Unum Insurance Company Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

I purchased a Unum policy through my employer, opting for quarterly paper billing. There are only a few companies I trust to use electronic billing and I never allow any company to auto-charge my credit card, or auto-debit my checking account--that's like handing your wallet to a near-stranger and trusting them to only take out the money you said they could have. I certainly don't trust Unum.

I wish I could rate this service 0 stars. This service is so bad and frustrating especially if you are very sick and waiting for payments. I have contact my employer and HR team about how frustrating. This company delays and makes up excuses then outright lies about missing information.

If I could give 0 stars I would. This useless, awful company that my employer uses denied my request for short-term disability because I have asthma. Are you kidding me? I have never had this happen with any other place before. I hope they go out of business.

I encourage anyone who's company uses Unum to administer their disability insurance to let your management and HR know that Unum is an absolutely awful company. Unfortunately, the company I work for (Amway) uses Unum. I had to have shoulder surgery and Unum has been nothing more than a headache. The website is trash, IF you can get ahold of a human they are extraordinarily rude and useless, the payments are not deposited on time (if you actually get paid), and they think they can dictate when you are fit for duty. I can't believe Amway, or any company, for that matter, can use a company like Unum in good conscience.

I was hospitalized with heart issues. Upon release I took the forms to my Dr. to complete. He is a Cardiologist with a degree from Harvard Medical. A few days later, some pencil-pusher sitting at a desk, rejected the application saying it wasn't done correctly! And, gave me a deadline to get it in by or be denied my leave. If that were to happen, I lose my job! Good Luck trying to contact them & speak to a human. Thank God I went to my Dr.'s office on a Friday. Otherwise I would have lost 3 days of their deadline. If you need to use UNUM, check, double check & then triple check every step of the way! They are NOT for the employee. And thanks for the added stress upon being released from the hospital. Nice touch! 🤬

My husband has been out on disability since October, and we’ve been facing one problem after another. At first, we were given the runaround regarding his paperwork, and now, despite finally getting approval, we are still dealing with complications related to his payment. We’ve called multiple times and have been told there is no direct deposit on file, even though we have an email confirming it was set up correctly.

I had to get surgery thought it would be easy, I have seen that other companies people go out for surgery and never have a problem. I've had to get my wisdom teeth out and Amway made me use my vacation time. So this time new management had me call this company. Absolutely terrible. I understand why the previous management made me use my vacation. So many hoops to jump through. I have to call literally every single day. (For a month) I'm not Tech savvy so I'm not using the portal, they text me every day to call them because I stuff to be done.

I have been getting LT disability from Unum for 12 years. They are a nightmare to deal with. My monthly check is to be deposited on the 2nd or 3rd of every month. If there is a holiday any time during the entire week of the payday, the deposit is pushed to the next Monday. Holiday on the 1st. Check doesn’t arrive until the 6th. It is never on a consistent date. How can every other direct deposit go in on the weekends, but theirs can’t? I have a degenerative autoimmune disease. I will not get better. Ever. There is no cure. However they still make me prove my illness every other year. With paperwork from my doctors, signed diagnoses, medical records. I haven’t worked for 13 years. I am not going to miraculously get up and be able to work now. It’s just insane, the lack of common sense. If you are a business owner, please do not subject your employees to this absolute nightmare of a company.

If I could give Unum a 0 rating I would. This company is awful. I have called multiple times without success. Unum is nothing but a call center that is trained to give you the runaround. None of the representatives knew anything about my claim— pretended to not have access to my claim. I even had one representative tell me that I didn’t have long term disability. This is a scam and should be investigated. I have paid into this company for 8 years. I will be seeking counsel.

If I could give them a 0 rating I would. This place is an absolute joke! The person working my case, Ashley, has all the information needed and yet she is requesting more information. She is doing this deliberately! And it’s so obvious. You can’t speak to a supervisor! You have to wait for a call back. I’m really disappointed knowing that the company I work for has a company like this processing our disability claim and not to mention this is something I’m entitled to! They don’t want to pay and that’s the bottom line. My procedure is medically necessary and is indicated on the FMLA form and yet Ashley is still refusing to approve my claim!

I am not happy because I was out of work for Five weeks. I had to work 10 days before I could start collecting my money. I have been back to work for One and half weeks. I have not received not one dime from this company. I received a letter from them with wanting more info that had to be filled out with no check. Dissatisfied 100%.

Like soooo many others I wish I could leave 0 stars. I have been on long term disability with UNUM for several years. Be VERY careful, they will pull all kinds of shady tricks to cancel your claim, which they just did on me. No warning, no preparing for having no income just closed. I have no idea how I’m going to pay my bills. I’m 60 with permanent restrictions and limitations on my body, and am basically unemployable. They don’t care. Anything to save a buck and enrich their CEO and shareholders. Their app is an absolute joke. They make it unbelievably difficult to submit the required paperwork, which they ask for over and over again. Then one little slip and boom! Gotcha! Claim closed. I have sought legal representation but have very little faith that I will come out victorious. They are a shady, crooked, ruthless company. Avoid at all costs.

Please do not EVER make your employees deal with this unethical and immoral company. I had a total knee replacement and my short term disability has been denied repeatedly because “they can’t just take the surgeon's word for it, they need all medical documentation”. As I’m fighting with them they keep saying that my provider is accepting the electronic release is signed; I never signed an electronic release, is printed one off, signed it by hand and sent it to them from my the head of my Human Resources office. When I then takes to my provider they said that UNUM has not contacted them even one time. DO NOT USE THESE SCAM ARTISTS!!

Do not use this company unless you like your time wasted and never able to reach your claim owner. It’s been a headache since day 1. The management actually works to resolve concerns but the claim owner doesn’t care. When I talked to her (Susana) today (after overhearing her talking about me when she thought she was talking to the rep). Then I got sighs because she was sick and didn’t feel good. I’m sorry that you’re sick but at least try to have a decent amount of customer service and professionalism.

Unum is the worst insurance company that I ever had to deal with. I just had surgery about a week ago. My doctors filled out the forms and sent documents. They claim they need more information. I sent them more documents and they said they received them but they still need information. They were also rude and kept on transferring me to different representatives. They practice this so you would give up. I paid into this insurance coverage in case something happens. I feel I get the runaround. If I knew this I would drop the insurance. Why pay extra for the insurance when you can't use the benefits. The status is still mixed decisions. Called back. Got the same thing. I am probably going to go talk to a lawyer because I feel like I am getting scammed.

I always had Sedgwick through other companies I worked for. Last year the company I am with changed to Unum. Had I know how horrible their benefits, customer service and product for STD I would have dropped it during open enrollment and looked on open market for another company. I started my claim for FMLA and short term disability on OCT 21st. I have had to call no less than once a week, as my claim would show no change. 3 weeks in I had submitted everything they kept posting about needing more info, exactly at the 5 day point. The letter was the most none explanatory, useless junk. After 3 more calls that week I finally got someone with some sense. She explained what they needed was a term for section 2 included on line 4 and line 5. Seriously 3 calls to tell me that. I personally uploaded the documents and they claimed they never got it 2 times.

I wish I could give them one star. I work for a health insurance company. I have an upcoming surgery where I will be out of work for three weeks. Me and my surgeon followed their instructions to the very finest detail, we submitted the medical certificate and return to work form THREE TIMES because every time it would show as not received. Trying to get a hold of a representative is nearly impossible, I’ve learned I have to scream REPRESENTATIVE to even get passed the automated message options. Each time I’ve called (five times now) I’ve had conflicting and confusing information. The 1st to confirm they received my documents, however they said they needed additional information and proceeded to ask me the information already on the forms and said I’d receive an approval letter within 5 days.

I have been out of work since February of this year. It is now November 30th. Going to doctors has been my entire life since taking a leave of absence. I received payment perhaps three times if I remember correctly from February to July. On July 8th I believe Unum turned my case over to long-term disability. I have sent medical records non-stop since the beginning. My physician has sent medical records over & over to always result in “we haven’t received anything”. I spoke with a lady through Unum who I discovered was my long-term disability case manager. Every time I would call Unum it was either “ we haven’t received anything” or my all time favorite line “we need MORE medical information”. I sent Unum enough medical records to make an entire book.

I got on the phone to speak with Unum after looking at my life insurance policy from 2014 for my daughter. I bought it because I was told by my financial advisor it may be the only insurance I’m able to get on my daughter who has a genetic disorder, and I got it through my registered nurse position. I was holding my amortization schedule for her policy and saw the cash value after 10 years was less than $500. I wanted Unum to explain why I put over $1500 in and have nothing as to cash value. I was informed that I don’t even have any cash value after 10 years. I spoke with a rep at Unum and told her I was here holding the schedule off amortization from Unum in my hands, she said she had no record of it, she could not give me an answer as to when the policy would create cash value.

I was coming home from work. It's tyson foods. I never saw the horses in the road and I hit them doing 65 miles an hour. It totally crushed on the left side of my body. I was in a coma for 3 months. I have six surgeons and a primary doctor in rehabilitation and it gave me a brain Concussion.. bipolar and depression. Unum has cut off my disability. His name is Kenneth. In the letter that says why they cut me off.. He said that he called my surgeons at Vanderbilt University... He said that three of them told him over the phone, that there were no restrictions that I could work, so he cut my disability off... I don't know why he lied, but there is no way. Vanderbilt University is giving out any medical information over the phone.

I would give this company a zero but the option is not there. Been trying to work with Unum to renew my FMLA (that I've had for 7 years and just trying to update for the upcoming year) this new process was so frustrating to my PCP and myself as nothing was enough I had just given up. After 1.5 months I messaged them (because speaking to a human is almost impossible) to just close out my request. Two weeks later I am now being told that the process cannot be cancelled or closed because I hadn't reported my days off yet. I had never been told that my FMLA was approved so I forced myself to work through my chronic illness and hadn't taken time off.

I have been with Unum for the length of time at my job, I filled for short term disability in 10/11/24, they seem like they are dodging to have to help me, it’s now November, they keep asking for this and that, but they have no problem taking money out of my salary every week, it should not be like this!!! I have submitted what I was told what was needed then they are asking for more things, I feel like they are trying to avoid helping me

This company is horrible, they don't care how you live. I have lung issues for over three years now due to covid. I still use oxygen every day probably for the rest of my life. They go on your social media and check out what you do, so am I supposed to sit on a couch all day and do nothing or try to live my life with my family. I have to pay them back money which I don't have. I live on social security which I don't get a lot from.

Unum Insurance is a RUDE and UNPROFESSIONAL company. I will be put in a leg brace for the rest of my life. I have been called a liar and scam artist. They play mind games with you. Until you mix your words up and say the wrong thing. Then they quickly move to the next subject. They are Forcefully DISRESPECTFUL with your doctors, physical therapist and their staff. If they don't get what they want right now they THREATEN YOU. UNUM will say "WE WILL CLOSE YOUR CLAIM. IF WE DO NOT RECEIVE IT BY OUR DATE." Horible service and experience. Families' lives are threatened financially. When the household loses an income due to a disability. Unum knows this and takes advantage of people's lives. Stay away from this selfish and rude company. Please.

This company is an absolute joke. They drop people off the insurance for no supplied reason. I guess they are only willing to insurance perfectly healthy people to take their money. This being the company that most employers use in my area is horrendous. I hope that one day the people of this company have to deal with a company just like themselves.

No company should have Unum as their third party benefits company because they are lousy, rude, unprofessional, and lack concern for their clients. Had lisa ** as my specialist and she was not helpful at all. Had the hardest time reaching her because she does not have a direct number, she says she will do something and does not do it, and communicating with her is like talking to a brick wall. When asked to speak to her manager, you are told from one person it is a man then you are told from another person it is a woman. I don't think one manager can be a man and woman at the same time, but maybe they can these days. I literally had to walk away from my position because of lisa and this company because they were poor in managing my claim. I could not be sick for always having to do lisa's job. It was insane. I read a review on here that said if you see where your company has Unum as a third party benefit company, run the other way. Best advice I have seen in a long time.

I had to go back to work because they wouldn’t send me a payment. I was injured worse because I had to go back to work early. I am considering litigation at this point. CVS doesn’t give me a choice of short or long term disability providers and this one is absolute garbage. For what they are, they do not function like they’re supposed to. 2 calls to them told me I didn’t need anything else only to find out 2 weeks in that I did. Case manager is never available and doesn’t return calls. The survey at the end of each call only asks questions that are easy to get a good result from. The South African team are the only ones that seem to genuinely care about your experience or how you’re being treated most of the time. My advice is that before you accept a job offer, find out if this company services any part of your benefits. If they do, turn down the offer because if you get hurt (God forbid) you’re on your own.

Worst company ever for companies to provide their employees with for short term disability. They don’t follow up, they don’t pay you on time, delay upon delay excuses. And they make mistakes and then request unnecessary medical records and don’t even review it. Meghan and Penny or whatever her manager is. Keep telling me I going to get paid in a day or 2. It’s been six weeks now, nothing. Call back, she give me the same story. People are out sick and bills need to pay??? Hello. These people don’t care. When I had my chemotherapy my job had Lincoln I had no issues. Now this Unum just adding stress to stressful situations.

Unum is absolute scam! It is extremely difficult to be sick and continue to babysit Unum workers. I have had to cancel physical therapy, dr’s appointments and now can’t pick up my medication all because Lisa the caseworker has failed to update my claim extension. In fact, she had never even called once the extension was filed! Instead she did as she has done for weeks; NOTHING. Then when you least expect it, she cuts off your benefits! No explanation and no communication! I haven’t heard from her since July! I reported her in August for the behavior and I was told she would call within 2; hours… I still haven’t heard from her and it is Sept 5! They paid $180 in a month to me! Who in the world lives on $180?!?? Scam! The entire company needs to be sued.

Have called their customer service 10 or more times since having to take an unexpected leave of absence from work in mid August. I've gotten the run around numerous times. Customer service reps are horrible and give me the run around. They put the wrong date on my letter that states when my leave ends. It's impossible to talk to my case manager/specialist. Run away from this company if possible. You shouldn't be stressed out taking a leave of absence or doing a short term disability claim when you can't work. You should be recovering and not stressed out.

This company denied a serious illness claim for our 21 year old son who unexpectedly needed open heart surgery. I complained to my employer and later learned I had plenty of fellow employees that had similar experiences. My employer has since found another carrier. Run, don't walk, away from Unum!

Unum Insurance Co. recently requested a 28.3% premium increase on the LTC policy in the state of Georgia. The Georgia Insurance Commission approved 9.9%. Unum said since the full increase was not authorized to expect future increases. Ironically the CEO of Unum annual salary and bonus is $19.7M dollars. That is enough for 250 policy holders to receive long term care of $6000 per month for one year! Maybe he should consider taking a salary cut before asking for a rate increase. Clearly the board is asleep at the wheel!

Turned in FMLA paperwork weeks ago. It’s signed by a provider. Still not approved. So now I’m gonna submit a claim once a day for the next couple of weeks. One man can’t do anything, but I’ll drown 'em in paperwork. Maybe if I send pictures?

This company is A JOKE!! They admitted to putting clerical errors in my legal medical documents!! No one is on the same page with this company, left hands doesn't know what the right hand is doing… How is this company still in business. You have a bunch of Nonmedical professionals making decisions on something they know nothing about.

I have had to use Unum many times in the past and I was going out for surgery. Knowing they are a pain I called and made sure they had all the info they needed weeks before my surgery. I call back the day after and they needed more info so I got it to them that day. It went under review and needed more info over and over and over again. Now I have been three months with no pay and I can't walk yet I am still under review once again and I "might" know something in five business days. This company regularly has had me going weeks-months with a consistent issue where I can not work where I do not get paid and they do not care. I don't know what other companies like this are like but I can not see them being worse. I would rather drive to and deal with the DMV five days a week for two months straight than ever call them again.

Stay away!! They ask for paperwork and they don’t read it. There is no follow up on the assigned account manager. I have had a claim that was submitted and approved a month prior to a scheduled surgery and there still were delays in receiving payment. Hate dealing with them as a company.

Tens of thousands Paid to Unum, Only to drop out due to back to back so called (Grace Period) letters! They say your cash Value not enough to cover your cost. July letter $1,132.04. Now August $1,132.18.

I wish I could give a less than 1 star review for this company. They take their time and have very blurry requirements for what will satisfy their need for information. The initial claims process is fine, as long as NOTHING changes in the interim. If there are extensions, doctor referrals or additional testing needed along the way, you are in for a LONG battle to get an updated approval and any kind of payment. The instructions from the adjuster are not clear, as I don't even think they know what they REALLY need in order to satisfy their documentation and pay these claims out!! I'm definitely going to advise our HR dept to seek out a different company for our employees. This place is terrible!

I am very unhappy with the customer service. I faxed a paper to extend my time off. Called a few days later to make sure it was received and was told they received it but did not forward to the department. They were waiting for my call first. Who would know that they needed to call. I later faxed them a form releasing me back to work. I called them to confirm they received it. So I thought I was done. They never informed me that I needed to call them and cancel my life insurance. They just kept charging me. I asked to be refunded they refused. I feel they take advantage of people being hurt or sick to their advantage. I’m going to inform my employer.

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.