UnumReviews of unum.com

It has been a nightmare dealing with Unum. After reading the other reviews I'm almost jealous as I have struggled just to talk with a real person. The THREE phone numbers I have for this company direct me back to the website/app. I want to talk with a human. I have questions other than what is already posted online. Today after trying for well over an hour just pushing random numbers on my phone...I got a recording that stated...looks like your having some trouble I will connect you to a rep. The rep...says she has confirmed the paperwork is there. I can not say I totally believe it. As my Dr. Has sent the info twice over the last and I have not received an updated claim letter reflecting this. (on the app it does say reps are available 8a-8p leads me to believe I will get to talk with a human. Nope! Absolutely asinine.

I would give -1 stars if I could. I applied for FMLA thru UNUM because I live in NY and this was what he have to do. They made it confusing as possible by creating a second claim under "Short Term Disability" because their online SW is crap. So then it was impossible to get the forms in the right system to actually get something accomplished. Hate them; Hate them; People on phone were nice just clueless.

If I could give them a negative I would. The company I work for uses them and they’re supposed to pay 60% of wages. I went on short term disability and I called because the math wasn’t adding up on my benefits. On 40 hours a week I would gross $840 so at 60% that should be $504 per week paid benefit. The rep told me since they pay for every day they then take the $504 and divide that by 7 days. Ummmm wrong! I don’t work 7 days a week and by them dividing it like that they’re technically only paying 42% of the 60% they should be paying!

Had critical illness for several months. When i enrolled i was sent a link to enroll for UNUM's online access. I filed a claim was sent letter after letter wanting more information from myself, the Dr. performing the procedure, and the hospital. After submitting everything i was sent another letter that they couldn't confirm i had coverage. They forwarded a letter that was to be filled out by my company's HR, that was done. My company's HR rep called the UNUM rep and had them investigating it. They still can't verify that i have coverage. When i called in, i had to input my SS# so they could access my claim, recording came back that SS# was validated, then the rep came on the phone and said everything is being held up because they were never sent my SS#. After the phone call, i am still stalled out over them not being able to verify coverage.

At this point I don't eavn think your company deserves a full star ,took forever to get paid on My short term disability,owe me for my long term back to the first part of July 23,and just had Knee surgery on the 24 of September with out my benefits now September 30,23 I'm 61 years of age, the stress is killing me, just pay the benefits due it's bs

This company is a scam! Please don't throw your money away. My dad paid on this policy from 1980 until he passed in May 2022. The last 3 years they charged him $800 a month. My poor 77 yr old mother has been trying to receive this money for over a year. They have any number of excuses: IT issues, someone must have hacked our system, "we will call you back" and never do, we will wire it Monday and never do, sorry our computers are down. They take advantage of older people during the worst time of their lives. I don't believe they have the money and will just stall old people until they just give up. Please don't put your family in this position because all your money you paid in just goes in the pockets of the upper execs.

I wish I could give them negative stars! I have been on a approved FMLA leave since March 14th 2023. I also have short term disability coverage through UNUM that's paid for through my employer. It has been a constant struggle to get them to pay me disability. My doctor has filled out their required paperwork quite a few times with no STD approval. UNUM doesn't return my phone calls after I leave voicemails. They won't return my drs phone calls. My case manager Stephanie is horrible. Their communication is non existent. For the time I've been out I have received one payment and that was on April 14th. Really? I have called and spoken to general representives and they don't make note of my calls in my file or they oddly hang up on me when I give them my social. If they would pay me my disability then my insurance benefit payments would come out of that payment but because they don't want to pay I'm having to pay my benefits out of pocket. This entire UNUM experience has been extremely stressful on top of what I'm already dealing with as fas as the reason for my leave! They are getting paid but don't want to pay people!

I have had a life insurance policy since 1988. After making some changes, I have received no regular communications, no premium notices, annual reports or notices of fees. They charged fees that were equal to the dividends the policy was supposed to generate. Now they have refused to direct deposit my surrender value check, even though they directly bill my bank account. Terrible customer service and poor investment practices.