Unum Insurance Company Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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.