to stall or stop your FMLA. I have been out of work for 2 months. Have not been paid. This the worst company ever. They have all kinds of lies. They need to be investigated.

Unum hasn’t paid me for my surgery disability when I started the process two months ahead of my surgery. They make it way too difficult, they don’t communicate effectively, deny or delay my claim. They even said that the delay was because of a pending workman’s comp review. I wasn’t injured at work. My condition was a result of walking and standing on concrete floor. Really messed up my back too, for which I am also being treated. This is a stall tactic on their part. They have caused me such distreSS AND sleepless nights. They paid for my first foot surgery last fall. I don’t see why they would give me trouble on the other foot when I have all the doctor’s medical certifications, which they have asked for every single week since surgery. I still have PT ahead of me. This has been the worst experience with Unum. They are impossible to deal with and don’t care about anything but their quotas. What a crock!

I am employed by Kerry. They hired Unum to handle leave of absence. Short term disability. I have been out of work for 2 months due to surgery on my knee. I haven’t received any pay. I feel like I get the runaround from them. When I inquired about my pay. I was told Kerry was responsible for paying me. When I talk to my HR, I’m told Unum is responsible for my pay. I have bills that I can’t pay. Because I have not received any payment. I am so aggravated with Unum and Kerry. I have worked for Kerry for 17 years and they don’t take care of their employees.

This company is horrible. They required for me to get weekly medical records from my doctor just to get paid. On top of that, they give you only 7 days to get those records. First they approved you for a month then after that it's weekly? This is horrible. I'm stressed and depressed and now I have to deal with them every week! I don't see my doctor every week so I'm not sure why they even require this. The claim specialist never answers her phone. Unfortunately, my employer (CVS) is also no help. Do better CVS and go with another company.

In the middle of an accommodations request, but couldn't wait until its complete to warn others. It's actually tragic the way this company treats its clients, especially considering that a lot of those clients have a disability. It's like they want to make your life more difficult instead of helping and being supportive. They left me a voicemail so dense it sounds like the guy read out all 7 Harry Potter books in one minute. They keep asking for duplicate information that was already provided to them multiple times. Even the "Provide Feedback" button on their website doesn't work. PopCopy IRL.

This company took months to review my documentation only to reject with false details about what my occupation consists of. They will leave you financially devastated. They should be investigated again!!

Please don't ever use this company for your employee's STD or LTD benefits. The response and turnaround time to process claims will leave you financially devastated, they deny almost 90% of claims, and the customer service is below par. You will have to get an attorney involved to appeal and it will take months and months before they make a final determination. This company is terrible.

The worst disability company I have ever dealt with. I highly recommend Aflac just from past experiences. Unum I get they need to make sure all medical information is correct but the system they have is complicated. I had sent my doctor's notes and information a month before my surgery, Unum told me after I had my surgery my doctor would need to resubmit the forms which made me have to wait again for my claims to be approved. Updated my direct deposit information, they don't inform you when it's complete, no email notification, no app notification. Just nothing! I did another deposit information form not remembering which bank I used and I called a few days later to see if either one was accepted and the lady told me my previous one been accepted but since I did a new one it was pending so they kicked out the first one, so my paper check was sent.

My wife took a disability policy out thru her employer from Unum 12 years ago. Premiums always deducted from her paycheck - so there was never a missed payment. Last year, my wife became incapacitated from several unexpected surgeries. Well, this is when the games begin… We submitted every single document required, confirmed it with the representative from Unum and then waited. Weeks. Weeks turned into months - then - we receive a check. $7.00. Yes, SEVEN DOLLARS a week. What they do is essentially lie about the policy when you take it out, saying “they’ll pay you up to $1,000.00 a week while you’re incapacitated.” Lie.

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.

I applied for my leave absence back in February due to accident with my dog. Each time I visited the doctor he would put me on three weeks extension. I would submit my forms via computer each time. Finally, Unum stated payment will be on this a certain date. Well, today I check my status and now it is pending again due to doctor stating extend another three weeks. I call a representative and she stated they will not start a payment until my next visit. Plus, I have to be disable for sixty days before my benefit even start. Well, I am out of all my sick and ETO time. Representative stated there no back pay. I have medical and personal bills I have to pay. How I am to pay my co-payment for doctor visit to even hope I be release. This not fair at all I was on the phone crying. I did not ask for this injury. I am sixty years old and have never broken a bone in my until now. Do not waste your earnings paying this company for your hardship.

I developed covid pneumonia, diagnosed with covid 1/4/22, ER 1/6/22, and "officially" admitted shortly after midnight 1/7/2022. I was critical ill in the hospital for 10 days. I have been dealing with the nightmare of recovering from it since then. I am still home and just got off oxygen last week (yay.). I tried to claim on my Unums short-term disability plan a few days ago. I turned in everything they requested and got a response from them today.

This company is a complete joke and loaded with clowns! They are all trained to deny everything and make you jump through hoops to get anything from them. I wouldn’t suggest giving this company any money for anything at any time! You will not get paid for anything. They will run you around enough so that you just give up. It’s a sad, sad world having to deal with creeps like this. They have paid millions and millions of dollars in fines for falsely denying claims (I wonder who got that money?!). I will continue my mission of getting them to pay more fines until whoever is running the company realizes how stupid they are ruining their reputation instead of building a great company. They say it starts at the top.. Clowns at the top, clowns at the bottom..

I paid premiums for years, and when I truly needed to claim disability, they found every reason not to grant it. In my opinion, it would have taken a lawsuit to get a reversal and I simply was not willing to put myself through that stress. So, I canceled the policy. I had paid my premium on June 1st, and canceled the policy on June 8th. To add injury to insult, they have yet to refund me the pro-rated amount for the month of June (they owe me for 22 days that were paid for, before my cancelation), and we're now in the month of November. I went on to file a complaint with the Tennessee Insurance Commission. I regret throwing away my hard earned money on years of premiums. What a waste. BUYER BEWARE.

In 1999 I purchased a long term care insurance policy that would now pay benefits of $10,000 per month for my lifetime. I am looking into entering a continuum of care facility and wanted UNUM to send them a copy of my policy. UNUM keeps sending them (and me) a different policy. Despite protestations, they ignore me and send it again. Their substitution contains language about "critical illness/critically ill" as a determiner of benefits while my policy only requires that I be disabled in 2 or more ADL. I think I am being victimized by a ruse to decrease my benefits through an attempt to substitute a different, more restrictive policy.

Filed a STD claim 36 days ago. Supplied all requested info and docs. Physicians did the same. Redundant information was requested and supplied. There was sporadic contact with the agent handling the claim. Via telephone. No email available. Now I'm leaving voice mails with no response. A true example of the insurance industry. Collect premiums, withhold benefits. 3rd experience with an STD carrier over 20yrs. By FAR the worst. Good luck.

Awful experience! They take forever to get a claim to get approved and require sooo much medical information to the point where it feels like an invasion of personal health information. Once a claim is approved it is only good for 1 week and then you have to do the process all over again, making it difficult while seeking therapy. Please find a different short term disability insurance company.

They are making it impossible to get your claim going by asking for soooo much information, and now they are asking your physician for a detailed letter why you should be off work for a week. Like they don't know what they're talking about. I have an enlarged aorta and a fib. I've been to So many doctors, who the hell should I ask to sit down for 15-20 min. and write a ** letter.

Quit my job, wanted to keep my same life insurance. Submitted all the paperwork, sent it in, they said I didn't submit a blank check, which we did, did it again. Months later we noticed that they didn't take from our bank account so the phone calls started. Hung up on, all members of the office are in a meeting all day, etc. Over a week later I get someone to help. Nobody can find my policy based on name, SS#, DOB, or company. I dug through paperwork, got the policy number, call back, nobody can find it based on that. They go to transfer you, hang up. Call back, get the number they trying to transfer to in case, they try to transfer, hung up. Call that new number, on hold for over 30m, even try on my wife's phone number, seemingly get better results, hung up on again!

My experience with Unum Dental has been horrible. I have periodontal disease and switched to a new dentist. The dentist was very reasonable and performed perio-maintenance. I have great teeth but lousy gums. The dentist Tom ** did a great job, and the insurance company has made his office submit and resubmit multiple times. I am a teacher in Texas, and Advanced Financial Group in Lufkin, TX picked this insurance company. I might be getting dental through a private company if I can when the benefits become available again. I tried to get their fax number for the requested documentation, and they refused. I believe that the ones who said that this company will do anything to avoid payment are accurate.

I purchased LTC insurance through my employer with Unum in 2012 for both myself and my husband. We purchased a specific dollar amount and time frame recommended by my financial adviser for an average of what most people would need. I just recently filed a claim for my husband whom at age 69 has early onset Alzheimer's and needs 7/10 help with his daily needs and is now in memory care. My experience with Unum has been excellent. They have been kind, extremely responsive and quick to approve our claim. Our monthly payments are being received on time as expected. Each time I have called customer service my concerns were handled professionally and quickly. This has been so comforting at this critical time of need for us!

My mom purchased a long term care policy thru her employer 20 years ago. I have the original policy as well as all her payments and correspondence. In September of 2020 she was placed into a Memory Care facility due to dementia. I started the claim process in September and it is February 13, 2021 and Unum has still not honored the contract. I submitted all paperwork plus my DPA. They lost my DPA twice, needed Dr’s orders plus clinical notes twice. Set up Direct Deposit - still not getting correct payments. Her policy is to pay $1000 for 24 months. First payment in January was $560. When asked why, the Benefit Specialist said they didn’t know what licensing her Memory Care had so they were paying a lower rate. After 4 months they didn’t think about that?

It literally only pays for the cleaning/check up. It's not worth it. That is fairly inexpensive, anyway, and not worth having insurance for. I had a cracked molar and required a crown. It was the first time I've needed anything more than a filling.

After years of paying my premium bi-weekly... for over ten years. Then receiving long term benefits after a series of spine surgeries and was determined to be disabled by the surgeons. This company has now decided to ask me for the benefit money back after I began receiving SSDI. They calculated what SS would pay me then adjusted my benefit to under livable wages a month. My calculations have shown that I paid them over a ten year span tens of thousands in premiums and now they are asking that I pay them 10% or four years of what they paid since going out on long term. I have paid them more than twice over in premiums during my employment before retiring with this disability. It’s not fair and I am gonna fight them.

I had a total hysterectomy 8 weeks ago & was approved for 3 weeks STD. I called UNUM to ask about claim extension process and what needed to be done. First it was a questionnaire that needed to be filled out by the doctor’s office. Then it was medical records and now it’s a narrative from the doctor. It’s now 8 weeks post op and still have not been made any progress on my claim.

I had an accident that has cost me 1000s. Unum promised reimbursement. They sent me $75 and closed my case. They NEVER responded to my message. The CEO makes over $2 million a year. Not happy with this company.

I was stuck in limbo because no one reached out to me about needing information. My online account also didn't state that I needed any more paperwork. I was lucky to finally get a hold of someone. You have to keep calling to get answers.

2 STD claims for my back surgeries. After dealing with countless record requests, requests going to the wrong doctor MANY times, VERY late payments such as 8-12 weeks late, sending literally HUNDREDS of pages of records just for them to “need more information”, flooding my doctors office with the physicians statement form DOZENS of times for the same surgery saying they needed more information. Unum is directly responsible for destroying me financially, EVERY payment I received was so late that it set me behind on my bills so bad I’m still trying to get caught back up, months later. Their delays have destroyed my credit scores, my car got repossessed twice because of Unum's late checks. Luckily my bank understood the situation after I told them about my surgeries and dealing with Unum.

I am a person who has had two STD claims this year. For the first my employer used Cigna and the experience was great. Good service. Accurate accounting and prompt payments. Then my employer switched to UNUM and the experience is 100% the opposite on all counts . My claim rep is one step above moron. Payments are very slow. It is now 12/24 and my last payment was for pay period ending 12/2 even though my claim status is approved thru 12/15. Of the four payments I have received two have been incorrect and needed supplemental payments. Each time requiring me to spend time explaining the error to the claims rep. In frustration I asked to speak to a supervisor and was told I could not.

Customer service is very terrible. Representative doesn’t call back to inform you what’s going on with your claim. Doesn’t care about your needs or concerns. Very poor communication. Been going through with this since 7/29/2020.

I started paying for long term care insurance in 2007 thru my employer. Back then I think it was about $100 per month which covered me and my wife. Well about 6 years ago we got a price increase which amounted to doubling the monthly premium to $200 per month. When questioned they said this was a new insurance market for them and they were starting to realize higher costs now that some folks were using the benefits they paid for much like the current letter with excuses why the increase. Don’t they have actuarial people that know what they are doing? Of course cost will go up as the boomers start needing long term care.

Unum Disability Insurance review. I was approved for LTD. After 5 months Unum reduced my monthly payment by what they estimate social security disability payments could be. This after daily harassment to get me to apply for SS. This policy as well as everybody else's is not worth the paper it is written on. Go elsewhere.

My experience with UNUM started when I arranged Critical Illness through my company. 2 months ago I suffered 2 strokes, so when discharged from hospital, contacted my company to make a critical illness claim. The company was UNUM and the doc sent from work confirmed that I was covered for a stroke. I made the claim online. All seemed to be going well. I have now been informed that UNUM have refused my claim because I am a type 1 Diabetic.

We submitted a claim to them in June and STILL do not have reimbursement. They are giving us such a run around, they are creating so much hassle for our orthodontist's office. They have said they approved the claim, yet we still don't have a check and we still can't get any answers. It takes sometimes weeks to get a response from them. This is so unprofessional!

This company has done whatever it takes to deny my claim just to save money. I know we all want to make money but when you do it at the expense of people and their families that makes you very bad people and it’s worse when we have this sickness going on.

We purchased a Long Term Care policy about 18 years ago, and since then Unum has stopped offering these policies. However, they have increased the premiums consistently over the years - about 15% each time. It was last increased 2 years ago, and yesterday we received another notification of a 15% increase. It seems they are trying to get elderly people who've paid thousands of dollars in premiums already, to drop the policies by these ongoing price increases. If First Unum did not plan sufficient reserves to cover the policy costs they should never have gotten into the business. What are actuaries for if not to plan for worst case scenarios and potential cost increases.

My husband was involved in motorcycle accident that had STD through UNUM through a company he has been working for, for 28years. He has never used this benefit unit his accident. He was out of work for 3.5 months and had to use his benefits. UNUM is now REQUIRING us to pay them back 11K from a settlement that we have not received, claiming that we were OVERPAID and we have one month to pay it back! How can we be overpaid when THEY have to approve the claims?!

I’ve been paying in to my disability for seven years with the confidence it would be there if I needed it. But Unum practically asks for everything while in recovery. I was in a coma and in a hospital 3 hours from home and the agent was snippy about not filing when I was hospitalized—- I didn’t even know what month it was. I forgot an entire week of my life and went into multi organ failure. They want statements from every single doctor and want to know every test done. The test results alone are 500 pages. I know they aren’t being reviewed by a physician. I got out of the hospital a month ago and they act like I should have returned to work the day after I woke up from a coma when I was still intubated and couldn’t remember my mom’s phone number. Even my supervisors at work don’t expect me back right now.

I have to quarantine for 3 weeks, due to Covid-19. I applied for Short-term disability and was told I don't qualify because I am not disabled. I have a letter from the clinic, I was tested at and a letter from the Health department stating I cannot work. This company is a joke.

I was in a car accident in March 13th, a big truck trailer cross the traffic, the driver didn’t see me. I am alive just because God is good and save me. So Unum insurance don’t care about people, they care how don’t pay you and send you quickly to work, I have problems with my low back, upper back, left eye and left leg after car accident, since the first day that they call me their questions it was, when you will start to work.

Got short term disability through my employer to have a CS. When I called Unum to find out what I was covered for. They explained I would be covered for 6 weeks with a vaginal delivery and 8 weeks with a CS. They also said there was no elimination period. I was doubtful about the elimination period so I called back a couple weeks later. They confirmed I would have a 2 week elim period but everything else was the same. I had my CS and received my payments after my elim period and thought everything was good. My payments stopped after 4 weeks. I called and the lady said that my policy didn't cover a CS. It just said any labor would cover 6 weeks. I then said, "OK but I've only received 4 payments". She said, "The elimination period counts as 2 payments and those are not paid out." WTF.

Me being on short term disability And this company being in charge of it. Does not do any type of follow up with the doctor when they send paperwork. Nor do they let the client know any information at all. It is asinine and ridiculous.

I filed a short-term disability claim. I have been off work for over a month. The woman who is my case worker or whatever you call her is rude and hateful. They have everything they need. Their allowed amount of days are over and still I haven't heard anything from them! When I call I'm told we have 5 to 7 days. Okay, it's been past that. I'm a single mother and I have bills to pay and food to buy. They never call back or answer emails. They always have some form of excuse as to why they haven't done their job. They haven't even updated my information showing they have my doctor's paperwork, which they have already stated they had. My doctor's office stated they sent it over two weeks ago as well. It is one huge game to these people. We pay in, yet, they do not want to pay us when we become ill or injured.

Dealing with this company has been an absolute nightmare. I first filed our claim 7 months ago. They kept stalling by asking for more and more and more paperwork. Constant delays. It's now 7 months later and we have not seen one penny yet. The most recent game they played was mailing the first disability check by snail mail instead of direct depositing it like they were supposed to. And to add insult to injury, they debited our checking account for a premium this month that was not supposed to be taken! Ugh! Don't do business with them, unless you have a huge tolerance for BS!

This is the worst company that can possibly exist. When I filed a claim I was jerked around for over 3 months. After the one hour initial phone interview I realized these people were not going to may my claim. They researched and researched for months sending thousands of forms to fill out. Numerous phone calls to the incompetent claim adjuster only to hear her stupid voice monotonously answer "Still waiting for documents". After 3 months to the day they found some some excuse to deny claim. Now it’s up to me to take it to arbitration, but the arbitration is their own company. I think a regulatory agency should investigate this company. It’s shameful that one's legal benefits are denied.

When you see the Unum name run baby run. Worst company ever to deal with. My employer uses them to manage FMLA. Unum tries discourage you from using fmla by having doctors fill out the same form several times. I’m a union rep. Unum denied an employee's fmla because she couldn’t tell them how many days she would miss after chemo!!! We fought. Our employer had it reversed and approved. That’s just one example. If your employer uses them you don’t have a choice. But please don’t purchase on your own. I promise you’ll be sorry!!!!

My brother opened an insurance policy for his daughter when she was born. He was killed in a car wreck when she was 2 and I was listed on the policy as c/o on account. All thru the duration they would send statements and change of address forms for me to keep her address current in the file. When she turned 18 they had 5 different excuses as to why her money was not available. They are claiming the account is abandoned yet I have a letter confirming removal of block on account. These people are sleazy.

This company is horrible, from short term to long term claims, it has been a nightmare. I have just been informed that my long term claim is now closed. After a review of my claim, it has been determined that I could do something, anything for work. I paid on this policy through my employer. And now, I've been told by the Vice President, that they have been supporting me for the last two years. No, I paid in, I have supported myself. Please if you see Unum anywhere on your employer's benefits, research before making any decisions. I did call my former employer to give feedback too as well.

Get a lawyer when dealing with this insurance company. They drag their feet, find anything to not pay claims, requires paperwork after paperwork each and every month, week and day. # 1 company in claims denial as per web research, don't recommend this company to be in our best interest.

Costco sent me out on short term disability, which turned into long-term disability. I continued to pay the portion for my health insurance, and then Costco canceled it telling me I could get COBRA. Yes, we all know how cheap that insurance is! It would have taken half my disability payment to cover the insurance! Because I no longer have insurance, I could no longer afford to go see the doctor or get physical therapy! So because I was no longer seeing a physician, UNUM canceled my disability payments! It took having to sue them, but because of the clause that they have in the Costco policy… They can screw people left and right with no repercussions!

It's unfortunate to leave a negative review but medical records are not reviewed by medical staff. I have a pretty serious medical diagnosis involving my spine, I can not work. With zero support, zero insurance and no access to medical treatment I feel I've been left to die. Appeal after appeal, you wasted two years of my life.

Start off by saying they only get a 1 star because no stars wasn't an option. Now to start off I've worked for my company for 4yrs. All the while I have always had long term benefits and thought I had short term as well however I guess my company never offered it. Fast forward to Nov 2018 I went to a doctor for upper back pain. UPPER BACK. Seen him in Dec of same year too for another check up for same issue. Meanwhile my doc sent me to get full scans of my entire back. Jan of 2019 my work offers Short Term which I elect to get. Go see doc again about the scans who then tells me I do have upper back issues and, "Oh by the way your lower back looks to have problems as well." I continued to tell the docs it's mainly my upper back and only seldom my lower. Now the docs decide my back needs operated on before my upper back issues can be taken care of.

It has been 5 1/2 weeks for a simple short term disability claim and I still don't have a resolution. In fact, a supervisor just lied to me claiming they haven't received the necessary medical records from the hospital to complete the claim. I then provided her with tracking information to show it was received. I also informed her that someone from her office called the hospital yesterday to get the password necessary to open the records provided on a CD. Furthermore, she couldn't even provide me with a proper timeline for resolution. What a completely WORTHLESS company. Nothing gets done unless you force them to do their job by babysitting them.

I have had a Unum Critical Care Policy for over 10 years. I obtained the policy because of my spouse’s family history Of multiple cancers. My husband developed non alcoholic SteatoHepatitis that has turned into cirrhosis. He is now in MAJOR ORGAN FAILURE OF THE LIVER which is one of the organs covered on the policy. His condition has rapidly declined and they are refusing payment because he is too sick for transplant.

Give me Denplan any day, they have a courteous, efficient, service team. I have purchased Unum through work, so, unfortunately, Denplan was not on offer, as my company uses Unum. Unum has got to be the slowest dental claim service EVER! I wish that they were more friendly and not so dismissive.

UNUM and it manipulated relationship with doctors. Doctors don't have is (Extra Time) to deal with UNUM. At a work event Smashed my shoulder, tore my Ligaments clear of my AC joint, completely floating, collarbone, broke loose at joint and pushing skin up an inch above my shoulder. ER offered no surgery/ repair option. Four surgeons offered no solution or option, including Mayo clinic in Rochester, Mn. My GP kept sending me to therapy and pain clinics.

This is going to be short and sweet, I have been wait for benefits since 03/11/2019 and have received $0 to date. I had major left hip surgery and I’m going in for my right hip. It’s now November of 2019. I think I’ll be dead by the time I see any compensation. I think you need three signed affidavits by the Father, Son and Holy Ghost before they will pay up. How much more disabled do you need to be when you had a your hip reconstructed? Maybe if I detach my leg and bring it to the claims adjuster they will cut me a check cut me a check. Jesus Christ!

While Driving a City Bus in Vancouver Washington State USA - in 2019- I developed an Occupational Disease - from Diesel Exhaust Fumes and Carbon Monoxide Poisoning at Work - due to Defective Cummins 6.7 liter Engines, and the Lack of Maintenance -procedures at C-Tran; Because the Head Bolts would loosen up due to extreme heat, then the cylinder heads would warp, while spewing toxic gas mixed with ammonia head cleaner solutions, def fluid, then it would travel into the cab of the bus for all to inhale, while there are no carbon monoxide detectors in the bus then and even now after my permanent disability.) UNUM insurance company has made me wait over 75 Days for a yes or no decision, and I have already been off work almost eight months.)

Hi, I've access to Unum through my company and have to chase multiple times to get a reimbursement. For the last one I did not any reimbursement even after chasing multiple times. Would recommend to avoid at all costs.

Their web site is always down and I can never actually get anyone on the phone in a reasonable time.. I've been trying to apply for FMLA leave but can't even get it started. For being a Fortune 500 company they really need to fix their web site. It is down every single time, every single day I try to log it.. What a worthless company.

I was diagnosed with Stage 3C ovarian cancer last year. After completing chemotherapy I am having some serious long term side effects. Statistics say there is an 85% chance the cancer will return. I have a pending follow up CT to evaluate an enlarged lymph node. I paid on this long term disability for 20 years. After 3 or 4 payments they have been trying to close my case.

If you have long term disability for a condition that they approved you on watch out. They will disapprove it fast. They get bonuses for dumping claims and lie on their charts making up fabricated lies as they go. I just attorney Up and am going to take them to federal court. Lawyer says open and shut case and they do this behavior to everyone. It’s their practice.

I have been out of work since 9/10/2019 due to chronic fibromyalgia, migraines, anxiety, disk degenerative disease, loose stools, spinal stenosis, spondylosis, scoliosis and a large mass that was found in chest. I am in constant pain and I work for Providence Northeast Columbia SC. So Unum has constantly strung me on, every time my physicians fill out or submit supporting detailed and accurate paperwork they would ask for something else to be done. They even had me to complete a questionnaire form as well as my physicians to verify that I had not been seen 4/2019-6/2019 however they tried to find out anything on me to prevent them from having to pay me while I am out of work. However I was told by Sabrina at Unum that if this was a previous diagnosis that they would only pay me for 4 weeks instead of for the entire time I would be out from work.

I have had a claim open since February for income protection which they continually refuse to payout against. I suffer from crippling anxiety and depression which they refuse to acknowledge despite tons of medical evidence. This company create more stress and upset. Horrible to deal with. Lousy company with no ethics whatsoever.

I get 1 tooth implant and I'm told since they review my entire dental history I'm not covered for anything. I'm 65 yrs old, she asked me if I have any crowns? How many teeth are missing, how many cavities I've had my entire life. What do crowns, cavities or missing teeth have to do with an implant? Beyond believable, hands down worst coverage I've ever had. Not to mention it took 5 months to deny my claim, said they were busy, well who isn't busy. Truth was they are too busy denying claims and giving dental professionals the run around asking question that they already have documentation on. STAY AWAY.

They did have me examine. Did look at any test or blood work and created a narrative that they say trumps all actual medical evidence! They bully. Don't call back and change agents without notification and then are then off on vacation and cannot be reached! No ethics at this place!

I will write this about me but I am only one person in thousands or maybe millions. Millions is more likely since this includes people from all over the world. I have always been a hard working person and picking a career as an auto technician and working hard to advance thru the years to the highest level as a Toyota Technician should prove this fact. I want you all to know this because I am a taxpayer, voter, father, husband, brother, and law abiding citizen. Here is my story. Seven years ago while I was at work, I fell down. I started dropping things from my hands. I noticed that I was gradually losing strength. I wasn't myself anymore, and slowly losing the ability to do my job. I was paid on a commission type basis. So if I couldn't work as hard and fast as usual then my pay amount dropped. I fault for a few more years as I struggled to continue.

I had a heart attack in September 2018 and was released and readmitted a few days later into intensive care for what my Doctor said that she believed was a stroke that took my hearing and I was in ICU for 2 weeks and when they took me out of the ICU I could not hear anything and to this day I am Deaf so we filed the claims with Unum for Heart Attack and a stroke which both was declined so I appealed it and started dealing with Teresa ** Lead Appeals Specialist and she had me going back and forth to the Dr.Office and faxing paperwork to her and my Primary care Dr. filled out all the paperwork and wrote a letter saying that she believed I had suffered a stroke that left me Deaf and they declined that one again and the Heart Attack so she told me when I get the denial letter to take it to the Cardiologist and they would give me the documents needed to support the heart attack so I did and faxed them over to her and 3 days later I called her to follow up and she informed me we still didn't have the supportive documents that was needed so I went back to my Cardiologist and told them she says we didn't have enough supportive documents to prove a heart attack.

I am currently approved with Unum long-term disability. However, it was not easy. I currently have multiple sclerosis and while many people are able to work for many years after diagnosis, I ended up with multiple problems and diagnoses concurrently. I had a fall that resulted in a spinal cord injury and neck surgery that was critical. A few months later I ended up in the hospital with autoimmune pancreatitis and Crohn’s disease. I have now had many rheumatology positive testing which could possibly be lupus or something else but either way is definitely rheumatology. Unfortunately, all this runs in the family and I just happened to get all of it not just one or the other. Because I am 38 years old and I look very well and healthy they constantly bother me.

I was involved in a automobile accident in 2015 which resulted in me having a broke neck. Filed my claim through my employer short term disability company which happened to be Unum. After weeks of going back and forth sending them Every form they needed or I thought so they always needed something else. What a miserable process. I finally got to the point of total frustration and told them just to forget it. I was tired of constantly faxing everything they already had twice. I told them by the time they approved the claim my neck would be Healed and they would not have to pay a thing. Which I think was their goal anyway but after a long, long, long wait I got a check. This lasted to the end of January 2016. I went back to work in February.

My mother has a long term care policy through Unum and has terminal brain cancer. We thought it might be time to use the policy that my mother has been paying on for 13 years. We have filed the claim 60 days ago and have still not received approval on the claim. They have received doctors' notes and then told we need to get them some more doctor notes. I have contacted doctors to get the information Unum says they need. I'm not sure what part of incurable brain cancer might need more explanation. Very frustrated with this company and would not recommend them to anyone.

Injured at work in December. Go to the doctor the next day then several follow up visits. Determined it was a torn rotator cuff and sent to a specialist. Turn in the paperwork for Unum to say they only pay for 2 follow up visits even though it was 2 totally different doctors. Orthopedic doctor does injections. When they don’t deliver results he sent me to physical therapy. So I call and ask if they are going to pay off anything else. Was told to send in the paperwork which I did. Then it gets reject due to the physical therapy did not start within 90 days of the injury.

Had foot surgery on April 29th. Doctor sent over appropriate UNUM paperwork stating that I would have to be off my foot for 10-12 weeks. Which getting to this point was a challenge in its own right. It has been a total struggle to say the least. They only approved me for the first 4 weeks and from that point the struggle gets worse. Had to jump through hoops every week to get approved week by week. And the 3rd to last week I only received a small portion of my funds. Which happened again on the 2nd to last payment. Which the remaining funds at this time are up in the air. At the end of the day this company will definitely make you work endlessly to get the funds you’ve been paying for out of your check every week. Customer service is lacking and the UNUM portal lacks up to date info. I’m hoping my employer will be looking for another secondary insurance company after this is all said and done....

I've had Unum for years through my job. They approved me for STD for my neck and back problems. I need surgery in my neck and back. I'm in severe pain everyday. I've been diagnosed as permanent stationary with my injuries. I've been instructed to not lift anything! After my STD ended, I attempted 2x to apply for LTD. My Doctor's support my 110%. But Unum has denied me twice stating I have nothing wrong with me and I can go lift 50lbs and go back to work. MRI's don't lie! But Unum does. My orthopedist is disgusted that Unum claims nothing is wrong with me. Unum has changed my diagnosis. Unum has never met me or have done their own exam on me. I have severe spinal stenosis, Degenerative disc disease from neck to lower back, herniated disc with 2 MRI's showing it has gotten bigger, nerve displacement.

I just experience possible the best customer service! I recently had a surgery and due to that, I am now dealing with my short term disability. I called the Contact Department at Unum multiple times. Since I was not getting the right answers/information to my question, I requested to speak with a manager. I was transferred to Mr. Eric **. The first impression was - his tone of voice. He was pleasant and answer all my questions and resolve the issues that I had in regards to my claims account. Mr. ** was very knowledgeable, professional and friendly. I am so impressed with his customer service! (This review could it been a bad review, but because of Mr. Eric, it turn out to be a good experience). ”Thank you Mr. Eric.”

I have had a claim open with UNUM for 3 months, this is how long it has taken for them now to say my claim has been declined. I have never in my life experienced a company like this. I have the income protection policy via my employer, am off work sick with mental health issues due to a family member being brutally murdered. I am also suffering with a prolapse disc, cervical neck where some days I can’t even move out the bed due to the disc pressing on a nerve which leaves me in agony, so how I sit in a office all day without pain is beyond me. On all kinds of medication which makes me drowsy as hell, I don’t know what illness UNUM expect you to have until there medical team decide to pay out.

I was on a medical leave with The Hartford when my work transferred me over to UNUM. They’ve been the least bit helpful. They declined leaves without clear reasoning then opened two separate leave under FMLA without my acknowledgement, this company has added tremendous unnecessary stress while I am going through a hard time. Anytime I’ve called for clarification I've only left more confused. I’ve talked to countless representatives and leave managers who have all danced around questions I’ve asked. There has been time input on my behalf for absences that were invalid. They fail to explain the way they handle time management as well as absences. This company shouldn’t be used as most people needing any kind of medical leave are typically not doing alright and have enough strife. They do not need to have a third party company come in to only complicate it more. Very disappointed with the service I have received.

The company I work for use Unum for Short Term Disability coverage. I was denied because of my bipolar diagnosis. I have never in my 44 year work history missed a day of work because of it. I have no other chronic health issues, don't smoke, don't drink, work out at least 5 times a week and see a doctor regularly. My disease is managed with medication and I have never had issues. The first time I have felt what it is like to be discriminated against. Would not recommend using them. If I could give zero stars I would.

UNUM approved my FMLA and then months later denied it stating the paperwork was never received. This was incorrect, The MD office and I both faxed paperwork to them. I received fax confirmation they did receive. For them to deny claim months later is very frustrating and shows the level of carelessness and lack of promptness they treat cases. Upon speaking with Rachel (team lead) she advises me they have been "overwhelmed" Upon requesting expedited care of new case with prompt turn around time, I was told that I would need to speak with a supervisor "Lisa" who is too busy to speak with me at the current time (of course). I have called my Human Resource department and explained the lack of satisfaction and level of competency UNUM is currently providing. C

I have had this insurance for years. I’ve even used it before, when I had cataract surgery. Now I injured my ankle, and will be off for 5 weeks. Despite taking my payments for years, they are now saying I do not have coverage. I have documented proof of them taking my funds. I have notes from two doctors. I work full time and meet all requirements for a claim to be paid. None of that seems to matter. I spoke with two employees and both said I wasn’t covered due to not working at my place of employment?! I work 50+ hours a week when I’m well. I have been paying my premium monthly, direct from my paycheck. This is not acceptable. I have filed complaints with the Florida Attorney General, and they told me this is not all that rare from them over the last couple years. Be weary of any business with this company.

They refused to pay any maternity leave short term disability claim while I pay all my short term disability insurance on time. This is a horrible company that needs to be avoided at all cost. The policy is vague and ambiguous at the best to refuse your benefits.

I called for support after seeing a tragic event at work. When I explained what happened/the reason I was requesting help the lady screamed in the phone and got someone else for me to talk to. Then I was told they would have a referral within 24-48 hours. They never called back. PTSD is a serious thing. Seeing dead people everywhere because you can't get help is worse than pathetic. I've let my boss know. Very disappointed.

Unum insurance agency was very thorough and processed my claim quickly. I submitted all the necessary insurance paperwork and I was paid for Short Term Disability, Hospital Indemnity and Accident Coverage within 2 weeks. Will definitely recommend to others at my job. Thanks to Unum for making this so easy during a difficult time!

Most of my claims get denied! They find any excuse to deny your claim! There’s times that they will take up to a month just to get a response. I had an umbilical hernia repair from an accident, so I’ve been out of work going on a month. I submitted everything the day after surgery and 2 weeks later I get a letter that they need a physician statement. They sent the statement straight from surgeon’s office and a week later I decided to call UNUM to find out that they haven’t received it. I call surgeon’s office and they said that they got a confirmation that they did received it. Well going on 4 weeks and they said that as soon as they get that letter it takes 24 hr to process it, and up to 5 days to review it! It’s just horrible! They take out money from my check every week, and when you need them they take their sweet time!

This is the second time I've had to use this company for short term disability due to pregnancy. They were condescending and rude 3 1/2 years ago and they are exactly the same now. I have to stand 8-9 hours a day to do my job. The first time I had round ligament pain so bad at 30 weeks pregnant that I literally could not stand for 1 week while I healed.

My doctor and I have NEVER seen anything like the debacle that is UNUM (short for YOU NUMBSKULL). THEY sure think their savvy talk is fooling us, but they're not. I've caught them in lies, changing dates around to make the Dr and I look like idiots, they're crude, rude and purposefully confusing. They make any blood boil. In my 62 years, I've never seen such a crock of crap company. They are a huge conglomerate and need to go under... WAY under!

Paid premiums for 7 years and had no claims within this period of time. Then signed off work after falling off ladder... Consultant carried out x-rays, MRI scans and highlighted need for corrective surgery on damaged foot and ankle. Throughout this period barely able to walk. Clyde at UNUM requested various documents which were sent promptly... He took his time to investigate and then decided I was fit for work! I'm still awaiting the surgery!!!

I am at the end of the appeals process, or at least I was hoping I was. Every couple of days it's a request for another document "that would make a big difference in my appeal". My doctor's office hates me, the last thing was a letter from my doctor who I had to beg for 2 weeks to get. Got the letter, good letter, thought I was done. Now need some kind of office notes that appear in my file but I can' access through my patient portal.

After paying into Unum long term disability for 22 years I was in an accident. Six months after making my first claim, they denied me. Apparently a sprained neck and a TBI do not qualify. So...the doctor can't release me back to work, work can't let me come back without doctor approval, yet Unum thinks I am ready to go back. If you are a company searching for this type of insurance for your employees or an individual seeking extra insurance DO NOT EVEN CONSIDER UNUM!! I'm joining the class action suit that has been filed against them for denying claims or discontinuing existing claims. HORRIBLE COMPANY TO DO BUSINESS WITH. RUN...

Long Term Disability - During open enrollment in 2018, on October 30th, I applied for long term disability coverage. The same day I faxed the completed eligibility of insurance forms and received a confirmation that the fax was received. In December I received an email stating that they needed my eligibility of insurance forms, I called and spoke with them and was told that they had the completed form but hadn’t reviewed them yet. In January, I again received an email stating that they needed my eligibility of insurance forms. I phoned them again and was informed that they did have the forms but hadn’t reviewed them yet.

I have been waiting three months for a determination on my long term disability policy. Each time something else is requested or I am shuffled to another specialist. Still recovering from spine surgery. This is adding unnecessary stress to boot.

I got this life ins. from company I worked at 15 years ago for myself and my husband. Premiums went up every five years. I called Unum about the premium going up. I was not told it was only worth half. So my husband died 1-25-19 and I planned his funeral on the 10,000.00 but surprise I get a call on my voicemail in a soft voice that Unum is only paying 5,000.00 so I am so embarrassed. I had no idea so now I owe the funeral home and I have no money for his marker/stone and my policy is also only worth half. This has been so very disturbing. Not only did my husband die after being married 55 years. Grieving in Philadelphia.

My job uses Unum for short term disability! I have a claim on file since October due maternity. Now that I am on leave and have been since January 21 I am still waiting for payment! Talk to the case manager about my money being direct deposited. She keeps saying “that’s the plan” to release my payments this week! No yes or no. They hold on to your money as long as they can then when you get upset they hang up on you! This company is horrible. They hold on to your money and when you ask for it they hang up! I’ve been talking to someone from there almost every day for the last 3 weeks and every time it’s something different.

I've never written a negative review like this before... But this company deserves this, and you deserve to be warned. My mom passed away 5 months ago. I submitted the claim form and additional documentation as directed. After months of calling them and being redirected back to my mom's company's HR department, we just received a check for half of the amount that is listed in the employee handbook. Friend, these other people who have complained on this site are not telling stories. Beware of Unum.

During my medical leave from a spinal fusion, I had to call into them several times in order to get my claim moving. They will only approve you to next Dr. appt. Which then required ME to call them, call Dr. etc. I shouldn't have to be constantly following up in order to get paid while I'm in recover for a very invasive surgery.

There are not enough words to explain my horrible experience with UNUM Insurance Company. They were apathetic, incompetent, disorganized, unprofessional, disrespectful, and intolerable. As a medical professional who suffered a life threatening accident, I was treated with such disdain that I had to fight for services that I was entitled to. As the injured customer I had to facilitate every aspect of my benefits or I wasn’t going to receive proper compensation while I was out of work. I was ridiculed, questioned, at times belittled to prove that I had a serious injury and was unable to walk! Yes you heard right. I was immobile and these SOB’s gave me such a hard time. I hope to never use their services ever again! They are absolutely horrible!

Do not purchase any sort of coverage from this company. I have been fighting with them for almost 90 days now regarding two open claims I have. Each time I call, they request a document that my doctor already sent them. Each time I call, they claim that they reached out to me and did not get a response. I do not get any help from their customer service, they redirect you to their customer portal, which doesn't explain what you need to do. They owe me $8,000 in disability plus another $800 in hospital stay.

I am sorry, however, personal details are omitted for security purposes. Consumer Affairs attorney is accepted. I was seriously ill for one year while employed in PA. UNUM apparently routinely takes back all disability dollars they pay out to company employees who get ill while employed. Oddly enough, they insist on knowing the initial amount that SSD pays the ill employee at the time they are declared disabled. Then they demand the amount from the employee adjusted by a few dollars. All legal, according to them. One needs a strong lawyer to challenge them and question the employee's company as to STD and LTD coverage agreements and understandings. With Unum's collection practice of almost all they have paid out to the employee, it begs the question - do they do this only to companies' employees in which the coverage is solely provided for by the companies?! And then, do companies get a return from them?!

I was involved in an motorcycle accident that left me with an injured ankle, knee, back & neck. As a result, I visited the ER, PT and Chiro over the course of 3 months. After 2 months of submitting forms I am now to receive $100. What a complete waste of time.

I am nine months pregnant. About 6 weeks ago, I began to have issues with my right hand. My job is all typing so this was a problem. The pain was constant. The ER said a sprain, my PCP just said keep it in the brace for 10 days. After 10 days, it was significantly worse. Went to Urgent Care and they diagnosed pregnancy induced carpal tunnel.

My husband had a heart even a couple months ago which resulted in him having a coronary artery bypass graft. I was told each of the 5 times I called to inquires about the paperwork and ask questions that due to him having this surgery he would receive a lump sum of 15k. A few weeks later, we received a check for 5G with a letter stating there had to be the specific diagnosis of a heart attack which was never told to me any of the 5 times I called. We were also told his employer chose that he would receive 100% of his pay for his short term disability when in reality, he isn't getting half of what one of his paychecks were and we have to pay in more than what we are getting for his insurance, etc. I have called numerous times and each time I was given incorrect information to which they refuse to make right with anyone.

I have paid into this long term disability insurance for about 20 years. Now that I need it, I am having to still hassle with getting paid. I have given them everything that they have requested and yet I have not received anything. Another issue is that apparently they do not pay the 60% as first said they would, now they are telling me that they have to take into consideration other payments that I may be receiving (ie: state disability) and they will then decide how much I am entitled to. If I had known this I would have shopped for another insurance coverage that is reliable. AFLAC is a great choice, my peers that I work with have NOT had any problems getting paid from AFLAC. Do NOT subscribe to UNUM.

Their STD calculations are just plain wrong. Their formulation is set to pay the least amount they can get away with. They use your monthly salary times 12 months divided by 52 weeks and then take 70% of that amount (per the contract we are paid 70% of our monthly salary). I am salaried so I get the same amount each month regardless of how many weeks in a month there are. I calculated it at my monthly times the 70% and divided that by 4 weeks. The difference was a few hundred dollars.

My experience with Unum has been mixed. About 20 years ago, I had disability insurance that paid a sum for in hospital days. I was at MD Anderson for 31 days. The company paid my claim with no problem. Fast forward to 3 years ago. I filed disability because of complications from radiation damage for cancer treatment. For the past 2 years, my offset specialist has been bullying me to retire so Unum can reduce their monthly payment. I kept telling him that I was not eligible because of the Rule of 80, age plus years of service have to equal 80. He even went so far as to take money from my account as a way of forcing me to file!

I was rear-ended at red lights 3 times in a one-week period, leaving me with spinal injuries that made me scarcely capable of doing Anything other than lying down for 2 months straight! I qualify for their long-term Disability payments but only requested 3 months worth because I can figure out a way to work now and only need to lie down in the middle of the day for about 30 minutes usually, glory to God! UNUM, however, made up false excuses to deny my claim and appeal. I could have bought my daughter braces with the money I wasted on monthly premiums! UNUM plays an immoral game. Don't sign up!

I got this insurance thru work at WellStar Health System. I'm a very athletic person and play tennis and badminton 3-4 times a week. For the past few months my right knee is bothering me so I decided to see an orthopedic surgeon. He ordered an MRI and found out I have torn lateral meniscus. Last July 7th, I had right meniscectomy at the hospital where I work. After the surgery I filed a claim for accidental insurance but UNUM declined my claim saying that is not caused by an accident. I'm am very sure that I torn my meniscus from playing and not by just sleeping. I submitted all the documents related to my injury like MD chart records, MRI, bills and etc but still it was declined again. Now they told me to file an appeal which is very frustrating. The only thing I can say is that PLEASEEEE don't sign up on this company. I heard Allstate is way better than them.

I purchased the LTC policy when I was 57. I am now 80 so I have paid many, many premiums since its inception. It was the best option, I was told, for a widow. The policy was $1900 per year. Three years ago, the policy increased and I now pay $3400 per year. This coming year it will increase to $4000. I was told that the cost would never increase. However, the cost can increase if the "class of insurance was allowed to increase by the state." I bought the policy in New York State. My experience is the same as Doris of Easthampton, MD. and, yes, that state had allowed the "class" to increase. That clause is in the written policy but was never mentioned by the representative. I now have my Series 6 & 7 license and understand these things better but that does not help with the much higher premium! I am just hoping that I will receive the benefits that are promised in the LTC policy.

I was recently diagnosed with cancer and after repeated discussions with my family and dr I decided to take continuous leave from work. I have been enrolled in a Unum short term disability policy through my employer for a while and immediately filed a claim. I found the process to be super easy with Unum's app and my CSR interactions on the phone were pleasant and accurate. I received my first payment today. I read some of the reviews on this site and was a little worried, but I wanted to share my experience to help give someone else hope during a trying time.

In February my Dr put me on medical leave for nerve damage in my arm. My employer paid me the 12 weeks of short-term and in April before my short term ran out I had filed for long term. While waiting for a check they informed me in mid June that they had no record of me filing for long term. Finally after an hour on the phone I was told it would be reviewed and I should receive something within 45 days.

If you value the reasons for disability ins. Do not use this co. History of illegal claim dismissal. Willful misrepresentation of court procedures. Total disregard for client, facts, medical precedent. This behavior spans decades, repeated violations. Documented. The only value a client has, is how much they can gain from you.

I had taken out a life insurance policy on my husband during open enrollment at my then employer. I was advised that his coverage was guaranteed for $50,000 with no medical questions asked. He unfortunately died from a heart attack. Initially Unum wanted me to open a bank account in New York so they could deposit the payment. I advised them I already had a bank account and they could deposit into that or send me a cashiers check. They responded that was not their policy. I then received a phone call from them asking all kinds of questions. One being was my husband receiving a disability check. When I told them he had been they responded that they don't pay for someone on disability until they are no longer disabled. I hired an attorney and Unum would never respond to his calls. Don't get scammed the way I did.

I had an accident the first week in June. I have UNUM through my work benefits that I pay a significant amount for every pay period. My claim has been approved for over 2 weeks but I have to receive any money. Every day the rep will call me & say it will be direct deposited today. And every day he has another excuse as to why it hasn’t been paid. I have been out 7 weeks so far & have to receive any payment despite my claim being approved. They take forever to pay you so you have to go back to work sooner than your Dr ordered. That is their business. Yesterday I talked to 3 different reps & I heard 3 different stories as to yet why my claim hasn’t been paid anything. Do yourself a favor & instead of electing a short term disability company, put that money aside & use that for your time. Because you will never receive any payment from UNUM. At this point I think contacting an attorney is my only option. UNUM stands for yoU will Never get yoUr Money.

I obtained STD July 2017 as part of benefit package with my job. A standard selection STD, LTD, etc. In early 2018 a doctor discovered that my hernia needed to be repaired. A surgery I had in 2013 during another unexpected major surgery. Over 4 years later, the doctor discovers that my hernia has ruptured. The previous surgery was an elective so, I was planning to use vacation and involuntary "change over", but found out the hernia needed to be repaired, which would be a 6 week recovery. Had the surgery 06/21/2018. I went back to work 07/09/2018 because the claim was still pending from June. It is 07/23/2018 they have been contacting physicians to obtain information to confirm that I had not been treated in the prior 12 months before securing STD benefits.

Where do I start? Unum is by far the worst outsourced company I have ever experienced. I've been out of work since June 8th 2018 and have yet to receive my first paycheck. Between the hundreds of documents that they need sent in to each Customer Service Rep telling you something different each time you call. Is it a training issue or what? But they don't even care about one's livelihood.

I went out to my mailbox today and there was a plain envelope there from Tennessee. So I opened it to find this check Dated July 2, 2018. In reading the computer printout, it stated: California Teachers Assn. dated October 2, 2000. That is the date of my Mother’s death. Why does it take 18 years to pay off a life insurance Claim??? I think these are corrupt pigs who stole most of this life insurance from me. No way to prove that because Mom's files have long since been dumped (what the insurance company was counting on!) DO NOT DO BUSINESS WITH THESE RATS!

My husband and I were in an auto accident and we were rushed to the hospital by ambulance, due to severe back pain and other injuries sustained, we were treated, I had to have an X Ray and CT scan and the same with my husband as well. Because of the airbag, my eyes were swollen shut. I had lacerations on my forearms and we were bruised badly. They gave us such a runaround about getting to them a physician's statement and proof of treatment, bills mounted to thousands of dollars, my health insurance paid some but not all, and found that they are only approved me for $350 and my husband only $150... That doesn't even cover anything at all. What a rip off this is. I would recommend anyone NOT to get this accident insurance, next time, I will try AFLAC and see if they are somewhat better.

After a recent heart attack I decided to use the Critical Illness Policy I have been paying for through my employer. After reading reviews on this site, I was skeptical of ever receiving any benefits, but applied anyway. The Unum reps I called and spoke to for information, were very helpful and assisted me through the entire process, especially with submitting the required documentation. Yesterday (less than 30 days after I applied) I received the critical illness payment as promised on my policy along with other payments for treatments received during my emergency room stay. This payment helped me to pay off my annual insurance deductible and also helped with co-pays for follow up care. Thank you Unum for delivering the product I have been paying for.

I've been on disability since May 3rd. As of June 9th I'm still waiting for a payment. They sent my first checks to the wrong address. When I called and complained I got the runaround about talking to my case manager who if actually does exist leaves work early and doesn't answer calls after 10 A.M. Finally got ahold of their manager and was instantly hung up on 'cause I have no right to be upset. I've waiting so long for a payment that I can't buy groceries or pay my rent. One of the most unprofessional companies I've ever dealt with. E-mail scammers are more organized and professional than these people.

Run for your life. Seriously. So I needed a deep cleaning to prevent gum disease. My gums were clearly receding, my teeth clearly needed more than just a regular cleaning. Frankly, I've finally found a great dentist who cares about the long term health of my teeth. Wish I could say the same about the insurance. I had UNUM through my employer (yes, had, because they dropped that nightmare of insurance this year and switched to something else). My dentist estimated the expense of the procedure, and I paid my part. Everything was great, my gums and teeth looked and felt fantastic. But then UNUM decided that based on the X-Rays my tooth decay wasn't sufficient enough for a deep cleaning. Literally. So they declined to pay their part. My dentist has to re-submit everything over and over, but still the result was the same: "not enough of decay". Really? What is "enough"? Teeth falling out? Deep cleaning is supposed to prevent that.

I was originally on FMLA due to a medical condition and was scheduled to return to work on May 13th. My doctor subsequently extended my return to work by 6 weeks. Unum was very difficult to work with and took over three weeks to issue payment on the first part of my absence. Despite providing the necessary information for my extension prior to May 13th they have not issued a payment for the second portion of my absence. I have repeatedly been told they have 5 days to do this and 5 days to do that. Despite having received the last information they requested 5 days ago I was just told they need more time to evaluate my situation. I purchased this insurance through my employer. Unfortunately this is the only choice I have.

My daughter was in MICU for a week. My granddaughter has been in NICU for 3 weeks. I requested 1 week off. In order for me to get back to work I need the FMLA application approved. When I filed the application, Unum told me it would take a couple days and that I would be back to work the next Monday. It's been 3 weeks. Today I finally hear from them. They asked me if I started back work on the 7th. I reminded them I was waiting on the application to get approved. Then they acted like they remembered and told me that they were waiting on information from the hospital and for me to send them the paperwork back that they sent.

I am on STD due to an accident and worsening health because of it. My company has been supportive about approving my leave, however UNUM is a nightmare to work with. I have been faithful in providing documentation to them on a regular basis, as have my doctors. I have even done more than asked several times in order to give them warm and fuzzies. Yet, they bother my doctors non-stop to get every single piece of documentation there is. They also make me jump through hoops--with various evaluations even though they have plenty of evidence from doctors. Once I jump through one hoop -- they ask for the next hoop. Here is the deal with UNUM. They seem to be an organizational mess. Their website is rudimentary and sloppily designed. You put information out there (e.g., doctor names/addresses) and they seem to ignore it and dredge up old addresses from ten years ago.

I am an Accounts Payable Administrator and am responsible for scheduling payment for our disability invoices that we receive from UNUM. These invoices always arrive late compared to our other insurance companies, calls are barely returned and come days later. Their e-mail system is extremely user unfriendly. I have spoken to two representatives and in both situations have found them to be rude and unprofessional. Our subscribers have complained of poor treatment and wait time for claims. Thank goodness there are many more options for employers to choose alternative disability insurance with a company that will provide better customer service.

I have paid into UNUM disability insurance for 11 years, first time filing a claim has been the worst experience ever. The assigned claim manager never calls back, have been fighting my claim for payment for almost a month when there is documentation on file. Had to call for a manager, took a week to get a call back after I called twice and left messages complaining. I will be canceling my policy with them, not recommending this company. They do not have your best interest at heart, they just want your money, and have no desire to help when you need it the most.

I’ve never taken off from work under FMLA until my mother was placed into hospice care after fighting Stage IV metastatic cancer for over 5 years. I was immobilized with grief and anxiety throughout the entire process of helplessly waiting for her to die. Unum is still “processing” my claim! I’m about to return to work next week and they still haven’t decided to pay me or not. No one should be expected to go through all of this at a time when they’re unable to cope with anything. Even getting out of bed has been a struggle. My employer has been 100% supportive but this insurance company is ridiculous!

This is the worst insurance company I’ve dealt with my entire life. I had emergency surgery and filed my claim (short term disability) a week before, they still haven’t fixed their mess! My surgery was 2/19, they placed me “back to work” 3/2. I am not cleared until 4/2 and they keep giving me the runaround! Just because you can’t work, doesn’t mean your bills stop!

I have paid for Unum long term disability insurance for 6 years. I recently filed benefits. Was denied because they have a 180 day limit of which you have to file in. This was not in place when policy was purchased. They suck.

My rep on my insurance claim never calls me back. Cannot find out anything about my claim. Cannot get on to the website. The website is so poorly done I could not even register to find out about my claim. I'm so frustrated with this whole company is unreal. You can't even get ahold of the operator 'cause she's always busy and you get cut off. You cannot get ahold of this company. It's horrible. And when you're sick and, or recovering from a major surgery who wants to deal with this.

I felt accused and accosted in a corner. I felt like I had done something wrong. I have worked 20 years and have never taken FMLA. I was taken aback and disgusted by the UNUM customer service.

This client was employed with a company for over 10 years working many days sick. I’m typing this review for her because she has poor vision. However, UNUM finally awarded her benefits for 6 months, after 3, of her physicians signed off declaring her disabled to continue her benefits. This client went 2 years going to neurologist and other doctors being misdiagnosed. After a near death experience and vision loss and increased intracranial hypertension diagnosis that causes daily headaches. The headaches intensifies so badly that the client is unable to participate in daily activities because leaning forward, lying in bed, are a few of the things that makes the headache pain intensify. She has to have help with bathing because of frequent falls.

I bought this Hospital Indemnity Insurance through my company. Total waste of money. My child went in for Brain surgery for 3 days and they refused to pay. They said that her surgery was due to a pre-existing illness because she has Epilepsy, so for that reason they refused to pay. This set me back quite a bit because I had to take off of work to take care of her. They told me that I had to be with them for a year before they would consider paying. Actually they are just a ripoff but they continue to take my payments but no service.

On Dec 10th I had a very bad case of vertigo which caused me to have an anxiety attack. I called my husband home from work to take me to the ER. I couldn't walk without help because of everything spinning. I was fine for a few days and went back to work and had another attack on Dec 20th, I was at work and called my doctor to see if I could come in. I go in and I tell him I have vertigo and everything is spinning, he tells me that I can't go to work like that, so he took me off work until Jan 18th.

I have been trying to receive my benefits due to injury. On 3 Sept. 2017 I was injured in my spinal column and have been out of work for over 4 months. My employer sent appropriate paperwork to get benefits started and Unum sent me forms. It took my employer several days to get me in to see their clinic although ER stated no return to work but needed to see ortho and MRI and follow up. The doctor said I could return to light duty without MRI then I had my MRI results came back with several herniated discs. I returned to ask doctor about treatment and made him knowledgeable that insurance company had no scheduled ortho and neither did they and was in severe pain. He decided upon reading results to take me out of work till ortho can see me for further review...

I am 67 and according to UNUM my policy is up and they consider me no longer disabled. (even though I am still with the same disability). UNUM informed me the $180 a month long term disability payments from UNUM have stopped as of my last birthday. These payments were not given to me, instead were held by them to pay back the workers comp monies I received upon losing my job. They explained Unum no longer owes me any more money that can be applied to the "debt I owe".

I see the same complaints here over and over about UNUM claiming not to receive doctor notes. I can assure you I have followed up over and over again throughout my experience so far with UNUM and they make this claim even when you have proof that records were sent. Throughout the short-term process I would go 4-5 weeks at times without pay while they claimed to not receive documents. I follow up with the doctor's offices and they have dates and times documents were sent via fax and then we find out they now want them faxed to a different number. This was a game that happened over and over again. I honestly believe they do this to try to run out the clock on your claim so they can justify denying it.

When my spouse bought long term care insurance nearly 20 years ago, she was guaranteed that rates would "never" increase. Her annual premium in 1999 was $1,963. The Commonwealth of Massachusetts has allowed them to increase rates so that the annual premium is $2,799. Now they are allowing another 40% increase to $3,912 per year. My spouse is now 75 years old. This 40% increase is unconscionable given the number of years she has paid into the insurance plan. Social Security certainly isn't going to go up 40%. I simply do not understand why this is not treated as a legal breach of contract. Another case of Massachusetts failing to protect consumers and the elderly against predatory business practices.

I have a very rare disease called desmoid tumor. It’s like cancer but does not spread throughout the body but reoccurs aggressively. I have had 2 surgeries since 8/21/17. Just had my last one Dec 11/17. I was off for 7 wks and did not receive a pay check. I call everyday. They always have a different story. I was in Hospital and just got out 12/13/17. I called them because still no money. After being admitted and drainage tubes and my spine being operated on still no money. My pcp fills everything out numerous times. I told chole ** that and no sooner I hung up the phone I looked at my app for Unum and she closed my claim. I’m stuck with this disease and my child gets nothing for Xmas not to mention I’m backed up on bills and don’t get me started on my medical bills. WORSE COMPANY EVER!!!!

By NOT allowing individuals to cancel the policy during open enrollment, via online enrollment sites (like Benetrac), and forcing subscribers to "call" Unum (so no documentation exists) - you're trying to scam individuals into not being able to cancel their policies. I'm cancelling because the customer service was DIFFICULT at best - making it extremely hard to file a 'valid' claim - this is NOT an insurance company I want to deal with on ANY policy. AIG, State Farm & Amica are all SUPERIOR at customer service, therefore, they will get my life insurance, accident insurance and anything else I can eliminate from Unum. Sad Company...

I bought Unum short-term disability insurance through my company 2 years ago. I needed my breast implants removed due to capsular contraction/scar formation (which is eligible for insurance coverage). After my application was processed, I went online to see that my case has been closed with a $6000 benefit, I was on disability for a total of 6 weeks with a 14-day eligibility period. I called to ask when the benefits will be mailed. The agent stated, yes, I qualified for benefits but no $ will be issued to me. They are 'actually managing my disability leave with my company'. How can a monetary amount be assigned to my case and no $ sent to me?

I have been a long time customer of Unum Life Insurance. I purchased a term life insurance policy when I left my employer in 2001. It started out as a 57K Life insurance policy, and the rates have gone up exponentially every 5 years. This year because I am turning 65 my rates went up $350.00. When I turn 70 my benefits are cut in half. What kind of business is this? That forces people to pay an enormous amount for life insurance and then turns around and cuts your benefits in half. I wish I had stock in this company or was a CEO, I would be a millionaire. Don't get sucked into their life insurance policies - not worth it in the long run.

Don't get cancer and need treatment. I have paid for 4 years at my company and everything from the doctors, hospital, and everyone have been submitted. I started infusions last week and feel horrible. I would like to take my short term but they have denied my FMLA stating "I have only worked for the company for 7 months". REALLY!!! This company is a joke! No one ever responds or knows what is going on!!!

After having hand surgery I applied for my temporary disability. After doing all the work for them in order to activate my claim, UNUM strung me out for 7 weeks saying they were processing my claim, they then took 2 more weeks reviewing my claim to verify if I was even eligible. Then they denied my claim saying it was a preexisting condition. Even my ortho specialist didn't consider it pre-existing. The customer service with UNUM was nonexistent. This is the WORST insurance company I have ever dealt with and they should be put out of business. They are comparable to white collar domestic terrorists.

Every time you call you get a different answer from whomever answers the phone. I called to file complaints and had to talk to two or three different people. Nothing got taking care of and I can't wait until open enrollment to cancel. They will never get another dime from me.

I found out that I needed a spinal surgery and the company I worked for was playing around deciding whether or not I had short term disability even though I was paying for it and had been with the company long enough under the handbook guidelines. I called Unum and they swore I had coverage and wouldn't lose my coverage even if I got fired for having the surgery. So I had the surgery, and while I was laying in the hospital bed, the company I worked for fired me and Unum called me to say I wasn't going to be covered because I had a pre-existing condition. I had asked them that question specifically in my many phone calls to them leading up to the surgery and they denied having a pre-existing clause but apparently that was a lie.

I applied for long term and short term disability. I filled out the questionnaire. I was honest and said I have anxiety and that was the reason for my last doctor visit. Meanwhile I have suffered from anxiety for decades and have never missed a day of work due to anxiety. I have never been hospitalized for anxiety. I am very healthy. I take zero daily medications. My last hospitalization was years ago and that was because of a bad gall bladder. I guarantee I have coworkers who have high blood pressure and are a hundred pounds overweight and were approved for coverage.

For 4 month UNUM has stalled and given both us and our dentist the run around. They referred us to this dentist as being in network and confirmed our coverage before procedure but have "lost", "never received" "lost again" info they requested. Our dentist office has literally pages or notes on the runaround they have given her. We even scheduled a conference call between UNUM the dental office and ourselves and were assured they had everything and a month later still nothing. When we called was told it had just sat for another month but they would get it done. 2 weeks later still nothing. Now we have been placed for collection and are turning it over to our attorney because now they have damaged our credit as well. Dental office turning them over to the state of Georgia. Never have had service this bad. Whatever it takes our company will not be using ANY of their insurance service next year. After reading reviews, seems this is a company wide practice.

I suffered brain damage and a "failed back" (pain despite 2 surgeries) and am disabled. My job was being an emergency physician. I can't do that with brain damage. Unum put me "on claim" without hesitation and is sending me payments very regularly. I would like them to direct deposit, and they won't do that, which is annoying and I took off one star for it. I read some of the other reviews, and honestly, as board-certified MD with 38 years of experience, many of these people are whining that their claim was denied, and then they identify their problems in their complaint, and they are truly and honestly NOT disabled, and I can see why Unum denied them, and I think Unum was right.

I established Unum Insurance through my employer in 2008-2011 and the both of them are very unethical. I enrolled in short-term disability insurance as well as long term disability insurance paying into the program for numerous of years and suffered an injury that I still have until this day. I was injured at work and this company gave me the run around about my insurance until the day I was wrongfully terminated. I asked for reimbursement and they refused. They are deceitful and in the business of making money off their consumers.

They have every reason under the Sun to not pay for my claim, I have received the run around. They are heartless. They do not want to pay no matter what. My surgeon and my PCP sent in all documentation to support my absence for a month, with it being an emergency surgery. No preexisting condition or anything that my policy wouldn't cover and Unum still keeps coming up with ridiculous reasons not to pay when it's obvious I could not work which was most certain clear. No food on the table, had every reason to receive money from a company I have paid into every week. They do not care.

They did reach out to me in a professional manner. Matter resolved.

Unum yet again has wrongfully deprived another sick/injured person of their disability insurance. I have 3 specialist physicians ALL stating my need for disability and yet Unum has wrongfully denied this based on their part time primary care doctors evaluation. On top of this, there have been 3 employees including a supervisor and contracted physician that have blatantly lied (on a recorded line) about physicians letters claiming my ability to return to work when in fact none exist. The contracted physician created a written statement claiming that one of my specialist physicians stated that "pt is ready to return to occupation at full time." This never happened and infuriated my physician so much that he wrote a strongly worded letter back to Unum and the contracted physician correcting their lies. In my opinion, never trust anything an Unum employee tells you and NEVER pay for any services that Unum has to offer.

My doctor put me off work for 3 weeks because of heart palpitations and the stress of my job. I was also put on blood pressure medication but we could not get it down. The claims expert informed me that I was not sick enough to stay off work. I asked him, "should I have ignored my doctor's request and gone to work?" He could not answer, but he did say that everyone gets stressed at work, but it should not have kept me off work. REALLY!!? Why am I paying into this plan?!! THIS IS CRAZY! I was waiting on this money to pay my bills. REALLY!??