UnumReviews of unum.com

Terrible awful company. A car accident not my fault and injured long term is worth $75.00 to them I want my money back!

Dear Sir/Madam, I am writing to formally complain about the inadequate and outdated level of mental health coverage provided under the Unum Health Plan 360. My recent claim for counselling and psychotherapy was declined after an unreasonably long review process, on the basis that such support is not covered. This is, frankly, unacceptable. In 2026, excluding access to counselling and psychotherapy from a health plan demonstrates a fundamental failure to recognise mental health as an essential part of medical care. This omission significantly undermines the value and credibility of the policy. The provision of online-only support does not address this gap. Psychological care is not a one-size-fits-all service, and restricting individuals to limited, pre-approved or remote options shows a clear disregard for patient autonomy and clinical reality. This approach is not only disappointing but reflects poorly on your organisation’s commitment to meaningful healthcare provision. It raises serious questions about whether this policy meets reasonable expectations for modern health insurance. I expect a clear explanation for this exclusion, and I would urge you to confirm whether there are any plans to bring your mental health coverage in line with current standards. Kind regards, Simone

UNUM happily take people's money, but when it comes to paying out for illness they are nowhere to be seen. A 2024 court case found that UNUM deny claims with "Fraud and Malice". Just about says it all for this bunch of fraudsters. They paid agents to follow me and my family around, take pictures, film videos, make nuisance telephone calls and even break into our car to view private mail. Steer clear!

Horrible! When I tried to return the lashes that weren't applicable they went back n forth for a week about giving me half my money back and I still didn't get anything back! Beware the scam!

Currently dealing with a STD disability claim with them. Absolutely awful. Partial communication. Dragging out the process. absolute trash

I would give 0 stars if it would allow me to. Horrible communication I get a different response every time I call, recording says additional info needed and I uploaded 152 pages of medical records and the Dr office faxed them, now I’m told the request is closed out. Almost an entire month with zero pay and zero light at the end of the tunnel. Beyond frustrating, this company should be shut down for unfair practices as well as unethical.

I am sorry but when you hire someone to handle something as sensitive as disability claims I would think being able to understand and ask questions is the top priority. It is very obvious that Unum has outsourced their call center to India. This is not some online parts order that you are asking about. This is your livelyhood and you need accurate information and being able to communicate properly is imperative. Every single time I have got and agent on Unum it has been a nightmare. I am not talking about a simple accent. I understand not everyone talks the same. I mean I asked the same question 3 times and she could not understand it. Nor I understand her. Unum has been sued in the past for denying real claims. Not a trustworthy company.

Truly the most awful and broken customer portal I have ever used. No follow up, no help. I wish my company would fire them. They couldn't be worse.