Unum Insurance Company Reviews

Unum is awful. I am banned from calling. Because I questioned everything. One person tells me one thing. I want a supervisor. The supervisor is questioned on chat. The person that took my case, take 3 months to tell me is my fault. After that I called I spoke allegedly to the supervisor. She DID NOT PUT ANYTHING OF HER NOTES! STILL the first person is sending letters to my portal that I am being rude. I have been crying, because I can't pay my bills. Because I am in so much pain. Unum tells me to call my work. My work tells me to call Unum. Since August. No payment! I am so blessed with a friend attorney! He is helping me! Please do not trust Unum. Screenshot everything!

I would never work for a company if Unum was their LTD. I wish I didn't have to give them 1 start but unfortunately, I did. I am filing this complaint against Unum regarding their egregious handling, deceptive administrative practices and bad faith denial of my LTD claim. My PCP has explicitly excused me from work due to medical restrictions that prevent me from fulfilling my occupational duties as a chase driver (requiring up to 1000 hrs/week) sometimes over an 8 hr shift. Unum has systematically ignored my doctor's restrictions and utilized bad-faith administrative stall tactics to force a denial.

I am now a WEEK post-surgery, and I still have no idea whether I will receive the benefits I PAY FOR. Let that sink in. I followed the process, started my request more than a MONTH before surgery, and submitted my request for two weeks off work under my doctor's orders. Yet here I am, recovering from surgery while stressing over whether I will receive a paycheck. My employer switched to Unum this year, and based on my experience, this company has been an absolute disaster. I have made DOZENS of calls and have managed to speak with only TWO actual people. Getting a live representative is practically impossible.

This is the worst company I have ever had the misfortune of dealing with. Unfortunately I have them through my employer and believe me when I say I am not just here with a review. I will be reporting them to the insurance commission, attorney general and consumer advocates. A patient recovering from major surgery should never be put in a situation of high stress and anxiety due to uncertainty whether or not they have the financial needs met that they pay for out of their paycheck. This company is terrible with communication; even worse with the pay outs for clients. It is always the same stating reviews take 5 days. Emails not received, placed as a priority call twice and never received a call. This company needs investigated, insurance licenses revoked and shut down!

They're not helping employees but finding ways to give you hard time and make you go back to work... I fell sick few months ago and now back to work on a part time basis because after heart surgery my body and mind need time to recover. Having worked for some time, I have had serious headache and feel exhausted even few hours of work everyday. So I have extended my part time work. Like other complaints, Unum is usually not attending to phone calls. Yet, they call me to check on my condition every few weeks. Recently, they requests for my academic certificate, resume, work experience... They are trying to stop me from working part time... Not that I don't want to work full time, just that my soul and mind just cannot take long hours of focus work and I feel extremely frustrated....

AWFUL company! I don’t have a choice on having to deal with this company since they’re who my employer chooses to use. I’m sure given their reviews and after dealing with them it’s because they’re cheap and overall useless. You can talk to someone all day long in the chat and the phone but they’re not able to help with anything. They can only tell you a specialist will call you but will not give you contact information for that person. They also don’t allow you a way to get transcripts of the chats, so make sure you screenshot or record EVERYTHING! Make them admit that they make it as difficult as possible for you to contact anyone with a clue about your case. It’s no wonder this company has such low ratings and so many lawsuits. I don’t understand how they haven’t been shut down already.

I try to remain professional and patient in every situation but this company makes it hard to do so. Everytime you do a chat or phone call you get the same answer. They constantly tell you to wait out the 5 business days, I’ll put in a ticket to bump this up to the specialist, blah blah blah. What exactly are the employees doing there everyday? Just sitting at the computer playing Sudoku? Get it together!

I would NOT recommend this company based on my experience with their claims process. The level of unprofessionalism and lack of urgency is extremely frustrating. After filing my claim, I was told the process would take five business days. That timeframe came and went, and I was left waiting for a decision while I was out of work and had no income coming in. By the time they finally responded, I was almost at the point of returning to work anyway. So what exactly was the purpose of having coverage if the process takes so long that the assistance comes after the person has already endured the financial hardship? And it doesn’t stop there. When I was told that I could file a grievance, I still had to wait additional days for their system to be updated before I could even file it. This is unacceptable.

Worst service I’ve ever had. On your first phone call find out who your case manager is, get an extension number. call twice( leave messages ) then get a lawyer. Sawyer is my case manager. I called her 52 times and never got a phone call back. She only called back after I left a message with her boss Paul. My doctor sent them the facts that they were asking for six times. I called three times they confirmed they got the fax twice then three days later they said they never received it. Excuse after excuse. Just get a lawyer let them look at the reviews and they will be happy to Unum them for you. This is the only way that they understand.

Absolutely the worst experience. Having suffered with Ménière’s disease for years, my neurologist took me off of work for being a safety hazard to myself and coworkers as I was a fall risk. Unum will find anything possible to keep from paying although years of documentation from a specialist says otherwise. After paying premiums for 35 years, they use a form of deny, delay and defend. Absolutely the worst. If you have Unum LTD coverage, beware that it’s almost certain they won’t pay on your claim.

I have messaged my personal doctor for revised letters 3 separate times because UNUM insists they will deny my medically necessary time off of work, just because it takes a bit of reading comprehension to understand. California state disability doesn't have a problem with my doctors paperwork, that's why I believe that this is part of the company's handbook, deny everything, because they can't be this stupid in real life.

I can’t even begin to say how awful this company is. I have been trying to communicate with them for over three weeks because I have not received my short-term disability payment. They are trying to tell me that they haven’t received the information from my doctor's office, I have the physical copies of the confirmation that the information was sent from my doctor's office on the day that they requested it over three weeks ago. They claim they did not receive it.

This company is horrible. It seems that they literally wait until the dr sends you back to work before you’re paid anything. I was back and forth with them the entire time making sure they received everything in a timely manner. They still had the excuse they haven’t received information from my job. I pray I never have to use them again. And it’s ridiculous because I pay it out my check weekly. And they have no sense of urgency when paying you.

A rip-off company, my employer gives benefits but we can't use them, they delay and drag their feet, make me use vacation time for my cancer operation, I submitted a claim over two months ago that was for intermittent treatment. now they want more paperwork before they can continue my treatment.

I can't rate this company at all. This company doesn't even reach 1. This company does not care about the person's health. I am extremely sick and now I have to worry about my job as well. They have all my information and how sick I am and still giving me issues about my hospital testing. They could care less about the members.

I filed a claim in May for a shoulder injury. I sent in all of my initial documentation and waited. I finally called to check on the claim when it reached 30 days from filing (with no payments or approvals made) and was told they need ALL of the doctor's appointment notes and clinical notes from PT before they can process it, but the case manager acted as if they were going to deny the claim even with those. I have paid for years through work to have this coverage in case of something like this happening, and now that I need them they are trying to deny my claim. I have not had income since filing my claim 5 weeks ago, and since I already had an attorney dealing with this injury I had him start handling talking to them. This company is horrible. If I had to bring in an attorney to get this moving that should say something.

Dealing with Unum is very frustrating. Not only are the constant mixups draining, they stalk everything about you if you need to go on long term disability. (I can understand for physical approval) How do you make a determination about someone’s ability to receive disability from their encouraging posts on social media. Social media is the fakest platform on the planet. You can show the world that you’re happy but behind the scenes you’re torn from the inside out. This company is truly a scam. Which is why there has to be further steps done against this company. I’ve never seen anything like it…

Horrible experience. I was took off of work 2/17/2026 due to my job not being able to accommodate my doctor's pregnancy restrictions. First my caseworker Nathen told me my job was the one who was going to be paying out when I asked about who the benefits were coming from whole time the insurance is who the funds come from so false information. I was eligible for benefits 2/08 and my doctor gave me restrictions 2/17 saying I could not lift anything. I turned in all the documents that was requested. They even got medical records etc from my doctor and approved me none of the documents were fake or fraud and they APPROVED me.

Horrible. No one takes responsibility for your case and a lot of broken promises of someone getting back to you.

This company has been extremely difficult to work with. There appears to be a consistent lack of clarity among staff regarding processes and how customers should be properly guided. The required paperwork was vague and poorly structured, resulting in my physician having to complete the same forms multiple times. My doctor also shared concerns about the quality and clarity of the documentation.

Zero Stars! Unresponsive, repetitive requests for same information via app or phone causing extreme delays when the consumer is hoping to be efficient and get ahead of deadlines without delay of payment. Will never purchase this "benefit" again. In future just try to prepare and put the same benefit amount in my savings account.

We found UNUM to be very efficient in processing our LTC. They were very helpful in handling our claim and it was expedited efficiently.

I am now on week four of being out of work for a serious condition that does not allow me to return. I have filled out all paperwork, faxed and uploaded to their portal. My PCP office has also faxed all paperwork, still no approval. When I called customer service the rep tried to tell me they were missing an authorization form which was the first document I uploaded. I called him out by informing him that on the portal it shows I uploaded the document two weeks prior.

If the system allowed, zero stars. I know, and Unum knows that my claim was approved. But, they need paperwork from me. They can’t tell me how to fill out said form, nor do they know who I should talk to, to find out.

If negative stars were an option, Unum would be leading the board. After submitting all required documentation, my claim is still delayed—with no clear reason. Meanwhile, executive compensation is tied to company performance, raising serious concerns about whether profits are being prioritized over people. There’s a long history of complaints, litigation, and regulatory scrutiny. At what point does accountability step in? People pay into these policies for protection when they need it most—not roadblocks. #Unum #InsuranceAccountability #BadFaithInsurance #ClaimDelay #ConsumerRights #IllinoisAttorneyGeneral #ILDeptOfInsurance #InsuranceReform #FairClaimsHandling #HoldThemAccountable

Had to miss work for 8 weeks. I only received money from this insurance company for 5 weeks, playing the game of more documents are needed. After fulfilling their document requirements, I was informed that a fax usually takes 5 days to receive and review. I submitted forms for Unum to get my medical records and had my physician send as well, still their reply was. I wasn't scheduled for two weeks extra off from work, umm, my physician said I could not return to work until a certain date, so I'm sure Unum will short-change me on my additional two checks. Worst company to do any association with. Customer service is a joke, waiting on a return phone call, is indefinite... good luck to anyone using these people. Rating them - 50. Texas

I’m extremely frustrated with my experience with Unum. First, the automated phone system is unnecessarily difficult. You’re forced to review every payment you’ve received before you can even speak to a representative, which is incredibly time-consuming and frustrating when you just need help. When you finally reach customer service, they’re unable to resolve most issues and instead direct you to your assigned agent—who is often unavailable. While my second agent was more responsive than my first, the inconsistency in support is a major problem.

This has been the most frustrating process that I have to deal. I gave in detail from the beginning why I need to take leave off from work. They would approve week by week even though my doctor gave a time frame since in being seen by multiple doctors for my issue and waiting on approvals for referrals. My mri came in with findings and the specialist and already made my appointment before findings and did not have a sooner appointment. Unum denied my extension and now I have to appeal. A whole month without being paid and now I have to wait 45 or more days for a decision to be made. They are horrible and every time they requested medical paper work or felt they needed to call the doctor it added another 5 days for review. So again a month of being in the dark and being denied. I did not want to even give this company one star.

Have been working with them for weeks and every time we submit documents, they take WEEKS to review them, and then request MORE documentation. I'm off work due to a debilitating health condition and recovery is even harder when I am left in the dark for weeks on end, only to have to restart the process over with more documentation to submit. It's obvious they are just looking for any reason to drag out the process and find a reason to deny owed coverage.

I have had a miserable experience dealing with this company. It’s nearly impossible to call them and get a human on the phone. When they do reach out to me, they ask incredibly intrusive questions with zero sensitivity. Two weeks after my double mastectomy, they called me to inquire about how “intrusive” my surgery was and can I “remember how much was removed during it.” There is a lack of compassion in their customer service, and a lack of basic understanding of the medical procedures that they are calling to inquire about. I have to continually submit the same information for my doctors every 2 to 3 weeks in order to get my leave approved for the amount of time that my doctors have requested. I will be filing a complaint with my HR company when I return to office about how awful the experience with Unum has been.

Their whole portal should be be an email system. They got literally every document factually wrong for my basic, standard paternity leave claim. Their phone maze doesn't get you to a real human. The don't have online forms or ways to just drop them a message. Literally every single time they get their documents wrong (wrong hire dates, document leave dates not matching what you tell them. Statuses incorrect. Missing parts of the leave that were discussed), you have to do a 20-40 minute painful chat support session. They will promise that another team will input your info properly and fix your forms. But they do not deliver on the promised timelines, and the documents are always wrong.

I have been waiting on claims to be approved for over a month and have not been able to take time off work due to financial reasons until my claim is approved. All my documentation has been provided and I have to follow up by calling every other day in which representatives ask me the same questions I have answered previously weeks before. It's odd given that I've paid into this insurance for so long and am requesting a few weeks of leave for mental health issues I need to address. I've left multiple messages for my claims specialist who has yet to return my calls.

This is the worst company I have ever had to deal with. They keep saying are missing documents. My doctor faxed them documents. It was confirmed and when I call them and told that it was not received. They said they didn’t receive it. They claimed that they sent the documents to my doctor. They claim no documents were faxed to them. It’s so hard to speak with someone there. They always refer you to their portal, which is not clear. Someone called me that was very rude. I have not received a paycheck because my employer is waiting on their decision. I am a colon cancer stage four survivor and I need my money to pay my doctor bills. These people are outrageous.

I’ve applied to Unum Group multiple times and continue to walk away feeling extremely frustrated. My skills and experience meet, and often exceed- the job requirements. Yet, I’ve never had the chance to speak with an actual person. The interview process relies on recording video responses, which feels impersonal and stressful. It doesn’t allow for meaningful interaction or clarification and creates unnecessary barriers for candidates. For a company that promotes inclusion, the process does not feel accessible-especially with individuals with disabilities. The hiring experience does not reflect the values the company claims to support. Overall, the process feels disconnected and discouraging. I strongly encourage Unum to improve how they engage with candidates and make their hiring practices more human and inclusive.

Just received a cancellation of my LTC policy after 20 years of payments. Their offer was to reimburse me for my payments only versus the $400,000 in LTC coverage they might have to pay if I needed it some day. What a ripoff from this insurer. I wish someone would begin a class action suit for all policy holders

They will not make a decision until surgery is complete. They want me to call or go online the day surgery is complete. I will then find out if approved or denied. The last thing you need to worry about for your recovery. I wonder what makes them think I will be in any condition to do this. If denied, I will have to fight this. I am expecting a hospital stay for a while. I hope I am getting paid for this. Do not use this company. I am only using because my place of business is using for any leaves. The company I work for definitely did not do their research. I work for a very large reputable company.

The phone number is pointless and will loop you endlessly through an automated service. Good luck reaching a representative and figuring out why things are taking so long. They don't care as long as they don't have to pay more than the bare minimum for workers. I'm on my 4th call and still can't get through to an actual person.

I was recently denied benefits from Unum when I had health issues that occurred to prevent me from working. A lady named Samantha that handled my case made sure she dragged the process as long as she could. I noticed that I wasn't getting any answers about my approval, and was constantly checking on the process. One day I reached out and that's when she decided to tell me that she never received the paperwork from my Dr. and when I asked her why didn't she contact me and why did I have to call her to find this out, her response was that, "I seemed overwhelmed". What does that have to do with anything? Do your job. I was only overwhelmed because she deliberately dragged whole process. Telling that she didn't have what she needed to move forward, but every time I would supply her with the documents she asked for she'd find an excuse to ask for more additional documented information.

Received all of my information promptly, and were quick to resolve any issues. Everyone that I spoke with was friendly and professional. They were quick to call back when scheduled for a call, I have no complaints.

Lazy customer service. I had surgery on 1-15-26 that has me off for a month. All paperwork has been done since 1-17-26, but still under review as of 1-14-26. I go back to work in two days and after talking with them still haven’t received a dime