Unum Insurance Company Reviews

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.

Unum administers my company's FMLA, STD, and Cancer insurance. I was diagnosed with FIGO, Grade 3, Clear Cell Uterine Cancer, as a result of the genetic disease Lynch Syndrome in February and referred to the Mayo Clinic in Rochester. Unum started harassing me within 2 weeks of requesting FMLA. The paperwork that they wanted was never sufficient for them. They wanted my team of doctors to tell them when I would be back to work when I had not even started radiation treatments. The first 90K bill I sent to Unum, they paid $865. When I phone the woman could not pronounce the word Mayo and explained the they would pay only on my CT scan since a sonography is not the same as an ultrasound. They did not pay of the full surgical benefits stated that they do not pay on frozen surgical units. As a patient with Lynch Syndrome, the units must be frozen for testing.

I was rear ended on the highway in March. At the time I was working FT and I was getting ready to purchase a deli. I filed a claim at my FT job and started receiving STD payments. Two weeks ago Unum sent a letter to my company saying they closed my claim because my doctor did not send them the necessary records. I called Unum and found out they were calling a wrong number for my doctor. I tried to give the woman the right number, but she seemed like she could care less. She kept saying I never signed a release form with them to contact my doctor so it wasn't up to them to get the records anyway... Well then why were they trying to call her in the first place?

My husband has been out of work for almost 2 months and has only received 1 weeks pay. Now they are saying that they need his medical records which the doctor has since twice and they are still saying they haven't received and we even got confirmation from his doctor that they have sent them not one time but two. Worst insurance company ever.

I had severe back pain that was causing me not to be able to work without being in excruciating pain at my desk. My doctor referred me to a pain specialist who decided I needed surgery. My doctors wrote a short term disability order for the treatment time. From the beginning, Unum's representatives started calling me at home when I was trying to recover from my procedure, saying they had not received the proper medical records from my doctors. Of course, I was shocked since all my doctors told me they had repeatedly sent the records over and over since they kept getting fax requests from Unum saying they needed records and had not received any. Then, one day, the Unum rep Shannen called to inform me my claim had been closed because of a lack of documentation - even though all my doctors told me they had sent them.

After about 7 years of them deducting premium payments from my paycheck, my wife's small ten thousand dollar policy was terminated when my company laid us off. Their reply was I checked the wrong box saying leave of absence instead of laid off and they are very much aware that my wife had chemo and radiation and she is dying with cancer.

I have been getting paid by UNUM on and off for several years until about 10 months ago. They decided to try yet another ploy to avoid paying my awarded benefit. They claim I should be getting most of my disability from the Social Security Administration and have estimated and are withholding over 60% of my income. Apparently, UNUM is in the habit of forcing everyone without exception to apply for SS even if they know it a temporary benefit or that SS will deny the application. I was forced to apply for SS and was denied in writing. I sent that letter to UNUM over a month ago and have yet to receive any response. UNUM is already in a class action suit by SS. What do we have to do to make these people act appropriately under the LAW? AVOID UNUM!!!! At ALL COSTS.

Hurt on the job almost 5 months ago, have disability policy with Unum. I paid this for 18 years. Now when I need them they give me the run around. All doctor paper filled out, w2 sent every week, they ask for something else that makes no sense. Now they want to know if I have any life insurance. I asked what does that have to do with this. Had it with them. Don't use this company.

I have contacted them on SEVERAL occasions about paying out a life insurance claim and all I am getting is, "IT'S UNDER REVIEW - THEY WILL SEND YOU A LETTER WHEN THEY DECIDE." What is there to decide? He passed away and the benefits are owed to the beneficiary.

My experience with all insurance is you make a payment every month, then you are supposed to be covered minus a deductible. I have never experienced anything like this. Basically, I have to pay everything back to them. I am in review with them now. I am getting pressured to get my medical records for them and they must be received before the end of the week or they are going to complete my review without all my records. I can't make my doctors go faster. I have called all of my doctors 2 times now. I am so confused. In short, I am now on social security and still owe Unum $6000.00. If they cancel my benefits, I have no clue how I will pay them back. Right now they are essentially paying themselves back (with the difference between what SS gives to me and what they would have been giving me). When I spoke to them about this a year ago, they wanted $350.00 monthly and refused anything else and that is when I suggested instead of paying me the difference to simply keep that money. I doubt they will take $25.00 monthly until I am in a position to work again/if ever. I am really trying to help them but I am not sure why they are pressuring me to do all this stuff.

Worst mistake of my life was buying Provident/UNUM disability insurance. Even with an attorney from day one they only paid for three years. NY Atty General Spitzer forced then to re-examine closed claims and I received ten years back payments less the 40% attorney fees. Attorney also got 40% of the next five years of payments too. Was told to expect termination when atty. was gone at 18 year mark. A double bypass and a pair of artificial heart valves delayed that a couple more years. I'm now searching for my sixth doctor in twenty years who will not be intimidated by UNUM's thugs and never ending trick claim forms. The coverage was sold under the guise of "you can't trust Social Security Disability Insurance, but you can trust us!"

We have waited 6 months for an outcome to a specific case in UK and UNUM. I can't go into specifics as we are going to appeal but they have done everything possible to not pay a claim. A member of my close family has been off work sick for a long period and applied to UNUM who were within her company benefits package. It's a long story but they spent a lot of time sending out letters to doctors and specialists (three letters each over a long period of time) and looking for ways to wriggle out of any potential payment. They have subsequently put forward two very dubious opinions (no proof) and as a result will not pay. If you have this as a benefit then disregard it as the process to try and achieve will make you more sick and stressed. Absolutely 100% useless.

Anyone filed an appeal and UNUM denied twice and now states they can't reopen it? I received STD and LTD for 3 1/2 years and then last year they stopped my benefits due to my treating doctor not giving me the right restrictions. Now all that is corrected and UNUM states that my appeal can't be reopened. My attorney on my SSD claim is filing suit against them. Anyone that had filed suit with an attorney, how long did it take to get a response? And to get Unum to pay?

I applied for LTC insurance 5.5 months ago on behalf of my 91 year old father. He had hip replacement a year ago and a subsequent stroke. He can't speak well, can't understand what's going on, lives in assisted living and wears diapers. Unum told me the claim would take 4-6 weeks to process, that was 5.5 months ago. They finally sent the claim to a clinician for review and said it could take up to 10 days. That was 14 days ago. They gave me the impression that the clinician's review is the last step in the claim process. Now I just received a letter that the claim's specialist is going to continue asking for medical records even after the clinician makes a decision. You really wonder if they are stalling in case my father dies in the meantime.

I had total knee replacement surgery. According to my policy and local representative, I should have received my payment within 24 hours after surgery. That didn't happen. I was told by their "Senior Disability Benefits Specialist" that I needed to "return to work immediately" if I needed money to pay my medical bills. That occurred less than 2 weeks after surgery. According to her, she had many clients returning to work within 2 weeks after a total knee replacement surgery. After that she went on to conduct a "thorough investigation" of my claim treating me as if I was acting in a fraudulent manner. Her investigation went on for over 2 months. This "Senior Disability Benefits Specialist" went so far as to even demanded medical records from my gynecologist! In the end, I was lied to about my benefits then brutally treated and denied.

I have had several small accident claims with Unum. Their motto should be "Unum: the insurance company who strives to drive their policy holders insane!" The time frame turn around, the hassling because they cannot find what you mailed, electronically filed, or faxed to their fax number! When you call in to get an update, the notes in their system are old, have not been updated, so they read off something old and tell you they are still waiting on information, and it has already been received and is in the system. Their representatives, claim specialists, supervisors, everyone is incompetent with customer service and need to learn how to do their job!

I am a truck driver, I fell off truck on 06/24/13. I have knee injury, two ruptured discs. I had blood in urine after the fall. I am still under a doctor's care. Here it is 6 months after the fall and Unum is still asking for records to put off paying my claim. They have asked for more time and think this company should be investigated by the gov.

My employer pays for our Short Term Disability (STD), and employs UNUM as an administrator of the claims only… which makes my complaint more disturbing. I went out on STD the end of Sept. 2013 after 20+years of working for my employer (this is my first time on disability). It is now more than 2 months after I initially went out on STD, and UNUM has not paid me my benefit other than the first week I was out. I am under the care of three doctors, and like other complaints, the UNUM nurse, who has never seen me nor talked to me, decided s/he knew more than my doctors, who agree I need to be on STD; the UNUM nurse denied my STD.

One of Unum's internal Claims handlers named Shannon ** told me that my claim has been close because the in house Unum Physician (who has never seen me as a patient) determined the Doctor that preformed the surgery and whose care I am currently under has misdiagnosed me and the Unum Physician has determined (without ever seeing me) I am able to return to work. I have been contacted by my company's payroll that I will not be paid for my medical leave due to Unum's denial of the claim. I have been out on leave since 9/8. Unum did not contact me about closing the claim. I called them. I have not been released to go back to work until 11/25. There appears to be pure malice on the part of Unum's inside physician.

I received a phone call from a finance person at UNUM today informing me that they are going to deduct monies that would be paid by SSDI for my son. My son does not live iwth me, actually lives in another state and I am not required by Family Court to pay child support. I have been on disability since July 2009. UNUM is estimating that I owe them about $40,000.00 in overpayment and they are going to reduce my monthly payments by approximately $1,000.00 for my son. My ex-wife will not file and even if she did, the money would not come to me. Social Security told me that since he does not live with me and I am not responsible for child support that I would be in violation of Federal Law if I filed.

I suffered an injury at work at the end of July and was taken out of work August 9th of 2013. I submitted forms to Workmen's Compensation and my supplemental Unum Insurance policy. I was unable to return to work after my follow up appointment and the physician's office has on multiple occasions fax the appropriate paper work. I have left several unanswered messages, only to be told that they have no idea where the faxes went to. I started calling on a daily basis provided them with my information numerous times along with physician information and phone numbers. I was told that I could not receive benefits until they get the information from the doctor's office. It has been documented with dates and times that the office has sent the proper information.

I had knee replacement surgery last year in April. After a few months recovering, my employer (Homeserve USA) advised me to go back to work because they would no longer provide health insurance coverage and my employment was in jeopardy. I went back to work in fear that I would lose my job... The employer allowed me to ice down my leg during the workday, have heating pads and massager at my desk, take my meds and allowed breaks that were docked from my pay just to keep me on board. After several months of leaving early and absences, I finally requested disability time so I could heal properly. My doctor ordered this and now that long term disability is supposed to kick in, they refuse to acknowledge my doctor's request and ignore the history in my case.

Aunt was sold a policy as a quadriplegic. She paid the policy in full then they denied her coverage for preexisting conditions that she is a quadriplegic. She works for the State they offer this insurance. They knew she was a quadriplegic. She paid faithfully and now they give her benefits. Is anyone doing a class action or a lawsuit with similar conditions? Thank you.

First and foremost, I initially filed this claim in 6/2013. After over fifty plus days, UNUM needs an extension. After my Dr. faxed over 33 plus pages of notes, evaluations etc. at their request, now they want to send me to a Independent Doctor regarding my "cognitive" deficit?? In addition, they spent $3 to tell me I could no longer speak with their representatives. Everything going forward would be in writing??? Too Funny After reading all their negative publicity, why would the average consumer pay every two weeks with an employer for long term disability, when everything is a game. Had the nerve to ask me, if I would like to file a "complaint". Ignorant people, including so called supervisor's Phillip ** and Craig **. I want my money and I will stop at nothing to get it. Enough said, I will even contact the Missouri State's Attorney General, and am seeking legal advice. Never deal with this company or its people, they wouldn't know customer service if it "slapped" them upside their stupid heads. In the meantime, with my illness, bills etc., my life is on hold.....

I have not received my full payment for the second time. I have filled out all the paperwork and they think that I have control over how soon the doctor should release it to them. They have been told that it can take up to 10 business days before they get it faxed to them. When it is faxed to them, they sit on it for another week or two before they release anything. Most people are already in the hole by being off work and with them holding payments like this, it makes things worse. I drive a Semi. So I can't go back to work until I am released by the doctor. Then I have to take a DOT physical before I can return. I had my Achilles Tendon repaired. I told them from the beginning that I would be off 6-9 mo. So did the doctor. I would not use this company ever. And when it is time to switch Insurance again, I will be looking for a different company as soon as I go back to work.

One of Unum's internal (in other words paid by UNUM) named Tony ** provided a letter to an IME physician that was filled with false information. This letter was purposely written to "set up" the IME physician to write something that would be to UNUM's favor and hurt the insured who was forced by UNUM to attend the IME. First Tony cherry picked a few of the insured's diagnoses and made sure he did not list the diagnosis that caused the insured to become disabled. Unum also knew the insured would have to go back to work in the insured's "own occupation" due to the $$ needed to end the insured's claim. So Tony decided to put that the insured was told by his treating physician to "return to own occupation" in 2011 but the insured had called to state that he had an automobile accident and could not return to work in 2011. This insured was NOT released to go back to work in any occupation in 2011 by his treating physician.

Most people who are insured by UNUM for disability are aware of their surveillance services provided by the HUB, etc. Recently when the "HUB" was ordered to UNUM employee Christopher ** to spy on an insured, the company brought in Bryant with the HUB who thought he was following the insured person. Instead he was following a young teen who had only had her license 1 year and was driving. He tailed her too closely, almost causing her to slam head on into another car. Lucky, she had a friend who got a picture and a video with her iPhone. The friend also called the police, but the van sped away before police arrived. Since Bryant had notified local police of what he was doing in the area, the police helped the family track down the perp. Bryant and the HUB and UNUM have been reported to various groups, including the state DOJ who issues Bryant's license as a PI.

I filed for my long-term coverage for a surgery I had in January 2013. I get nothing but the run around, asking for the same information over and over again. Apparently they don't like the medical certificate my doctor supplied them, stating I have a disability, so they once again, are asking for the same information to delay my payments. The best part about my claim is the 90-day wait period. They approved my claim for 88 days, but now need more information to go any further. My premium is due by the end of the month and there is no way I'm giving UNUM another cent! Do they not realize no money coming in means people working at UNUM will be let go? I hope my gal gets it because I can think of no one who deserves it more than she does!

I had a stroke due to an artery dissection in my neck. I was in the hospital for 2 weeks, of which 3 days were in the ICU for brain swelling. Could not walk when I first got out, and was on disability (through work). After 3 months, UNUM started calling to harass me. They would call all hours during the day and night, threatening to cut off my payments unless I "proved" I was still disabled. My MRIs, MRAs and doctor's notes were not enough. I wasn't sure what WAS enough. This 26 year old guy who may or may not have gone to college kept calling me saying that he believed I could go back to work... I was 38, just had a major stroke which landed me in the hospital for two weeks, and when I got out of the hospital I could barely walk, and they insisted that I had to be back at work at the end of 3/4 months.

I had to be out of work because the trigger finger surgery on both of my hands. Have to submit my paperwork. A check came in the mail so fast I couldn't believe it. On the day that I was supposed to go back to work the doctor kept me out for another 3 weeks so I submitted a continuation claim. I submit all the paperwork to the company, called every day. I started to panic because I was reading the reviews. The bottom line you can't believe everything you read. The check was in the mail for my continuation claim!

It has been over 9 months since I filed my claim. At every turn, they keep asking for the same information and continuously delay the process.

Unum paid my Long Term Insurance after medical problems stopped me from doing my job. I was paid $1,200 a month for the first year. Then my payments after a year STOPPED! I was approved for SSDI, and Unum stated I owed them money. It took a little more than a year and Unum started sending me my payment checks again, but reduced the amount from $1,200 to $479 a month. Said it was an offset due to my receiving SSDI. Now last year, SSDI gave me a cost of living raise ($18.00), so Unum reduced my monthly payment to $359.. I moved from NJ to NY on 6/29/12, after my mother's death. I was her caretaker. Now Unum stopped my check again. Their reason was, "We couldn't get in touch with you." Claimed they sent me mail, but I did not respond.

I had BILATERAL knee replacement in March of 2013 and was told that I would need about 3 months off. I had to have extensive physical therapy and learn to walk all over again. Unum cut me off at 7 weeks! They went by my physical therapy records and not my doctor. This is presently being appealed, and my surgeon wrote a letter stating that I was not ready to come back. Although my job description is that of a legal secretary, he stated that it was not the job description, but the traveling to and from work and that it was dangerous.

I am retired and, through my company, I have Unum LTC insurance. But I receive no correspondence, no reminders, no descriptions of services offered and no updated contact information. This dead silence is very worrisome. It means that I (or my children or medical staff) have to find and contact them to find out if they are still in business and willing to provide their service.

The surgeon who did my total knee joint replacement stated that I required three months off work for recovery. Unum did pay the first month and a half, but now has stopped paying on my short term disability claim. Unum's representative, Karen **, stated, "That's too long," as though she knows better than my doctor how my knee is healing, and she also did not have enough information, even though the surgeon's office and the hospital's physical therapy department have both sent my records to her. Very frustrating, after I have faithfully paid my disability insurance premiums to Unum for many years. I filed a complaint with the Ohio Dept. of Insurance, but it is difficult to be optimistic.

I started my battle with heart disease in 2002, followed by kidney disease, which started stage 1 in 2005. In 2012, I lost the functions in my kidneys, which caused multiple unexpected surgeries, continuous Doctor/Emergency Room visits for back pains, uncontrollable high blood pressure, and fluid around my heart. My meds includes a daily regimen including a vitamin, (5) blood pressure meds, phosphorus meds, sleep / restless leg syndrome meds, and stool softeners (A MUST)! My doctor has insisted on meds for depression as well. My mental stability has been questioned due to financial stress caused by Unum and my Unum representative.

For now, I am going to be "generic" if you will - as I have pending claims. In Dec. 2012, I filed for FMLA and Short Term at the same time. FMLA was approved as one specialist gave me time off for a disability but then STD was denied because Unum said they couldn't read my doctor's notes?! And they referred me to work comp - which was denied but it's irrelevant anyway since I am dealing with a neuro issue. Unum said it appeared that my issue was work-related and they couldn't read my doctor's notes. - Denied. I am having the same experience as many of you report - with them having records or not having records. Can anyone tell me what to expect in the Short Term Appeals Process? I sent in all relevant medical records. Will I have a decision in 45 days or will they drag their feet?

I have several friends who collected from their Unum long-term care insurance policies, and it worked fine. In fact, better than expected. They actually collected more from their policy than what the bills were. In some instances, they collected money from Unum even though Kaiser or Medicare covered the home care or nursing facility bills. So no complaints here. Hope others have experiences closer to that than the negative ones referenced. I doubt there is some conspiracy to deny people legitimate benefits.

A word of advice: Don't buy life insurance from Unum. If you do, warn your family that upon your death, they'll be fighting tooth and nail with Unum over every single step of the process, since the company as a whole can't seem to do the work that they're paid their salaries to do. The only more incompetent grouping I've seen are politicians. I feel like I have to babysit them to get them to work. They've already lost paperwork, failed to contact us when they need information, and repeatedly keep making false promises regarding their timelines.

Unum Insurance Company lies to all of its claimants. You are not required by your policy to speak with anyone from Unum on the phone ever! Send them a fax or letter and say that you will provide the information they request in writing only. Tell your doctor not to speak with anyone from Unum on the phone even a doc. Everything in writing again. I learned so much information on how to save my claim from going to **. Ms. Linda **, who worked for Unum, now saves people from losing their claims. She also has a blog on Wordpress. Just google Linda ** and tons of info will come up. She saved my Unum claim at the 24-month change in definition when they tried to deny my claim. Get her help now and she will help your claim from being denied. Good luck!

Unum exploited my mother's Alzheimer's to deny her claim. They accepted the initial application from a neighbor of my mother for disability through Alzheimer's, assuring the neighbor that the best thing was to get the claim in ASAP so it could be paid back to its effective filing date. My mother went along and signed for the neighbor. When I (as POA) challenged the authority of my mother's case to the neighbor, Unum challenged my authority. In the interim, Ed ** of Unum obtained information from the neighbor that they used as a basis for delaying validation of her disability. He had assured the neighbor that he was working to get mom's claim processes back to the filing date. Then Unum put a spin on it and used it against us. Mom recently died and we collected only a fraction of her benefits.

I was diagnosed with medullary sponge kidney and renal calculi in 2006. I first presented with 10 kidney stones. I have had several procedures to shatter the stones. I also have intermittent pain due to the passage of stones and fragments as well as the pain from scar tissue and long-term recovery from passing the 50+ stones I have formed. My doctors have repeatedly completed all paperwork and provided their treatment notes and almost all of my claims have been denied. My nephrologist noted that I would have intermittent pain and need time even before attempting to claim it and that was denied as well as the recovery time for the procedure. I have had time denied for the days of consult as well as surgery days. I cannot remember of any claim that was approved within the last three years.

Unum's processes are designed to slow or prevent claims: Under a doctor's care, I began taking 3 drugs prescribed for Hepatitis C in September 2011. The doctor said he would put me on short-term disability immediately, but I choose to try to continue to work for as long as possible. My employer was informed and understood that I would most likely not be able to continue work for the 9 months of treatment. After 2 weeks, the side effects started to appear - anemia, fear, anxiety, etc. I made it 2 of the 9 months before I could no longer take the side effects. I called Unum prior to the 2 months in an effort to be proactive & understand their process for STD. They basically said, "Call back when you stop work." The day I decided I could no longer work, I called Unum. I had already missed a few days the previous week due to the meds. Unum said I must have 5 consecutive days out before STD benefits could begin. I said ok since I didn't know any better. 5 minutes after that, I notified my employer who told me Unum was wrong and that the 2 days out the previous week could be used toward the elimination period.

I am 78 years old. I suffer from atrial fibrillation, congestive heart failure, pulmonary artery hypertension, thickened heart muscle and earlier this year (2012), I suffered a mild heart attack. My deteriorating condition began in March of 2011. I am currently taking Tracleer and Pradaxa. I underwent cardioversion in 2012. I am a prostate cancer survivor. I was treated with 40 doses of radiation. I am also a diabetic and an arthritis sufferer. My wife is 72 years old and suffers from high cholesterol and thyroid problems. We also have a 50-year-old son who suffers from mental disorders. We have done our best to minimize our health care cost.

Unum Provident was my long-term disability insurance carrier. I worked from 2001 to 2004 and paid them monthly premiums. I got disabled in 2004 due to Guillain-Barre syndrome. Unum started paying me monthly disability payments until my state disability got approved. Once I got my SSI approved, Unum demanded that I pay them over $22,000 back (the amount they paid me while my SSI was pending approval). I paid them the money back from the retro back-pay from SSI. My husband and I were counting on this money to help with bills. We ended up filing bankruptcy in the end. Our credit is now below average, which makes it very hard to any type of loan approvals. I need to know if I was obligated to repay Unum - or did I get ripped off? Thanks for any assistance you can give me.

I was told that since I got hurt at work that the Unum will not pay for the STD that my employer sold me. This benefit is not given to me. I pay for it $60.00 a month. They say that if you're on worker's compensation, they do not have to pay. I have a fractured right ankle and unable to do my job. I drive a school bus. I am unable to drive at all as per doctor's orders. I have had this problem before and was told I would have to appeal the decision in the county that I work in. All I want is for Unum to make up the difference in the amount that I am going to lose. At this point, I have gotten no compensation from my job. I have had this policy for many years and have never been able to get any benefit. I need some help.

Every couple of years, Unum begins to harass me, making me prove that I should continue to receive long-term benefit payments. I have been receiving these since 2002. They had "Genex" in 2006 to get my Social Security benefits so the amount of their payment to me would be reduced. This latest incident is the worst one. They are demanding me to repay benefits from 2006, although my check was reduced for several years as they deducted the back pay they claimed I owed.

I have been disabled from a head injury since 2001. Now that the economy has gone downhill, Unum, who has my disability policy, has become a cruel bunch of business people. In addition, they have become much worse, since my children are grown and no longer receive SS benefits. Unum now has to make up the difference and they do not want to do that. In addition, I was one of many Unum disability clients "forced" to file for SS disability or "lose my long term benefits." So Unum forced us to use the government for part of our monthly money, so they could pay less.

After having a major heart attack in 2008, I was placed on permanent disability by my physicians. After much paperwork and time, I started receiving benefits. Last year for no reason, the benefits stopped completely. I have tried contacting Unum hundreds of times, but always get a message machine or excuses. I have lost my house, my car, everything. My wife works but only brings in about $2,000 a month. We can't buy food or gas and she has to work to keep our heads above water. I cannot work at all due to major problems associated with my heart disease. We have been living with a relative but now they want us out. We have nowhere to go!

My ex-wife died and had left me as her beneficiary on her death benefits through Unum, also my two children. At first, Unum called and let me know I was the beneficiary and everything was fine, they would send out paperwork. I have gone for 7 weeks so far of one lie after another, asking for bogus paperwork over and over again. They now do not know who the beneficiary is and no one can locate her paperwork she signed with CVS. They have put the mortuary through all kinds of nonsense and finally the mortuary paid to have my ex cremated for me and are still waiting for their money. They told me they have never had this much trouble with any company in 23 years of business.

I work for an international company. They are the short/long term disability carriers for my company. I have provided them access to my medical records from my doctor(s). They keep coming back requesting more and more from my doctor. I have come to the conclusion after two years that they are determined not to pay on my claim. How do you fight these people? I have complained to my company. See what happens. I doubt anything!

My in-laws purchased long-term care insurance in good faith. They have jumped through all of the hoops and provided all of the information needed to the insurance company anticipating reimbursement. As yet they have forked out about $3000.00, which needs to be reimbursed, and continue to receive services that they need but might choose to forgo if they knew it might not be reimbursed. We have made numerous attempts to get satisfaction only to be put off.

My father had a life insurance policy through UnumProvident and when he passed away 5 months ago, I called to find out what I needed to do. They told me they would send me paperwork. After two weeks, I called again and was told the same thing after this happened. Three times, I went to their website and filed online. I filed the claim on their website and was told all they needed from me was the death certificate which I provided.

I have been out on FMLA/STD since September, due to a mental illness. Constant panic and anxiety attacks, depression, lots of crying, constant headaches, and nausea. Most of my condition was brought on by my work environment. It has elevated to a new level where I wake up in the middle of the night, heart pounding like crazy. Unum had me to return to work on 10/31; where as my doctor had me to return back on 11/16. When a traumatic experience happened, I called the office upset crying and informing my doctor I could not return. She agreed as she could say nothing to calm me down. She has since then recommended me to a psychiatrist to help with my panic attacks. Well, due to this information, Unum did not send any information over to my employer, who in turn did not send me a check in the month of November.

Paid a premium for short/long term disability. Unum Provident said that they would expect payment for any overpayment given to me when I got my disability. Therefore, when it was started ,they expected to take the full amount. If that be the case, what did I get for the premium that I paid?

I am nearly 60 and I paid premiums to Paul Revere for 27 plus years. I have had 7 auto accidents, I am bi-polar and I suffer from serious depression and high blood pressure. I have fallen a few more times and now it has taken Unum more then 7 months on my claim and so far it appears that they send legitimate reports to their operations department so they can interpret what was said and use it to deny claims.

My STD & LTD benefits were provided by UNUM through my former employer, which happened to be a hospital. I had been injured in 2004 in a severe car accident and had ongoing issues. However, in 2008, doctors at the hospital where I worked gave me a spinal block, puncturing my dura & nerves in my lumbar causing serious complications and long-term damage. I became completely disabled immediately afterwards and was no longer able to work. I began receiving STD which eventually ran into LTD. Due to all of my medical issues, I was under the care of several well-respected specialists. UNUM harassed every one of my doctors. Constantly requesting forms to be completed over and over again. Then claiming that the forms were never faxed or sent.

I'm a 25-year old, single father of a 3 years old. 5 months ago, I went into a heart failure and had to have two surgeries to save my life. One through my leg, the other was open heart. After 4 months, my son accidentally headbutted me and my 8-inch scar down my sternum got inflamed and I was hurting a lot again. My surgeon said I should take an extra 5 weeks off (which still landed me under the 6 months of short-term). Unum now has refused to pay the $495 x 5 weeks they now owe me and said there is no medical evidence that I should be paid any of it.

I was off work sick since August 3. They repeatedly say that they don't get the faxed forms, even though I have receipts and confirmation for the 4 times I have faxed the paperwork and the two times that the doctors have faxed them. I called only to be put on hold until the hold finally disconnects.

Unum stopped long term benefits with lies and without any notice, not even paying for a year's worth of LTD benefits with seven disabling diseases. I started a petition for everyone to sign, asking over 100,000 businesses to cancel Unum's contracts. Stop buying from the worst! They are a bad faith company. Go to bringthemalldownnow.com and email me with your story and support. Let's stop these insurance companies from treating the sick and the injured this way. Email me at **.

I injured my back (nerve damage L4 - L5). On 12/98, I was approved for long-term disability and was receiving my checks.

I was awarded 100% SSD. I have genuine injuries and I have letters from my doctor confirming it. However, Unum said that I do not meet their definition of disabled. I was a pedestrian struck by a vehicle and survived. I take three different pain medication a day, yet Unum still say that there is nothing wrong with me.

I have letters upon letters of claims from Unum stating they couldn't get the right records from my doctors and if they didn't get them, my claim would be denied. They have harassed and irritated every doctor I have had! My doctors have yelled at me regarding Unum pressuring them! Unum has now on 6-1-11 denied my claim upon ridiculous claims of their doctor seeing no disability! I have been through months of this-- harassing phone calls, rude people that can't even be civil; threats, lies, word twisting, accusing me of lying and having psychological issues; stating lies on their behalf, such as no injury sustained at time of MVA. They can't claim that!

Unum is a fraudulent company. They take your money for your premiums. When it's time to honor your policy, they use loopholes not to pay. I was told by an individual who works there they deny claims so they can get their bonus checks.

I had a policy with Paul Revere Life Insurance division of Unum. I was awarded 100% S.S.D. Unum says I do not meet their definition of disabled. When I asked what their definition was. They said, "Read your policy." I took this policy out in good faith, however, they will not honor it. They are more concerned about turning down claims for their own profit gains.

I was awarded 100% social security disability. Unum says that I do not meet their guidelines of being disabled. I have several herniated disc at the back and in the neck.

UNUM is at it again, canceling people by the roundtable for reasons unknown. I got reassessed after 5 years and won, now after paying me 11 years' worth of payments, they canceled me when I got my diagnosis of IC. I've been in pain and sick ever since I had lupron shots 11 years ago and out of work since then. I almost lost the house when I was approved and canceled this summer. Check out Linda **'s blog about what they are doing again. I would never use them again if I had a choice, but I don't think I will ever be well enough to work again, especially after what they put me and the doctors I saw through. They harassed all of them, saying that they didn't get information that they did because I have the files with many copies of the same thing.

I got approved for SSDI and they closed my claim before my 720 day, after I submit the paper work from my primary care doctor and social security claiming total disability. I was homeless for 8 months. My employer said they could not find a job that was suited to my disability.

In Dec 2006, I started receiving retirement disability checks. I called to inform UnumProvident that I was getting it. I was told to mail a letter and a copy of the check and that it probably wouldn't affect their payments to me. Letter and copy were sent. I never heard anything else and my payments from them didn't change. Then in June 2010 when I was filing for a loan modification, I received the disability verification forms to be filled out including what income I was receiving. This was done and sent to them. I received a call to verify what I was receiving and once again was told that the retirement disability probably wouldn't have any affect. Then 5 months later, I received a letter stating I was overpaid by $63,511.00 and they wanted a check by Dec 2, 2010. I called them and talked to Wendy ** and when I told her the history, she stated it is how the policy is interpreted. She stated she would send me the appeals information. I received the appeals information letter stating I had 180 days to file. On Dec 27, 2010, I received a letter from them stating they had not received my appeals letter and that they were halting my payments as of Jan 2011.

My company provided both short and long-term disability benefits through Unum and Unum hired my employer to manage insurance accounts (lab, investigate large claims, MVR etc). I had no idea that my company was also caught in insider trading and was sold. Imagine having to fight for both STD and LTD benefits when both companies were under investigation. It didn't matter. I eventually won both STD and LTD through Unum.

The company that I work for previously had MetLife, which had been wonderful. I had both long and short term disability at the time. However, when it was time for renewal in 2009, we were faced with having to change to Unum. We were only given the option of long or short term, but not both. Due to a prior diagnosis of Myasthenia Gravis, I went with long term. I get monthly IVIG infusions via home health care and periodic steroid infusions, which keep me home for several days each month. I had never filed a claim with Unum until September, when I was hospitalized with a crisis. That led to another hospitalization in October of 2009. Neither of these claims was paid because I was not out for 90 consecutive days (or because I returned to work full-time). I was given several rationales. However, I continued to have my routine monthly infusions. Shouldn't home health care count? I was told no, it doesn't count as long as I am able to continue working full-time.

I am currently off from work from a company I have worked with for nearly five years. I've been out of work for over three months for severe anxiety, depression, and post-traumatic stress disorder. Unum is in charge of my FMLA, short-term and long-term disability. I am receiving neither, nor have they yet to tell me if I qualify. I've been told numerous times that they haven't received faxes from my doctor. I've had to call time and time again to get this straightened out. Now, correct me if I'm wrong, but when you're off on FMLA shouldn't you be avoiding stress?

I had surgery on my knee in 1989. A piece of an instrument was left in my knee, and I have had problems all of my life. In 2004, I developed Sarcoidosis, and was on steroids. My knee pain was getting worse, and in 2007, I had an X-ray of my knee, which revealed a metal artifact in the joint. I had the artifact removed. No,w it's 2010, and I need a knee replacement.

I have a policy with UNUM for accident for myself and kids. My son hurt his shoulder during football season (fall 2009). He went to the doctor, who prescribed physical therapy. That didn't help and his doctor wanted an MRI. The MRI came back inconclusive. The doctor decided to do exploratory surgery. It was found that my son had a tear of his labrum, which is a covered claim. Keeping in mind the policy states that surgery has to be preformed withing 90 days of said reported accident, I sent it in nonetheless.

On November 1, 2009, I was diagnosed as disabled due to migraine and continuing headaches, tumor on right side parietal brain, severe depression, panic attacks, anxiety disorder, etc. I was placed on leave without pay and family leave while taking physical therapy and trying to get adjusted on medications. I thought I would return back to work in April of 2010. Unfortunately, my neurologist found bulging disc at C-5 and 6 and thought that this was the cause of the migraine headaches, swelling and spasms in my neck and shoulders on MRIs taken.

My wife has a difficult time writing. My wife was employed with BB&T ins and became disabled due to back and neck operations. She was given a status of permanent disability, never to return to work by numerous doctors. Her pain management doctor is her main doctor and does her disability. He clearly states she is disabled. Unum called their office and asked about my wife doing a function test. They talked to a new PT that my wife had seen twice. She stated she didn't know the level of her disability so that gave Unum the right to do a function test. We didn't think of this as a big deal.

I have Lupus and major depressive disorder. I was on disability for 6 months when Unum decided that they were not going to pay me anymore, and that despite my doctors' written notes, that I was still in a dangerous "flare", they denied my claim. I filed an appeal, and they denied that also. I am unable to reach anyone, except a clerk that delivers the bad news to me. I am not allowed to speak to any of the "medical professionals" that determined my case. I am so frustrated! I have paid premiums for this policy, and they just cut me off for no reason, except they just don't want to pay me. I am so stressed that my mental and physical condition have gotten so bad. I am almost completely bedridden. My doctor has prescribed drugs to try and help the Lupus flare. and I am on mental health drugs from my psychiatrist. My family has had to help me financially, and it has taken a toll on all of us.

My employer supplied a benefit for long-term disability from the company Unum, which is supposed to be for 40% of my salary while employed. I developed osteoarthritis in my fingers and went on disability on October 2008. I was awarded permanent Social Security disability beginning July 2008. It has been a constant battle with Unum, receiving periodic calls from Marissa asking when I will be able to return to work and asking if my condition has improved. I have seen three different physicians, and they have received those records. I tell her every time that arthritis only progresses, does not get better.

On August 23/2007, I was dx with cervical cancer. I drew std from coloniai std from Aug. 07 through Feb. 14, 08, I had received treatment of chemo and internal as well as external radiation. I returned to work in Feb. 08 . My company switched to unum ins which became effective Dec. 08 in Mar 09, I became very ill. I had severe abdominal pain subsequently, had to have surgery had 6in of bowel removed due to ilealus. I filed for std unum denied me stating it was a pre-exestion condition according to their med staff. My md suggested, I get a lawyer, but with no income who could afford one. I have a lot of hospital also had to let my car go bill collectors calling from 8am -10pm every day. I had good credit. Now I am ruined. The ins was to prevent this from happening. My husband and I have lived on his ssr since April 09.

On July 15, 2009, I was in a car accident that required me to go on disability. I find it extremely hard and difficult to get disability payments for the month of September and October. UNUM claims that my doctor is not providing medical records. UNUM also claimed that I returned to work and closed my case. UNUM also wants evidence of my disability. My Disability Benefits Specialist has made more than one error in handling my case.