UnumReviews of unum.com

AWFUL AWFUL AWFUL AWFUL Completely useless people. Claiming income protection with the help of HR and EVERYONE at uNuM is pathetic, useless and mediocre at the very very best. I hope you lot get fired ASAP or close down. Pure TRASH

I enrolled in UNUM voluntary insurance and the coverage information included eye injuries and surgery. On 11/30/2023 I had surgery for a detached retina and a Giant Retinal Tear. The doctors injected silicone oil into my eye for recovery purposes. On 2/8/2024, I had a second surgery to remove the oil. I submitted a claim for an accident due to the detachment, however, I could not say exactly how my retina became detached and torn. It usually involves head trauma, but again, I could not pin point the exact incident because detachments/tears can be slow to evolve. I told my doctor this and I was honest on my claim. It was denied because UNUM said that a detached retina is an illness, not an accident. I filed a different claim for my retina surgeries with the illness form and that claim was denied, stating retinal detachment is not an illness. Again, my coverage includes eye injuries ($300) and surgeries ($1000). It seems UNUM is finding creative ways to not provide coverage that I have been paying for the past year.

How this company is allowed to legally operate in the U.K is beyond comprehension. Don't believe the literature it's nothing but lies and deceit. Tried to claim for a period of illness, provided all paperwork and medical evidence and they simply pick out the bits that suit their argument and ignore the rest. They didn't contact my primary medical professional for any medical details and the person reviewing the claim omits information and doesn't give titles to conditions making them sound less severe. Avoid like the plague,save our money and your stress levels.

Horrible. I have called the person in charge of my short-term disability case multiple times in a two week period and I have not gotten called back despite voicemails left with very clear questions and requests to be called back. The general number is not helpful because the people who answer those calls don’t know as much as the person in charge of the case. My initial claim took about three weeks or more to be approved (while I was off work) and they only approved it for a very short period of time. That was stressful because I missed pay and didn’t know if it would be approved or not. I have now requested a two week extension. We are now one and a half weeks into the two week extension and I still have not received a callback or received an approval. My status still says pending. How can it take two weeks plus to approve an extension? Additionally, my HR is sticking up for them and saying that they probably need more information from my doctor. That would require them calling me back. There is no excuse for this.

i applied for Wellness claims on 03/05/2024. According to the website the check was issued on the 5th. I took until April 1, for that payment to get to me. I have call to cancel the checks and the cancelled the payments on both checks. One check was cancelled and reissued on 03/27/2024 and the other check has not been issued. This is not good customer service and it should ot take this long for a check to come from Chatanooga, Tn when i in Memphis Tennessee. Check you processes

If i could give ZERO, I would!! I purchased this thru my job and added my spouse and 4 children. My husband became critical ill and unfortunately, he passed away, when i filed a claim for this coverage, they DENIED me...I am already going thru losing my loved one and here they come making everything difficult. This is called CRITICAL ILLNESS coverage for a reason, I will NEVER purchase this mess again! I will also be reporting them to ALL agencies, this situation has further stressed me out! Why offer it? Why have me email and call you several times? This company has basically STOLEN from me and many others. I will also be contacting my local news because I promise this is not the 1st time they have did this...just check the reviews! An awful company.....shouldnt even be in business, this entire process was a waste of time, money and only stressed me out more. THANK YOU FOR ABSOLUTELY NOTHING but making my life more stressful....so does this mean I get a refund (i am sure it doesnt) but it is not right that I paid for this coverage, my husband passes away and you deny the payout of the policy.....thieves!

They make everything hard on their customers. I've wasted HOURS on the phone with them regurgitating the same info each time. Can't even calculate my wife's LTD properly, then have the nerve to ask for money back. Awful customer service.

The worst insurance company ever. Not looking back to see them again.