Unum Insurance Company Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Unum is by far the worst. I have for my short term disability, I pay for the 1100.00 every two weeks. I have been off work for little over a month due to a surgery. They keep giving me the run around game, I don't have time for that. I a single mom. Because of them stating they haven't got stuff after I have faced it multiple times doctors have faced it multiple time I am now unable to pay any of my bill or lot rent. I can't even put food on the table. They get paid so they don't care about anyone but themselves. I will not recommend them to anyone. They are useless.

While paying into the short term disability program for about six years I unfortunately had a tonic clonic seizure for the first time in my life due to stress. I was on bed rest for 3 weeks, could not move a muscle, was in pain medication (which makes it impossible to communicate with my staff or customers when it's strong and makes you sleep all day, had to be supervised 24:7 by family, supervised showers and my mother had to do regular bedside assistance for me to ensure I don't harm myself nor anyone else before my doctors put me on proper medication to figuring out what causes it.

When I call on behalf of my mom - it's because she is pretty much not capable of speaking to you on the phone, considering that she has tubes down her nose etc. Making her be the one to call you is (you can fill in the word here)! I looked all over the place for an email or something that I can complain to. Why? Because trust me when I say, you do not want me calling you.

I worked for CVS health starting 4/4/2016. In July of 2016 my benefits kicked in along with the short-term disability which was taken out each pay period twice a month. Well I had surgery 3/22/2017. I was on leave of absence for 5 weeks starting 3/22/2017 and returning to work on 4/26/2017. I expected to get pay from my PTO/vacation time from CVS that I had accumulated during my leave. I did not receive any communication from Unum so I was not aware of the short-term disability kicked in 7 days after my surgery until 4/13/2017 that evening. I called Unum on 4/13/2017 but it was after hours. I received a call back on 4/17/2017 from Kayla whom was the specialist handling my claim. She told me my claim was approved through 4/19/2017.

I had hand surgery on 4/25, and optimistically requested a return to work of 5/17 (3 weeks). I am still in a cast (Cannot grip steering wheel since my thumb is casted in an unstable position. Plus, I have not had any OT/PT. The doctor requested the leave be extended to 6/8, making the total time off work 6 weeks and one day. I am a secretary who not only types for a living (Full-time with one of the largest employers in this field), as well as perform other tasks - ALL of which require my thumb. If I need to come back earlier, one day, in order to make the total time off 6 weeks, I will do that. My cast will be taken off & a custom splint will be put 5/25. We set 6/8 as the VERY latest, and would see how the PT/OT progressed. If doing well, I would return sooner than 6/8.

I was hit by a drunk driver 9/3/2015 and am just now trying to go back to work and this group of hateful people still have paid me less than 2% of what my policy provides. I have sold my car, my personal belongings and have gone up to five days in a row with no food because they do everything they can to not pay what they owe you. I have begged them for a check and they just don't care. And in case you didn't know, there is a secret website they use to upload your claim and communicate to anyone in the industry ANYTHING they want to without any regard to the truth or not.

My husband is chronically ill. We don't have a diagnosis. Unum is no longer paying his benefit because a Specialist is not completing his paperwork. His health insurance premium is due in a few weeks. I cannot afford his health insurance premium, house payment, car, etc. After reading others' experiences I am planning on filing grievances with his employer and UNUM. The employer needs a new disability insurance company. He was a valued employee and I am now motivated to inform them about UNUM and their practices. The employer needs to read these reviews on consumer reports.

My husband had a massive stroke in 2014 and for 3 days they didn't know if he was going to live or die. He was in intensive care for a week, rehab for 2 months. He had brain damage, rendering him disabled for life. Social Security deemed him disabled immediately and he began receiving benefits immediately. The FEDERAL GOVERNMENT didn't balk at the doctors' reports. He can't feel his right side from the top of his head to the bottom of his toes. He is dominant right but now does everything left handed. I have to cut his food for him. I have to button his buttons. I had to buy him an electric shaver and sonic toothbrush because he cuts himself to pieces with a blade razor and cannot maneuver the toothbrush to brush his teeth the traditional way. His shoes are slip ons. I bought him a long handle shoe horn.

When they sold me this Unum critical heart and cancer insurance if I had cancer or if I had a heart attack or needed heart it would pay so I could use it for out of pocket expenses. Don't waste your money on them. I had a rare surgery repositioning an artery which is found in about 5 percent of people. I had to have open heart to fix. Didn't get a dime from them. Couldn't even get their doctor to look at. Denied, denied. Don't waste your money on them. You will be denied too.

If I had NO disability insurance I would have been better off by far! They paid me 11,196.74/16/payments@$963.34/ea. Then took back 9,496.74 as an overpayment Because they said that payments should have been only $100.00/mo -- And demanded in a very threatening letter all the payback immediately. Why and Who would overpay you 863.34 a month for 16 months without some kind of backhanded deal going on. You could never get a real answers to questions. I won a disability case, I had a minor child, a retired husband and nowhere did I see "credits" for any of this or for the attorney's fees either---It was a terrible time to be harassed and to be so very ill.

My former employer, Gateway Mortgage Group, offered short and long-term disability insurance with our benefits in 2016. After trying chiropractic care and physical therapy, my surgeon advised in July that I would need to have spinal fusion surgery on L5-S1 and I would also need to have metal rods inserted to stabilize the spine. Gateway advised me that there was nothing to worry about and I had the surgery in November. I knew that the first two weeks were unpaid and that the short-term disability would kick in at 60% of my pay thereafter.

On November 9th of 2016 I went in for my 3rd Acl surgery. These were not work related. At that time Unum was ok with the short term, constant phone calls and paperwork to get them to do their job, but it got done. I am a 50 year old woman working in a factory job where I need to be lifting metal from a range of 20 lbs to 150 lbs. I have work there for 13 plus years. For 13 plus years I have paid for out of my own pocket for long term, just in case. Will, on Tuesday my doctor would only let me go back to work (this is after my 90 days of short term) at light duty. My work place, which I knew this beforehand, after 90 days if I can't make medium restrictions, cannot hold my job and at that time, let me go and issued long term.

After reading all of these reviews I am not shocked at all about my claimed being denied. Do not waste your money whether it's through a group or individual policy. I had two doctors put me out on FMLA but apparently Uclaimdeniedum knows more about my condition than the two doctors treating me and refuses to pay for the time I was out on FMLA. They will run you in circles with requests, hoping you will give up, after complying with their requests and giving them authorization to get any information they need they will then turn to legalese of your policy to deny it. Appeal filed and nothing new was done by appeal specialist at UClaimdeniedum. Complaint filed with insurance commissioner in state and to mediation it is.

I was forced to sign-up for an individual disability policy with UNUM when I started my job in June 1999. I became disabled for a short time in 2005-2006. I let them know approximately 4 months later. I had no problems getting paid (minus the mandatory 90 day wait period). I was able to go back to work and I kept my policy. In 2007, I became permanently disabled. Again, after the 90 day waiting period, I have had no problems with UNUM. I did have to see a physician of their choosing (2007) along with my own physicians. What I have found with UNUM is as Follows: They like you to see specialists that are top of their field, like at a large university training facility. There is no disputing a physician who is top in their field. They like very detailed information. If you can't fill out your portion of the claim form similar to how a physician would, get help from someone (NOT an attorney!!!).

Unum is the worst company I've ever dealt with. I paid for policy in good faith for years, when I needed them most, they failed. I have chronic kidney disease stage 4. Left my employment in May of 2015, received a few payments, then all of a sudden they send a questionnaire to a doctor I hadn't seen in awhile. Long story short, doctor wasn't aware of everything that was going on, sends in form, they didn't like the way it was written so denied me payments even though my main doctor submitted time and again what my illness was. So now until I hear from Social Security, I have no money at all. Stay far away from this company. They should be put out of business. Wish I had taken Aflac instead.

I handed in all of my paperwork a month early. I called often to see if I had made sure all paperwork was handed in. They said everything was all set and all you need to do is call the last day of work. I did all of this then come to find out the day I go into surgery they are missing documentation even though I had called and been proactive numerous times to make sure all paperwork was all set. They were rude and not helpful and continue to be. Very disappointed in the service I received with Unum.

I had an 18-month policy with UNUM paid for through employee deductions. Before I became ill I knew nothing about this company or their practices. My illness was of a mental nature so my policy was limited to 18 months (something HR forgets to tell you). Most policies are limited to 24 months and that is when they want you gone!

After suffering severe sciatica for years, I finally convinced myself that it was time to go for back surgery as my situation has gotten worse over the summer of 2016. I could not stand or walk for more than "10 sec". I couldn't sit and lay down in any position desired. It was true living hell. MRI showed Disc herniation with impingement on Sciatic nerve root. In Oct of 2016, I went for the microdiscectomy and laminectomy, during which it was found out that there were disc (L5-S1) fragments in the nerve canal causing significant narrowing of nerve canal, hence the pain and numbness in the leg. Surgery was successful. I could walk without limp, and my leg started gaining strength although there was pain from the surgery itself. It was ordered recovery for 8-12 weeks.

Worst company and service for life and accident insurance. This company overcharged me $430.72 for the policy and issued a refund check that was overdue for cashing. I called in 4 times for it over the past 4. Every time, I was told that the check would be re-issued and the manager would call me back if any question. I never see the check issued and Nobody ever called me from UNUM. This company just simply hold my money there and not give me back. DO NOT EXPECT THIS COMPANY WILL PAY YOUR BENEFIT WHEN YOU NEED.

The worst company to deal with, they try to make you jump through hoops to keep "your own earned check." I am a above knee amputee on my left leg. I am awake sometimes 24hrs straight suffering from Residual Limb Syndrome, that leaves me completely worn out for days, on top of a severely malaligned right leg, with bone on bone in the knee as my medial plateau has disintegrated, plates and screws holding it all together. Neuropathy in my leg, foot and hands, Arthritis in my hands, leg and back/neck. An insulin dependent diabetic (5shots a day), Hypothyroidism and Gerd. I use a powerchair the majority of the time, yet Unum feels the need to make me recertify several times a year, these people are paid to knock as many people off their payout system as possible.

We had "Unum" as our Dental Benefit work provider, which was previously known as NDP which they took over from Capita in the UK. Every single claim was a hassle. If you had two dental appointments close together (I hate dentist so like to get the pain done and dusted quickly) for 2 separate teeth, they would class this a single course of treatment. Every claim was a quibble. Even though the dentist had filled in the form detailing that is was a separate filling and/or other treatment it was quibbled over, wasting the dentist's time and my time. I would never sign up to Unum again as part of a corporate dental plan. Everything is the bottom line, no empathy, so feeling or understanding, just questioning every time every claim. Don't bother with them, go elsewhere.

November 1 2016 I had a stroke and while I was in the hospital my wife filed my claim for me, so when I got out to find the hospital and I was going online to check the status of my claim Unum was send out a letter stating they needed more paperwork (Proof) that I had a stroke. So on November 16 I had went to follow up with my doctor since being discharged from the hospital and my doctor was telling me that the TPA shot saved my life because we caught it on time thank god. So that same day I called Unum and I was told that my paperwork work basically have to say I was diagnosed with a stroke which it did state that from my doctor and my medical records from the hospital.

These folks at UNUM are trained to get rid of you. I have been reading all of your reviews. There is not one review I have read here that isn't true. I am 43 today and at 40 I had 4 heart attacks in 72 hours. Needless to say 2 days later I was on a cold table getting stents in my heart (widow maker 98% blockage and another was 75% blockage and so on). Went back to work a week later and worked 122 hours (bi-weekly). Yes the first heart attack took place at work on the clock.

I enrolled in a Unum accident insurance plan through my employee benefits because I was told it would cover nearly 100% of an off the work accident. When I had to file a claim, I called Unum for filling instructions and was told the same thing by the representative who answered the phone: "Just send us documentation for all the expenses you pay and we will reimburse it all." When the check came it was for less than 1/5th of our actual expenses that we submitted. It didn't even cover my yearly premiums. This policy is terrible and I wouldn't recommend it to my mother-in-law!!! Happily my employer allowed me to cancel it along with every other Unum policy that I was paying for.

Updated on 04/12/2019: Unum is supposed to pay up to 8 weeks of short term disability. I recently had a brain tumor, 26 stitches, two plates and nine screws in my head. They would only pay 5 weeks of disability, saying that they spoke with their own team of professionals and that 5 weeks was plenty of time to heal. My own doctor stated that I should be out of work for at least two months. If you are looking to buy insurance, I would NOT get it through Unum.

Unum- Provident!!!

Unum has taken care of my wife and I'd like to thank them for that. It's not often that you see large corporations doing the right thing and treating people with respect and courtesy. My family thanks you much.

I purchased a life insurance policy for me, my husband and our children through Unum via payroll deduct. We were told we could take it with us if we ever decided to leave and that we needed to buy it right then (when they first came to our company) so that we wouldn't need to have medical tests, etc. I paid into it faithfully for 2 years. Today my employer notified us that due to Unum not paying claims for our hourly workers disability claims, we were switching to Aflac. All our policies would be guaranteed there. Well, no. Aflac wouldn't offer life insurance for my husband since in August of this year he was diagnosed with colon cancer. While I HOPE we don't need to use it, we now NEED desperately to have that policy.

This company is terrible; it's scam. They do not pay or they slow pay. I was out six weeks from work, never got a form to fill out until I got back to work. Never received a payment the entire time I was out on medical leave. Extremely disappointed with this company. Of course, it says a lot about the company that I work for having this company as a disability provider.

I have read the other complaints on Unum and feel they probably aren't getting a fair review. Of course people report when they are upset but how many don't even think to share when they are satisfied? My husband had spinal fusion surgery last month and got his initial 5 weeks paid (1st week is unpaid per their policy and we were aware of it because we read before we signed). He is an electrician and does very physically demanding labor. His doctor wants him off for another 3 months to properly heal. I understand Unum can't just automatically approve his 90 days without continuing to follow his progress. Our specialist has already extended it once and immediately went into review status instead of dropping us once that second extension period ended.

Unum only paid 5 weeks of short term disability for pregnancy (coverage did not begin until 7 days after delivery). I had a cesarean section delivery and was expecting the 8 weeks of disability recommended in the state of Florida but Unum denied payment after 5 weeks and denied an appeal after providing additional documentation. I had an upper respiratory infection prior to delivery and while hospitalized for the delivery I was diagnosed with pneumonia. I was discharged on time but required continued care under a pulmonologist. It complicated my recovery but it didn't matter to Unum. Given what I paid into the policy, it would have been wiser and more cost effective to put the money into a savings account.

Unum is a ripoff, they don't help with claims when they are submitted. You get nothing for paying your premiums. They are the worst company I have ever dealt with. They don't have direct deposit if you do get a claim. You pay them your money and they give you nothing. They deny every claim you put in, if you don't stay overnight in the hospital you get nothing if you file a claim. THE WORST COMPANY EVER!!! DO NOT WASTE YOUR MONEY WITH THIS COMPANY!!! YOU WILL GET NOTHING!!!

Aug. 19, 2016 I had abdominal surgery for the 6th time. We knew, and the doctor knew this was going to be a lengthy recovery. The process started out great, people on the phone were delightful and helpful. Things spiraled down from there. On 8/26 I received my normal paycheck for working up to 8/18. Unum stated given the nature of my surgery, I should return to work 8/30. I received a letter stating that following the 7 day waiting period I would receive a check for 3 days at 60% of my rate. I contacted my doctor to submit the necessary paperwork, to which they complied. 3 days later I called to check the status and I was informed the paperwork was insufficient. No one called me, they said I would receive a letter.

My employer uses Unum as our short term disability vendor. I have been with my employer for over a decade and after many bouts of stress/anxiety/panic and depression, I decided with the advice of my doctors and the support of my boss to take some time off to deal with these issues. I love my job but it is stressful and my work/life balance is compromised. I wanted to take time off to get in a better mental place so I can be an efficient and clear minded employee.

I've been an RN Case Manager at Hahnemann Hospital, part of Tenet Healthcare, since September 2003. I have had to use the Unum disability insurance (the only option we're provided with) for any medical leave since being hired, and have had many more negative interactions than positive ones. I have had chronic back pain since an MVA in 1991, which I was desperate enough to make go away that I agreed to a 2-level spinal fusion in 1/2003 (even though I knew there was a really good chance that it wouldn't help!). I was right, it didn't help, and when I tried to get my employer (Horizon Blue Cross of NJ) to set me up to work from home (which other nurses doing my same job were already doing! ), she instead fired me for being absent! I started working at Hahnemann a few months later.

I had major stomach surgery 2 months ago and under my doctor's orders was scheduled to be out for 6 weeks. Unum paid my claim for 4 weeks and decided that they were not going to pay for my additional 2 weeks because I was able to go back to work. Who the hell do they think they are?? If my doctor says I need to be out, an insurance company, who does not know me or my circumstances has no right to deny my claim!!! I have just filed an appeal and I am waiting to hear back. If the claim is denied again, I am calling my attorney. Unum is an insurance company, not a team of surgeons who know what a patient needs. My company and I pay money into the insurance company for my STD... It's not their money!!

I have it for short term and as a supplemental insurance! I pay 86.00 a pay for supplemental and they deny to pay claims and they take 2 weeks plus to pay. Please please do not purchase this insurance, you will have nothing but heartache! I had bilateral hand surgery, they refuse to pay for the second surgery. Lucky before I had them done I called and they told me they would pay for both hands, so since the phone call was recorded they had to pay!! Then my last week off work they would not pay me cause (even though the doctor said I wasn't able to return to work) they refused to pay my last week off!!!

I had an accident which caused head trauma. At the start Unum paid the claim. My doctors and specialists all said that I was unable to work in letters to Unum. About 3 months in, Unum stopped paying claims. They stated it was under review by their doctors (who never saw me). After 90 days, they ruled against all doctors that were treating me and said I could work. Which was funny because I had to have help doing just about everything. So I appealed; 90 more days, then they said they needed another 90 days. Appealed denied. Hire an attorney before 2nd appeal. The story quickly will change from Unum.

I had to go out for a major surgery and my company uses UNUM for their short term disability. I have never had such a horrible experience with a company. This is my first time ever going out on STD in my life and this company has badgered me, harassed me and made my recovery stressful. The doctor has specifically stated that the "full" recovery for this procedure is 6 weeks. The doctor has provided them with every document they need to support my claim.

I bought Unum's Long Term Care Insurance in 2001. It provided the best benefits for a single person and had an affordable premium. Both the broker and the company guaranteed that the premium would never increase. Only 2096 of these policies were sold in the State of New York. Hardly enough sales to bankrupt Unum. Fast forward to 2015, when, tearfully, Unum contacted me and said the premium just had to go up 10%. It was disappointing, but I paid it. This was just a portent. This year, 2016, the premium went up again: 66%!!! I called the company who was very understanding, and, then, in the next breath informed me that it would increase another 48%. However, their literature says the second increase will not take effect for 3 years. Remains to be seen. They seem to be talking out of both sides of their mouth.

I've been with Unum for 13 years. Paid premiums promptly. Was told when I enrolled if I paid a higher premium I would not face a rate increase. BIG LIE. 2 years ago rate increase of 18%. Unum has been sued so often I suppose they have to pay their fines. In addition, trying to communicate with Unum is impossible. All ltc seems problematic, but Unum is the absolute worse.

Dealing with Unum has been one of the worst experience in my life. Why do they have to do phone interviews every 2 months about your recovery when a doctor doesn't even know how to answer? My benefits was canceled last week by Unum with no contact to me letting me know there was a problem. My FMLA was received by HR Department by my Dr's office, but my Dr. s office didn't note that the FMLA was faxed in my chart. Rep with Unum never called me of the issue until she stopped my benefits.

I was denied my long term disability after receiving it for about 7 months. I was diagnosed with MS and paralysis as long as a lot of other conditions that I will not go into. They sent someone to observe me and saw me cleaning up dog poop with a pooper scooper and carrying my granddaughter to the car. They say that I am able to go back to work even though I lie in bed most days. They had two neurologist evaluate my claim and even though my doctor has me off on restrictions and I will eventually getting permanent disability they still declined it. Just terrible.

Received a refill in the mail for something I never signed up for mail order. They insisted we'd been receiving it since January, which we hadn't. Rep insisted upon it. Then I asked to speak to Supervisor (someone named Debra) who again insisted we have been receiving it then basically accused me of lying that the post office is never wrong, but we are. They would not process a refund or take the medication back and basically said "file a grievance and good luck with that". I can see why they have such a horrible reputation. Incompetence is astounding coupled with poor customer service skills reading from a horrible script. My company is shopping for a new health care provider and this just sealed the deal for me.

My case worker Lynn ** is unprofessional and unhelpful. I was in an accident 12/07/2015. My neck was injured had major surgery on c1 to c7 vertebrata and she wants to know my restrictions. My doctor and I have given them everything they want and it still not enough. I am getting a lawyer to help me. I have paid for temporary disability just in case something like this happened and when it did they give you a harder time and more stress than the actual accident itself.

I bought long term care insurance since 2008 for me and my wife as $360/year (Long term care coverage: Monthly max.facility = $2000, Assisted living Facility = $1200, Total Home care = $1000), by 2014 increased to $456/year, by Jan. 2015 to $570, by Jul. 2016 to $686/yr. Below is copied exactly statement from insurance letter for understanding why increase and how it trick.

DX with late stage lyme disease after a cardiac arrest in 2014. Sought short term aid due to cognitive defects and pain. Denied STD after appealing. Now on SSD and Unum LTD but Unum is trying very hard to stop payments due to no progress to return to work. My symptoms are ongoing and likely to worsen. MD are stopping to communicate with them and I am expected to retrieve progress notes for them. I sign releases but records are no longer sent. I am on the verge of being denied any LTD.

Shadiest most unreasonable Insurance company you will ever deal with. Try to work with them. Make every effort to get them all the info they say they need and DOCUMENT everything. An insurance company MUST act reasonably. When they continue to be unreasonable, file a complaint with your state's Department of Insurance. Let them handle it from there. They will decide if Unum handled your claim in accordance with strict federal and state laws and regulations. Unum preys on the ignorance of the their insureds. It's a disgusting business practice that needs to be stopped immediately!!! Shame on you Unum!

I've been having issues receiving payments from Unum Insurance Company. Since 2007 they have been recouping income from me in regards to 3 payment of 1739.52 which Unum had sent. They had refused to remove the family disability, when I no longer had dependents for social security family in 2012 (Unum finally removed the 18-yr-old as receiving family income on their budget calculation). In 2009 I had lost workers comp payments. Appeal was put into the comp board and I won back payments in 2012 so comp gave me back payments for that time to 2014. I still was not receiving any payment from Unum due to a recoup, yet again Unum added an additional recoup amount to what they were already being recouping In 2007. I received the max in Social Security disability and workers comp from 2012-2014 and Unum was paying me the minimum balance of $173 which they had been recouping since 2007.

This is my third short term disability claim. Unfortunately, I'm dealing with chronic back pain, shoulder pain. Stressed with doctors bills. They are not consistent. Don't pay them.

I had a herniated disc in my neck and needed surgery in August 2015. I spoke with Unum weeks before my surgery, got all the paperwork needed, and had the claim filed before I even went out of work. When my 14-day waiting period was over, I immediately started receiving direct deposits. When my return date changed, it wasn't a problem at all and no delay in getting my deposits. They made an event that could have been very stressful, very simple and stress-free. I am so thankful that I opted into this extra coverage through my employer.

Unum is the company that my employer utilized for long/short term disability. I have been sick since July 2015 and expected to return to work. When my condition failed the thought of it a month later I called Unum. A Unum representative guaranteed me that she will be working to assist me in every way possible. I have never had an experience this horrible in my life. Every rep that I spoken with had a different way of doing things as if they don't have policies. I have spoken to Jan, Laura, Wendy and many more names that I can't remember at the moment and now as of today a supervisor named Craig. Unum is full of misleading reps who all blame everyone but themselves.

I had major back surgery in 2014 and still can't work. I had to retire early and now I get SS disability. I have had this insurance for about 30 years, and this is my only claim. I had to jump through hoops to get SS but this is stupid. The DR's and hospital have sent them everything they asked for and it's STILL not good enough! I called and asked them just what EXACTLY do they want?! Everything from 10/13/2014 to 12/2015. What really, OK! They are going to get about 300 pages and I'm leaving some out. I'm done. I'm also getting a Lawyer. This is nuts! I only get $1248 a month! I WILL NOT GET TAKEN! And neither should anyone else!

After chemo and radiation, I was feeling too sick to work and filed a claim. The representative was rude and condescending. She told me that I was just "tired" and that is not a disability. My claim was denied, but the process was so onerous that I didn't pursue it. I paid into my policy for 14 years and claimed next to nothing when I had a life-threatening illness. This is a terrible company and I suppose businesses purchase this for employees because of the low cost.

This has been the worst experience I have ever encountered from an short term disability company. I was injured in a car accident December 2015. UNUM short term disability has made it very difficult during this process. The amount of paper trail and communication is unbelievable causing so much stress. This has not helped with my recovery at all because of the burden of never knowing if I will have income on a weekly basis. As a single parent this is horrible thinking. I paid into an insurance as such to protect me and my son should some things like this ever happen, only to feel like a victim from the company that was supposed to protect us. The employee agents are so rude making me feel powerless. They expect me the physical injured to fax doctors records pertaining to my injury even after my doctors office has tried to comply with their requirements.

I have been dealing with this company for a few years on a Long Term Disability issue. The coverage was thru our union SO that's who I had to deal with. My most recent dissatisfied experience was this week when I received an email indicating a new message in my INBOX. I logged into to find a letter from UNUM indicating that back in May of 2014, a payment that was made to me was made using the wrong rate of calculation. In early 2015, they billed me for back pay I received from my employer and when I contested the amount, they had reduced the payback by $2300. In May of 2015, I sent them a copy of my new retirement amount/adjustment. So the letter I got was for the original $2300 that, according the person that called me, was calculated in error. I sent them the letter in May 2015. It is now March 2016 and on 3/28/16, they inform me that I owe them this money back.

I was permanently disabled in the line of duty in 2014, I was forced to deal with UNUM because they are the third party insurance company for my private retirement fund Colorado PERA. I started to apply in 2016 because that's when my Work Comp case was at MMI and the WC Insurance company dumped me. The first thing I noticed was that they had denied coverage immediately without even receiving all of my medical records. I had to threaten my retirement company with an early withdrawal in order to receive my entitled 12 months of STD even though I was already permanently disabled. Once the STD started, I received weekly phone calls and check ins from UNUM which were more like threats to revoke coverage. They sent me a form that demands my signature which entails my permission to "Not seek legal counsel" for my disability. I refused to sign it, but I kept it in case I go to court.

I started my short term in July 15 due to blacking out and fainting among other symptoms for unknown reasons at the time. During short term I had to fight continually for payment. I finally received my three months short term after they already sent me to long term. During the 6 months of long term I've seen many specialist and had small diagnosis and some treatments. Nothing has helped. I have low blood pressure and small nerve disease. My ANA level is showing a auto immune disease found in Jan. 16. During these 3 months I've had numerous tests come back negative until March 11 when they diagnosed the small nerve disease. They are sending me to another specialist because many of my test suggest Lupus.

Your stories explain why I have been denied by UNUM for long-term disability. I am a cancer patient who got fired from my job during my medical treatment, and of course I had to change my medical insurance, my doctors, etc. Long story short. I suffer from severe depression, horrible bone pain, and fatigue. I had a doctor's note from my primary physician who confirmed that I am not ready to back to work yet.

I had to take a short break from work to recover from complications related to HIV. They denied my request for short term disability and gave me a laundry list of made up reasons all related to supposed discrepancies on my doctor's parts. In reality, they made things up in their notes that never happened. My doctor called to correct them and they basically said they didn't care what his medical opinion is, they're denying because they can. They stated that my condition doesn't qualify. Does one need to be dead to qualify? If HIV isn't a serious illness, then what is?

Starting in November of 2014 I was on short term disability with UNUM for 26 weeks, which then went to long term. To try and make a long story short here goes... I have an autoimmune disease called Ankylosing Spondylitis, which is a disease where your white blood cells attack healthy cells for really no reason. It causes severe arthritic pain and fusing of your spinal vertebrae. I have had two back surgeries, a complete hip replacement and an atrial ablation in less than a year.

UNUM has been giving me the run-around for far too long. Then denied my coverage due to a made up reason. I have never been so disappointed to have insurance than I am after dealing with these crooks. Each time I asked a question, I got a very different response from each person I spoke with. So, either they are all ignorant morons, or they are intentionally misleading. I had Aflac, and they were awesome, they paid fast and without hassle, but these UNUM folks are a new breed of insurance scammers. This company is simply awful, and should be shut down by the federal government for falsely advertising coverage when all they give out are confusion and headaches. Please, let's all stop giving them our money.

I was hospitalized 7/2015 for a ruptured colon. I had my Doctor fax Unum my Doctor notes right away. They had my policies all messed up, they first tried telling me I had no policy, for lack of payment. My payments are withdrawn automatically from my paycheck, so my HR had to talk to them and straighten all of this out. Then they told me I had coverage for $400 a month, then they told me I had coverage for $600 a month, in reality I had coverage for $2900 a month. By the time all of this was straightened out, it was October 2015, before I received my check. I had a planned surgery for this same illness, set for 11/5/2015, being off of work through 12/28/2015. They had all my paperwork and my Doctor notes. I did receive a check, mid December, for the 1st month I was off. I still haven't received my check for the month of December I was off.

I am a retired physician living in a small town in Central Florida. I have lived and worked in this area for 30 years. I took out a disability policy 25 years ago with Unum to protect my family from financial hardship from an illness or accident that might cut my practice life short. I paid. Between $250-$300 per month for this coverage never dreaming that I might have to claim benefits due to mental illness. I fell victim to severe Bipolar Disease or Manic-Depressive Illness. This disorder initially manifested itself as bouts of severe depression but over the years the mania portion of the disease became more prominent resulting in problems with judgment, impulse control, self-medicating and social interaction.

Going through UNUM's process has nearly taken my life. The intensity, lies and length of time of being led in circles with a false promise of rehabbing and getting back on track while living in a heightened state of worry and panic has been emotionally crippling. They avoid helping you and do the minimum until you have nothing left to give.

My company has Unum for our short term disability. I had surgery on 11/2/15, approved through Unum for the surgery up until 11/30/2015. Unum is provided with all the information for release of medical information from our doctors, but they call the client while they are trying to rehab from their accident or injury. Well, I got a call stating they had not received my medical records that the request was sent on 11/23/15. I called the facility and went into medical records and told they received the request on 11/23/15 and invoice sent to Unum for payment of medical records. If Unum would pick up the phone and call the facilities to see what is needed these kind of situations would not happen.

I have had UNUM for about 17 years. During that time they miscalculated payments several times costing me thousands of dollars over an issue that I was unaware of. I was also cancelled during that time for a couple of years, when they decided on their own, without their doctors checking me out that I was able to work. Some young kid decided he could cancel it based on a medical record he did not read thoroughly. After a class action from the majority of states my case was reviewed and I was once again covered. For the past 10 years or so I get reviewed by them yearly via a questionnaire and release of medical records. No changes, won't be any changes, it's been 17 years.

Unum accident insurance plan is one of the amazing plans I've had for my family. My husband got into an accident and hurt his nose that required surgery. I filed a claim with Unum and received a check in 10 days for $1600. I filed the claim from my phone on the unum app, and submitted photos of discharge paperwork from my phone and it went through ok. I see a lot of complaints about unum, but I have none except for a great experience with them. I thank my employer for choosing unum as our primary insurance.

Please don't buy any insurance from this company, no matter what type it is. My father purchase burial insurance from them many years ago for my mom and himself. This company does not want to pay for my mom's funeral now that she's gone. They have delayed paying for so long we took out a loan to bury her.

It has been 110 days today that my husband filed for his long-term disability benefits and we still do not have a determination! This company drags their feet and seems to be in no hurry to process his claim. It's amazing how quickly they have processed taking his premium payments over the past 10 years out of his paycheck. When people are out of work, for an injury, illness, surgery etc, one would like to think that their disability insurance company would be there to help you, this is NOT the case with UNUM. This company has an average of 1 star and there is a reason for that!

UNUM is the short-term disability provider for my employer. First, I started my leave on 9/10 with my exclusion period ending on 9/16. My first check was not issued by them until 10/10 for the period through 10/8. As of 11/18, I still have not received another check for the period starting 10/9. They requested a release for my medical records, then took 3 weeks to return it to my doctor and have withheld payment during that time. Meanwhile, I called twice and was told that they had all necessary info and the delay was for them to "compute my benefit". So their customer service gave me incorrect info before finally telling me they were waiting on medical records. It was only after I threatened to report them to their regulatory agency that they finally cut me a check for 10/9-10/16 only that has apparently been sent to me, but not yet received.

Was hurt 10/01 with back injury. Unum was my employers long term disability company. Surgery was failed after four weeks. Suffer from chronic back pain now for last 14 yrs. Have many herniated discs and DEGENERATIVE DISC DISORDER and have since injury. 02 Unum denied me. Said their nurses said I was able to work even though all my doctors and all of Ohios Workers Comp doctors said I was Totally and Permanently Disabled, Settled my claim, and sent me on my way.

I have filed all the correct paperwork, followed up as often as I could when provided new information, and I continue to have issues with this company. They informed me when I first filled out the paperwork at the beginning of my pregnancy that I would be getting 12 weeks of PAID maternity leave, only to be informed 2 days before I gave birth that I only would receive 6 weeks of paid maternity leave unless I had a medical reason to not go back to work. If I had a medical reason to be off for the additional 6 weeks, they would continue to pay me. I asked them why they told me I would get 12 weeks paid leave to begin with, and they told me that that's what they tell everyone to make it easier to explain.

I thought I was in this all alone until I found these reviews. I too am on the roller coaster ride with them. I went two months before I received my benefit, in which I deserved. Now it has been six weeks this time and I am still waiting. I have been unable buy medicines that I desperately need. The very people that have accepted the responsibility to care for my well-being are the ones that are responsible for a good deal for my failing health. They need to be held accountable questionable business practices.

I am a teacher who has taught for 28 years and has multiple disabilities. In January 2015 I had the flu and did not recover physically. I continued to teach for the remainder of the school year but suffered with extreme fatigue, increased pain from osteoarthritis and fibromyalgia. I did not return to school the next school year and my doctor concurred that I am disabled. Unum has harassed my doctors, requesting numerous reports over and over again. My claim was denied and my appeal was denied. In the denial letter they made claims that were just not true. I requested that they send me to their doctor for an evaluation. This did not seem to be an option.

I was in the hospital for 2 weeks, 3 days in the ICU, due to brain swelling and a major cerebellar stroke. Right around the 4 months off work mark, I started getting harassed non-stop by this kid out of college who "represented Unum" up in Maine. He insisted I was fine enough to go back to work (never mind that my artery was still broken, and I risked another stroke or death). He called daily, was rude, kept insisting he (at age 23) knew enough about my condition, that he could tell I was fine. This was despite all doctors (neurologists, primary care, etc) insisting I stay off work to rest and recover. It is an evil insurance company. I was able to take another month off, turn fought with my doctors to go back to work. They relented reluctantly. I was tired of being harassed by UNUM. Looking back, I was nowhere near ready. I couldn't even divide 33/11 back then.

I have been waiting for approval since September 18, 2015. Surely all doctors are not going to say they are recommending me for short term disability. The primary doctor who recommended the short disability sent the necessary documents, but of course all doctors were asked for their recommendations. The purpose of a specialist is for that particular doctor to become well versed on their specialty area and the treatments for their patients. In my opinion, this company has no intention of doing what's best for their clients. The waiting period is way too long and I'm not satisfied with the service or their harassment. Please contact me.

My husband was diagnosed with stage 4 cancer in May 2015. Applied for short term disability, provided all the correct paperwork, received ONE check and then UNUM denied him for anymore. He has been out of work for 5 weeks and will be out for longer due to multiple surgeries, chemotherapy, and doctor appointments.

I injured my back. I have chronic pain. I am unable to sit for extended periods of time and that is what my job requires me to have to do. I applied for long term disability in July. They knew that my short-term disability was concluding in the beginning of September yet waited until the end of September to even begin requesting information from my physicians. They are saying that I am capable of sitting in a chair all day at work when I am not capable of doing that and I will be fired for not being able to keep up with productivity.

Overpayment of my STD when I had my foot operated on 6/18/15. Why is it MY responsibility to know if there is an error in my payment? My sole purpose was to heal. I haven't had a payment since 8/11 and still waiting to "pay back" to UNUM what I owe them! It has been one angry email after another. My current rep won't even give me her extension number even though others have which I think is wrong.

I lost pay for over two week due to an unknowledgeable or under-trained specialist. She never calls the medical facility for reports. Neither does she contact the client to let them she hasn't received reports from a doctor or medical facility. She lets time go by and then you don't get. I got calls from my H.R. Dept. to inform me that Unum isn't paying me due to no medical info. I made sure the specialist dealt directly with the medical facility. After calling the medical facility I find out she already had the proper info needed and never contacted them. I had to play middle man the whole time. I'm in rehab and therapy. When does Unum make their employees work. Why am I running around making calls they should be on top of... We the consumers suffer constantly due to people and companies like this.

I filed my LTD claim with UNUM in June of 2009, as I was facing another back surgery(#4)! The 2nd and 3rd left me with severe nerve damage to left side and increasing pain on right. I was informed by Unum in 2011 to file for SSID. I did and was retroactively paid in which UNUM wanted repaid for their overpay. I now pay 185 mo. Every 3 years they try to find a way to end the benefits. They have sent investigators, sent me to doctors, and sent an investigator to my home to take pics.

All I have to say is that Unum has caused me so much stress that I regret having surgery. They have threatened not to pay my benefits every 2 weeks. I was injured at work and was not my fault but I continue to worry more about survival than recovering. I am a divorced mother of three and the constant worry that they have put me through is unfair and I feel beyond harassment. I just checked for this week's deposit and I only got half. Why??? My children depends on me. I need a lawyer.

My husband was diagnosed in March 2015 with CHF with less than 10% ejection rate. The Dr. told him at that time he needed to quit, however he is of the generation that keeps on working as he has a family to support, etc. He immediately cut back on things so that he could still manage working. We were waiting for the meds to take hold and see where things were at in 3 months. The Dr. was hoping for major improvement. Well 3 months came and new tests with not good results so again the Dr. told him to quit his job. At this time we decided that he should do just that. His employer suggested he start a paperwork for short term disability to get us through until we could figure things out. Well all the paperwork went in and he was denied. Funny, he wasn't going to be approved regardless from Unum.

Back in 1999 I had benefits with UNUM through my employer. In June of that year I had a lengthy abdominal surgery. After 8 weeks I returned to work but had some unforeseen complications & had to have surgery again approx. 10 weeks later. My employer was self-insured so I received weekly checks the entire time without any problem. After the 2nd surgery I was unable to return to work due to nerve damage & chronic pain. In the beginning Unum claimed I had a pre-existing condition & had to wait 6 mos. before I would receive any benefits. Thankfully my hubby was working & even with the waiting period we were able to make do as best we could. In the meantime I applied for & was denied by SSI.

My family is in the process of filing a claim for our parent who is currently in assisted living. What a logistic nightmare! Very poor customer service as you cannot speak to your benefits' specialist after multiple phone calls. Two months have passed and still no word whether our parent's claim will be accepted. Such a shame to pay premiums all these years for what? It appears that most of the reviews about Unum are very negative. Why in the world won't the insurance regulatory systems do something about this inadequate company? It's a scam and a sham. And it's the hardworking people who suffer who paid all this money for poor service and refusal to pay claims. Unum CEO's, pay heed and for God's sake, do something!

I had the worst experience with Unum. That 60 percent of your wage when you qualify for short term disability is not true and they need so much paperwork from the doctors it's crazy. Seems like they don't want to give your money. I make about 490 a week when I'm working and I was only getting 116 from Unum when I was in surgery and it takes like 2 weeks before you get a check.

I was diagnosed with congestive heart failure and my heart is only pumping at 20 percent... in filing my claim I was denied and also my appeal was denied. I was told when I signed up for this if I got sick this policy would be paid. It is a 20,000.00 lump sum. I was never sent a policy and they have told me that this is not considered major organ failure as two of my organs would have to be failing and I would have to be on a transplant list to qualify... This is not what the rep told me at all. I took this policy out to protect my husband's future as he has health issues. My condition was brought on by stress from my husband's health issues, demands of my job, my father becoming ill and I became his caretaker while on FMLA and he died. I took this policy in good faith not thinking at 55 years of age I would be in this poor of health. They have deceived me.

I was recently diagnose pulmonary embolism and nearly cost my life. I been paying Unum for past 3 yrs 177.90 month. Well I been home for a month now and all I'm getting is the run around. I could receive a check any minute. We expedited the claim and my bills are in a pile. Don't know who else to talk to. I'm tired, I'm weak and don't have the energy to fight. Soon I'm going on my second month and nothing yet. I'll be out of work till October and really don't know what I'm going to do with my monthly expensive and cost of living.

I have been off work since June 11, 2015. Was approved on June 24, 2015 that was 13 days. The group policy for that my employer offered waiting period of 7 days. Got about three checks. Now they are saying they didn't have enough medical information. Why has Unum waited till August 10, 2015 that they need more information. When you're trying to get well and all you're doing is collecting information. Stress is not good for Reflex Sympathetic Dystrophy (RSD). I am now stressed all day long & night. I believe that we all can make complaints to the National Insurance Board & State Insurance Board. Also maybe they would do something about Unum. This is wrong when you're ill to constantly be stressed financially & physically.

I have been out of work since December of 2014. I have not received any pay from my employer since February. I was contacted by my employer who told me to apply for UNUM disability when I was told by my doctors that I would not be returning to work. I did so the first of MAY. I was told I would have a answer in 45 days. In 45 days I was told that UNUM needed more time to decide. I provided UNUM additional paperwork and so did my doctors. I have paid in to this disability insurance for 22 years and have yet to receive a decision from them and it is nearly Aug. I received a letter dated July 23 stating UNUM needed another 30 days. I have since gotten approval for a early disability retirement for my pension. Unum was supposed to be there for me to fill in the blanks financially until that occurred. So much for UNUM being there to pay the bills while that took place.

I had surgery so they paid for my short term disability. In the process of applying I ask the main representative twice if I could apply for state disability also. The answer for both time are "go ahead." This is separated for EDD. NO MENTIONING ABOUT DEDUCTING the money from EDD whatsoever! Now they send a letter saying that they need to take the money back because of the overpayment. I mean I was out for surgery and had to support my whole family. How on earth do I have to money to pay them back now?! This is their fault not looking into the policy (which I asked so many times and they said they cannot mail a copy to me?! WTF?). I have contacted some attorney to see what they can do!

I recently filed a claim with UNUM. Last year I had a breakdown at work due to stress and have not return to work per doctor orders. UNUM keep pushing back paperwork and have not make a decision as of today, the word decision in my life to purchase this insurance.

This company has denied my wife her legitimate short term disability claim, even after letters from board certified doctors/surgeons have written many letters and sent faxes stating that she was unable to work after her surgery for six weeks because of her lifting restrictions. Because of their "Shady" at best claim handling we had to take out two title loans on our cars to stop foreclosure on our house. Consumers, please beware of this company if they offer you any type of disability insurance at your employment!

My neurologist has not released me back to work. Even though this is the case, UNUM refuses to extend my Short Term Disability. While recovering from a stroke, I have to go back and forth with them answering questions just to get my disability payout. So now I am SOL!! I can't work and they're refusing to extend my payout!

So far UNUM has been outstanding. Submitted claim on Monday. Payment approved and in the mail by Thursday. Very efficient, took the stress and worry away.

I received a zero benefit this month due to their 'lost' mail and incorrect interpretation of my insurance policy. And, but of course, the run-around. However, I am familiar with their evil business practices and will prevail. (It is a blessing to be able to skip benefit payments without too much financial burden though it takes a toll on my already fragile health.) I will keep Consumer Affairs posted.

I was severely injured as a nurse at my job in 2013. I injured my neck lifting patients. I followed all the protocols that my company required and saw a doctor as soon as I needed to. I was diagnosed by several docs that my condition was going to be permanent. I would never be able to go back to my job, or any job that was similar.

I was injured while working for my current employer, hernia, I required surgery. Contacted HR to start the process to use my short term disability "benefits". Filled out all necessary paperwork. Had surgery, doctor explains that this will take 8-10 weeks to recover or risk re-injury. Surgery was May 5, 2015. Return Date is July 6, 2015. I get my first letter from Unum saying they will pay till June 2, 2015. I call explaining that I will not be returning until July 6. They say they need more documentation from my doctor. My doctor responds with my restrictions - no pushing, pulling, lifting anything over 8 lbs., and not to stand for longer than 2 hours. Not to return until July 6.

I was seriously injured on 12/24/2013. UNUM has done nothing but go out of their way to do everything they possibly can to not help me as they are supposed to. I meet their requirements exactly but every time I do exactly what they ask, they create another way to not help me. I am also deaf and they in no way are considerate of this. UNUM is inhumane. I'm embarrassed to live in a country that allows a company like this to mistreat someone as poorly and inconsiderately as they have treated me. ** runs UNUM's scam to the T. Why would a company as huge as COSTCO contract someone as dishonest as UNUM. What does that say about Costco?

I worked for a company based out of Massachusetts. My job and residence is in New York. I paid for short term disability to Unum out of my paycheck from my employer. My left knee failed and I had to have a total knee replacement and it ended my career. I am now on SSD. I had enough time to collect $600 per week for 13 weeks from Unum. Totaling $7800. They acknowledged that. When Unum sent for my medical file from my doctor, they focused in that I was prescribed the drug piroxicam. It is an anti-inflammatory. They said I was treated for the knee before and denied my claim due to a pre-existing condition. Such was not the case and I refuted that fact by submitting the evidence from my file that the medicine was prescribed years previous to relieve discomfort in my neck, shoulder and upper back. Unum still refused to pay the claim.

My mother is 93 and paid Unum's exorbitant premiums for at least two decades and is only now using their coverage for part-time caregivers. The contract speaks to how they compute the daily coverage rate but is silent on whether there is a maximum no. of days per month for which they will pay. They are refusing to pay for any addition day of coverage resulting from 31-day months. I have spoken to various claims people and supervisors and have more recently tried to speak to their legal department (or law firms). All I get is "you have no authority to contact them." They even refuse to give an address. If anyone has any ideas, short of filing a legal complaint, I'd welcome it. Thank you.

I was in a car accident 8 weeks ago. My doctor has request that I go on short term disability. I have contacted Unum 30 different times according to my account which I have been paying into my STD for the last 2 years. One day when I call they would say that they received all of the needed information and that it takes up to 5 days to process. So now that the five days are up they're requesting more updated information and I have been going back and forth with them about this. I also have a FMLA claim for this same issue and that has been going just the same. It still hasn't been approved so now my job may be in jeopardy because Unum will not process my information. There is also 1 of my co-workers out due to medical reasons and has been denied for STD because UNUM said they never received information from their doctor. This is nonsense. I am unable to pay the rest of my benefits because I haven't received anything for Unum. Unbelievable.

I had surgery on April 20th and had submitted all paperwork to Unum. They proceeded to send me letters stating I had not turned in all of the paperwork. When I called, I was told, yes they had everything they needed. They failed to send my company the approval in a timely manner, resulting in my not getting paid on time. They then sent another letter in error and when I called they said there was a letter correcting the error in the mail and the check (incorrect amount) they sent was in error and they were stopping payment on it as I would get paid through my employer. My employer thankfully is sending the correct check FedEx. I have never experienced such incompetence in my life. I would give them minus stars if there was such a thing.

Denied benefits after became disabled by Epilepsy, which was diagnosed 2 years after I began to pay into Unum. Unum said it was because I failed to disclose every symptom for any condition, for which I DID NOT seek medical treatment. This is so broad that it includes the hangnail I had 9 years ago, for which I DID NOT seek medical treatment!

I have had AFIB since 2011, I hired on with my current employer last June. In November of 2014 I was out for a week with heart surgery and getting a pacemaker installed, I was denied because I was not out long enough. Feb of 2015 I had shoulder surgery for an on the job accident that had happened with my previous employer. I was out for three weeks and came back to work early at the behest of my boss. It has been two months and they still have not made a decision as to whether I will receive disability or not. When I call there the computer takes your information and sends you through a phone tree. The last message says to check back frequently and hangs up on you! Not exactly the courtesy I deserve. They have no problem taking my money every week!

I filed the STD claim 5 days ago and made sure all documentation needed was given to my employer and MD prior to surgery and I was approved without any issues at all. I'm pleased with Unum and would recommend them to everyone I know. I'm impressed with the service and the ease of sending and uploading documentation online.

I had surgery and the normal recovery is six weeks per my doctor's orders. I was receiving short term state disability and Unum as a supplement to cover the difference. The state and my employer approved the six weeks, and Unum only approved four weeks. Unum said that I should be able to return to work after four weeks. How does an insurance company determine when a patient should return to work? Obviously, Unum is looking at it from a financial aspect and not concerned with the patient's well-being. The payout from Unum was not a substantial amount of money in my case. They are penny-pinching and their tactics are deplorable. My doctor provided medical records which they said they never received so the doctor provided them again. Unum said they had their doctor and nurse review the records and determined that I should be able to return to work. Doctors on Unum's payroll looking out for their bottom line.

I applied in January for my short term disability benefits. I have had two back surgeries four months apart, I have had a shoulder reconstruction and both knees have djd. I am on anxiety medication and anti-depressants due to the pain and health issues among heart problems. I applied for Short Term disability the first week of January. Unum has all my records. They still have not made a determination. I also applied for SSI at the same time knowing my physicians advised me that I will not be able to work again. Unum and SSI have had all of the exact same records and all of my five physicians, SSI had even a larger list. SSI I have already received a determination form and will be appealing, which is standard the first time as they only approve a few. Unum on the other hand has still not sent out a determination. This is for Short Term Disability and it is ridiculous. It is almost three full months, they have all the paperwork, and nothing.

UNUM stopped paying on my approved disability claim after 8 years without justification. When I received SSDI benefits, they turned around and stopped paying my claim. They said I could return to my normal occupation. (What a joke).

I know a person who has been waiting 13 weeks and Unum still has not answered if they qualify. They are being seen by 2 neurosurgeons. Unum says they had no right to tell them to stay home. I guess they are smarter than 2 doctors. I wonder exactly how many disability claims are being paid out each year in comparison to how many policies are paid for as well as applied for. My guess would be less than 10 percent. When they can't find a reason to turn down the claim, they ask for more doctors who may have seen them years before. If still not able to find a reason, they request more. Do yourself a favor. Take the money you spend every year for this joke of an insurance and put it in a simple interest account. Chances are much greater for your survival. Better yet, set the money on fire.You will still have more.

I was denied an accelerated death benefit claim, long term disability claim, and waiver of premiums claim. The accelerated death benefit was a toss-up, but this claim was denied. The long term disability was denied due to a pre-existing condition, but I had no pre-existing condition. My waiver of premiums were denied even though the policy stated that they would be waived.

A person from UNUM came to my job in 2009 (I was working for the City Of Los Angeles). I purchased The Long Term Care Policy. This cost $66.00 a month that comes out of my paycheck/now pension. I asked questions about this policy for I had to take care of my husband dying of hep C. He could no longer take care of himself, and knowing him for 49 years I was not going to place him in a home. (I took 16 months off from work to care for him).

We were on vacation for one month in November 2014 and upon return, never received our dividend check. Called Unum and was told that they would do research and to call back in one week. Called back one week later and was told that they confirmed the dividend check was never cashed and will put a stop-payment on it and will send out a new check. One week later, I was told that they were working on it and to call back in another week. Same story, except this time they said that it would take 5-7 business days to process it. Told them that it's been 13 business since last call. I was told that it takes time. It's been another week and still no replacement check. It's been two months since first contact. Looking at all the other reviews with just one-star, I guess I cannot expect anything better.

Just had a hip replacement two weeks ago. Follow up with doctor yesterday revealed that all is well and I should return to work on target for March 2, 2015, six weeks after surgery. Unum tells me that because I sit at a computer (which is not all I do), I could have returned to work seven days after surgery. They will, however, approve me to be off until February 17, 2015, which is, coincidentally, the day before my STD should kick in. I filed a claim for only TWO weeks of STD, and got turned down. After all the years of paying, do I follow the doctor's orders or UNUM? Ms. Cherie at unum doesn't have a medical degree so the answer is simple, bit I do feel scammed.

I had a policy with a previous employer. The policy would pay for itself with the cash value. Once the cash value ran out, I paid the premium by check or money order. I received a letter stating that the policy would be cancelled due to non-receipt of the premium. I had mailed the premium payment on time, however Unum claimed to have not received it. I was told since I had called, the Policy department would need to send me a letter for reinstatement. I expressed that I was concerned because letters take a while and by the time they sent me the letter and I returned it, my policy may lapse. I was told that since I was still in the grace period all should be fine. After two more calls I finally received a letter. Asking for 4 months of premiums.

I thought this would be a good option for me down the road. I applied and rec'd a ludicrous excuse from their underwriting department for non-acceptance. I had an ankle surgery 15 years ago for a broken ligament repair and it hasn't bothered me since. I have tinnitus 10% from being in the military for 20 plus years. So I was denied for these reasons. This company is the worst one I have ever dealt with. Typical insurance company only accept someone if they are in perfect condition and think they will get enough premium out of them before they cancel you for using their service when you do need them. I wouldn't recommend this company to anyone... buyer beware, just read the other comments...

I am currently on maternity leave. Unum only agreed to pay me for Five weeks of short term disability even though I had a complicated pregnancy/labor and ended up having to have an emergency cesarean section after 19.5 hours of labor. I am physically unable to work for 8 weeks due to the complicated delivery. On top of that, my checks are now three weeks behind. The first two got sent to my correct address. Somehow the address got sent to a previous address. I have called for weeks trying to get answers and no one knew anything. I finally found out today that they made a mistake and changed my address back to a previous address. No one can explain to me how that happened.

I applied for Unum disability and started receiving long-term payments as of January 2012 through January 2014. Was cut off due to self-reported illness, I have fibromyalgia. I had worked 18 years with same company. I WAS TOLD BY UNUM I would only receive 24 months of payments from the beginning. After all the ** they put me through when I received paper work regarding an appeal I had had enough and did nothing. Well it took years before I finally received social security. Now of course they want the back pay, started to receive payments in November 20th. In the meantime I had to collect my pension early to have money coming in due to the fact they left me high and dry. I did not send any info regarding ss I received but I just checked and my pension was not deposited, so I am sure it is being taken out by Unum. I absolutely wished I would have seen this site earlier - things would have turned out much different. I would love to write to whomever I need to because I want to tell someone or anyone about what a nightmare this company is!

I had heart surgery in 2010 and along with the poison I was forced to take it left me with severe back and leg pain that started the week after the surgery. The type of pain is like flu pain, lower joints and muscles. I am currently on a pain management med. It's been 5 months. They have been working on this claim but zero on both of them. The shoulder keeps me up all night, but I guess UNUM thinks you can work with no sleep for 4 month. Tuesday Nov. 8 I am going to see a shoulder specialist for an MRI. I have way too much pain for 8 weeks after the injury.

In April of 2014 my husband had knee surgery and thru his job he pays for Unum short term disability. He gets paid weekly so when we received two checks of about 700.00 we assumed they were weekly pay. Oh no! We owe them 1000.00 because they overpaid him. Well no one told us. I set up 50.00 month payments long as they send me a statement and self address and stamped envelope. They done it 2 months and have stopped. I'm calling an atty for advice.

After being in excruciating pain for 2 months, I was no longer able to work. My doctor's office sent the paperwork requested by Unum and I was approved for 1 week of disability pay even though I had already been out of work for 1 month. Two weeks later, I decided to see another doctor because the pain continued to get worse. My new doctor did a more comprehensive workup and located the source of my pain and decided that I needed extensive surgery and would need to bring in two additional surgeons to help with the procedure. This new doctor sent the paperwork to Unum the day after my first visit saying I needed to be off until surgery and then 4-6 weeks afterwards.

I stopped working as of 9/29/2014, pending knee surgery. Unfortunately, I did not receive my first check until ending of October. Reasons to follow:

Hospital and myself sent required paperwork to them twice. And today Nov 12, 2014, I received a letter from Unum stating they did not get paperwork and I have until Dec 6, 2014 to send them to required paperwork from hospital or they will make a review without doctors reviews. This is the exact same letter I got last month. My wife and I called and they said they have to send $75.00 for paperwork from hospital. We followed up a week later and they said they had paperwork. Letter dated 6 Nov says they don't have paperwork. Follow up with hospital they said all paperwork was sent. First, Unum sent me a bunch of paperwork about fraud, then about pre-existing conditions and now they keep saying they did not get paperwork from hospital. I never had any pre-existing heart problems at all before my heart attack.

To be fair to UNUM, I have to say, I had them through my employer for years (actually, still do), and when I became extremely ill (renal failure, needed transplant) they did actually pay. It was a lengthy application process, and they asked 1000 questions. I had to do a lot of work, but I am not sure it was more work than for any other insurance company, not having anything to compare to. It was less work for sure than SSDI, and they made the determination and paid faster.

This may seem strange as this complaint is old (from 2006) but I felt it was necessary to share my horrific experience with UNUM Provident so others could learn from it. UNUM uses a "trick" to end your long term disability which if you don't read the fine print of your contract, you may be on the short end of it. With long term physical disability can easily come mental issues (depression). It happened to me as it does to many people. When I started to see a psychiatrist, my claim entered a "mental and nervous" definition area under UNUM's contract which had a 2 year coverage limit. I had REAL health issues, haven't worked since then and am on SSI disability which I got on my own on the second try WITHOUT an attorney. Needless to say I was and am sick.

Calling to check on me. Always same questions. Always telling me I should be able to go to work. They have no clue how sick someone is. Telling me I will be cut off my long term that I paid for through work. Every time I speak to them I feel very stressed.

In 2001 I was a witnessed the most cold blooded murder in American history. I worked till 2004. I contacted Unum in 2004 as I was suffering with acute pass - confirmed by numerous physicians. Additionally I was diagnosed with fibromyalgia. Unum paid the claim for 12 months and after an appeal (they stalled), they closed the claim as they said it was a mental illness. In 2006 I was diagnosed with MSA a terminal illness that after numerous 2nd opinions, I was diagnosed with Parkinson’s disease. I contacted Unum and they were not only non-empathetic, they would not even talk to me saying the case had been closed. After all that I finally found an attorney that will take my case as it is an ERISA case, maybe my grandchildren will benefit.

I have Unum for LTD and came across something I felt was very unfair to all their clients. I was out 4 months for rotator cuff surgery. Only one month was LTD, the payment was based on my w2 box 1 information for the prior year. I am 60 so 40% of my income for years has gone into a 401K. Unum pays 60% of my "wages" for LTD, however the policy where I work which I never saw until now, states 401K deductions don't apply. This means they only consider 60% of my actual wages and do the 60% LTD off of that figure, so 60% of 60%. I couldn't find any info but it seemed illegal to me.

Having been in the insurance business for 29 years and now needing the disability that I paid for and signed a contract for because of the diagnosis of cancer and radiation treatments in order to have the best chance of living, I have found out why there has been so many complaints and regulatory actions against them. One piece of advice I can give anyone who has had purchased UNUM disability on their own or your company has purchased it for a group the one way to fight back is writing a letter to the editor in your local newspaper stating the facts and the truth for business owners and other people in your area to read. This will have an impact on brokers who sell Unum, business owners who might buy Unum as a benefit and individuals who might buy it for themselves. Nothing like the truth about a bad product or company to affect the bottom line.

I have multiple spine/back issues that have left me fully disabled for over 10 years. They include multi-level degenerative disks, herniations, spinal stenosis, osteoporosis, and 6 vertebrae fractures that healed poorly. I knew that patience was going to be needed as the process of my LTD claim with Unum got going. Yes, there are goldbrickers out there that make it difficult for honest people, so I played the game and did what I was instructed. Eventually, my claim was approved over a decade ago with the foreknowledge that even after 2 surgical procedures, 30 epidural steroid injections, 3 intra-disk injections and more physical therapy than the whole NFL, my condition would continue to deteriorate.

I pay premiums to keep myself and family safe. When I was injured, Unum played a word war with my policy. When any one word was out of place, the investigation was stopped. When the situation was handled it would return to active status until another word would be found to be misspelled or inaccurate at which time investigation would be inactive until that was solved. It repeated itself for months on end. Unum would look for every reason possible to not pay a claim. How these people live with themselves is beyond me. I hope at some point, either one of their employees are a family provider for one of people that handled my case has an injury or death and has to suffer the humiliation I was subjected to. If you have a policy with Unum, do you and your family a huge favor and look elsewhere for insurance.

I've lost count on how many times Unum has contacted me - contact included day of surgery, two days after surgery. Today I was called and had to wait on hold when I returned the call. I was asked if my return to work day was the day they provided - I said yes, I'll just use vacation time for the rest of my needed time off. I want to recuperate without the hassle.

Had a hysterectomy. My doctor said that I could return to work 6 weeks post op with a 10lb lifting restriction. She also informed me that I would have this restriction for 3 months. My employer informed me that I couldn't return to work with any restrictions, being that I'm a physical therapist assistance, there would be nothing for me to do and I would definitely have to lift more than 10lbs. Unum refused to approve my claim. Not only did they refuse, my doctor had to fax forms to them several times before they processed the claim because they said they never got them. Come to find out, the papers were scanned into the wrong claim. I've had nothing but a complete bad experience with them. They have caused so much stress that I had to be put on medication for depression. Not how you help someone who's just had surgery and is in pain.

I signed up for benefits through my employer. I signed up for the standard plus plan. Unum does not respond on time, does not pay on time. I gave them permission to obtain ALL the paperwork necessary for them to do their job, and I still have to recover and send them (pay out of my pocket exp) the information. Now I am receiving retaliation response because I turned them into my benefits main office and they were investigated.

My doctor took me off of work for medical leave on 8/2/14. Two weeks before I knew that I was going to be off, I contacted UNUM to get the proper documentation that needed to be filled out in order to approve my leave. My doctor filled out all of the forms and I faxed them to UNUM. After about 10 days, they decide to say that they need additional documentation from my doctor (but never contacted me to let me know. I only found out when I called to check the status). I had my doctor send them the information that they needed. After another 15 days, it was almost time for me to go back to work. They stated that they have up to 14 business days to make a decision. With all of this, I was off of work for a whole 3 weeks with NO pay and was almost a month behind on all of my bills. Today is the last day that they have to make a decision (the 14th day) and when I called they said that they are "actively working on a decision as we speak". I will definitely be filing a complaint once the decision is made.

I was granted std and then ltd through Unum after many harassing phone calls, repeated monthly requests and I mean every month from my doctors stating why I could not continue working at my medical transcription job. They even had to go as far as stating patient (me) could not perform fine finger movements nor sit for longer than a half hour at a time. Because of all the harassment I found myself completely depressed with little to no motivation. They never payed on time, waited months in between checks during the std phase given the explanation that my case was being reviewed. What a joke of a company.

Been waiting 4 weeks for a answer on my claim. Their customer service stinks, gives every excuse why the claim hasn't been decided. Saying they haven't received documents stating it takes 24 hours to receive a fax. Contacted Aramark Benefits dept on this issue. They are no help - will contact CEO of Aramark to advise that this company they hired for our disability issues are a scam.

They are ONLY in business to MAKE money, not pay it out in claims. If you make one simple mistake on your forms they will throw it out, wasting a huge amount of time. They also harass you frequently after you are approved, making you and all your Doctors fill out tons of paperwork while they keep you stressed out that you are being cut off. Endless reviews, searching for anything they can use against you to stop the payments. And they are very cold about paying. The pay date is supposed to be the 21st. Last Christmas they wired it on the 28th, so I was broke at Christmas!! Most companies would have thought about that and made sure the payments were sent on time. If you need to make any claim with this ruthless company, you MUST hire an attorney or you will get nowhere. My attorney could not believe some of the things they tried to get out of paying. But he got it straightened out, and is still watching them during their reviews.

My husband paid into his policy through his employer for 20 years. He was always told his policy would remain in effect as long as he paid the policy on his own which he faithfully did. He spoke to Unum while filling out the form and no health questions were asked and no other policy options given. He received a letter saying he was approved and coverage was in effect. He passed away 12 weeks short of paying the policy on his own for two years. Now they say they can only pay on what would have been a whole life amount. This company is horrible and does whatever they can to not honor a claim. Don't use this company.

I paid into UNUM for years. I am a teacher and became disabled. I have SLE Lupus and was hospitalized 3 times in 3 months with complications. I was expecting to receive my disability payments from UNUM, after all I paid my own personal money for this private insurance, to cover myself if something like this happened to me. However, UNUM was less than helpful! They would not approve my claim (I was shocked - I spent weeks in the hospital). I provided all documents, with tracking numbers, and UNUM still claimed that they did not receive my information. I would NEVER pay into UNUM! I would pass this along to everyone you know - tell them to save their money and not blow it on this fake policy!

On 6-4-2014, I went to the hospital for an angiogram. I had complications from internal bleeding that left me in the hospital for 5 days, and unable to work for almost 2 months. Unum denied my claim as they said my drs. notes weren't specific enough. Then when I gave them what they specifically asked for, they still denied me saying it didn't match, and their drs said there was no reason I couldn't go back to work.