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Unum Review

Unum Company Overview

Customer Rating:
Rating: 1.5116 Reviews Unum has received an average of 1.5 stars out of 5 based on 116 user reviews.

Company History:
Union Mutual was founded in Maine in 1848. In 1864 Union Mutual reinsured Chicago Mutual Life, making it the first American company to re-insure another business. Union Mutual changed its name to Unum in 1986 and merged with Colonial Life in 1993. In 1999 the UnumProvident Corporation was formed with the merging of Unum and Provident, and in 2007 UnumProvident changed its name to Unum Group. Unum Group has 3 main divisions: Colonial Life, Unum US, and Unum UK. In 2013 Unum was placed on Forbes list of Ameri..Read More

Lines of Insurance:
Life, Disability

States licensed to sell insurance in:

Unum Satisfaction Survey

Overall, how satisfied are you, with Unum?

  1. Please select your insurance company from the following list:

  2. What insurance policy/policies do you have with this company?
    (select all that apply)
    Auto   Home   Health   Life   Other

  3. How long have you had a policy with this company?
    Less Than 1 Month
    1 to 6 Months
    6 Months to 1 Year
    1 to 3 Years
    Over 3 Years

  4. Overall, how satisfied are you, with your insurance company?
    Extremely Satisfied
    Very Satisfied
    Somewhat Satisfied
    Very Unsatisfied

  5. How likely are you to renew your insurance policy/policies with this insurance company?
    Might or Might Not
    Probably Not
    Definitely Not

  6. Would you recommend this insurance company to your friends and family?
    Might or Might Not
    Probably Not
    Definitely Not

  7. Have you ever had occasion to file a claim with your company?
    YES   NO

  8. Please provide any comments about your insurance company that would be useful to other consumers.


Contact Information for Unum

Company Contact Info:
President/CEO   Thomas R. Watjen
1 Fountain Square
Chattanooga, TN 37402-1330

Unum Reviews and Customer Comments

"I have never seen a company more completely inept than Unum. A family member of mine has been struggling with a medical issue recently, and her employer contracts with Unum for short-term and long-term disability benefits. It has taken them no less than 6 months to process and approve her claim, which was fully covered by the policy that her employer has with Unum. It is understandable that it may take up to a month to approve a claim, as it does take time to requestgather records and to review the details of the claim and send it through proper channels of approval. This has taken MONTHS longer than was necessary, largely due to lack of action, lack of follow up, and lack of communication between several Unum employees. No one seems motivated to do anything quickly, and once a task is completed i.e. records request or a request between departments it is left to sit for days or weeks before follow-up is done. It is frustrating that the short-term claims and long-term claims are handled by separate departments who do not have access to records from the other department, even if it relates to the same patient and medical issue. It is understandable that these may need to be handled separately, although records should be readily available to both departments working on the same claim. In addition to this, there is no urgency whatsoever to communicate between the two departments. In this case, the long-term claim was approved, and the patient was told that they were waiting on short-term approval before sending any funds at all. However, no one in long-term reached out to anyone in short-term to advise them of the approval or trigger the next step in approval for the short-term claim. This delayed the short-term approval by 2 additional weeks. Funds have still not been received, even though both claims have been approved at this point. In the meantime, the patient has had no income at all. Her medical issues have caused significant stress and disruption in her life. To have no income for 6 months and deal with creditors, lack of grocery money, lack of funds to pay utilities and rent, and the ever-present possibility of homelessness is absolutely ludicrous. This has been more harmful to her than helpful. Because of her medical situation, she has not always been able to make daily phone calls to follow up with Unum and try to facilitate records requests, answer questions, and generally try to push the process along. When follow up calls were made, they were often not returned for days, or not returned at all until another follow up call was made by the patient. It is clear that Unum employees are either significantly overworked, or simply not interested in doing their jobs. Their action or lack thereof has a drastic effect on the lives of the patients. They need to be reminded of this. Since the opening of this claim, the patients employer has thankfully contracted with a different company to provide these benefits. This is a welcome change and provides relief at the prospect of any future claims, as any other company in the business is surely a better choice than Unum."
Commented on 2019-06-04 08:42:09 EST
"Do not purchase any sort of coverage from this company. I have been fighting with them for almost 90 days now regarding two open claims I have. Each time I call, they request a document that my doctor already sent them. Each time I call, they claim that they reached out to me and did not get a response. I do not get any help from their customer service, they redirect you to to their customer portal, which doesn't explain what you need to do. They owe me 8,000 in disability plus another 800 in hospital stay. They look for any reason not to pay you. I know that all insurance companies may do similar practices however when I had MetLife coverage and paid less monthly for it, I did not have these issues. I am in my mid-thirties, have now had 3 hospital stays and one surgery. I work for a commission-based company so if I don't work, I don't get paid. I have had to take out loans against my 401k - all because this company will NOT PAY OUT what is owed to me. I cannot stress this enough - STAY AWAY FROM THESE SCAMMERS."
Commented on 2018-11-20 09:39:59 EST
"FRAUD Causes emotional and physical stress. Disregards proof of medical and continues to ask for more, which doesn't exist. Even my doctor's were confused"
Commented on 2018-06-07 13:52:30 EST
"UNUM should never be considered for benefits by anyone. They provide policies intended to protect injuredill employees in their most vulnerable time. However, through doctor harassment and bogus policy provisions they add additional insult to your injury. They sent a complete drunk to my home for an occupational visit and a month later with no call or notice discontinued my payments. Any company using UNUM as their short term or long term disability carrier should be ashamed and if they are not ashamed they are in cahoots with a joke of a company."
Commented on 2018-04-23 23:00:51 EST
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