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Unum Review

Unum Company Overview

Customer Rating:
Rating: 1.5118 Reviews Unum has received an average of 1.5 stars out of 5 based on 118 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?
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    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
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    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 will write this about me but I am only one person in thousands or maybe millions. Millions is more likely since this includes people from all over the world. I have always been a hard working person and picking a career as an auto technician and working hard to advance thru the years to the highest level as a Toyota Technician should prove this fact. I want you all to know this because I am a tax payer, voter, father, husband, brother, and law abiding citizen. Here is my story. Seven years ago while I was at work, I fell down. I started dropping things from my hands. I noticed that I was gradually losing strength. I wasn't myself anymore, and slowly losing the ability to do my job. I was paid on a commission type basis. So if I couldn't work as hard and fast as usual then my pay amount dropped. I fault for a few more years as I struggled to continue. Of course I had medical insurance, short term disability, long-term, and death insurance. I have paid for these policies for over 30 years. About four years ago, I had to leave my job due to illness and it was really becoming unsafe for myself to even be in a shop. During these years I have seen a handful of Doctors that struggled with diagnosing my issues. A clear diagnosis was uncertain and Unum isurance company demanded one. But what these doctors did agree on was that I was disabled and continuing to get worse. I was unable to continue to perform a mechanics job by far and the doctors noted this in their records. I was eventually Diagnosed after years and multiple doctor visits, I even took a plane to Rochester, Minnesota to the Mayo Clinic for a second opinion. I am now considered a patient there also. I hope you are still reading along and I'm not boring you so far. Well, I find this very hard to say, but I have ALS disease. Amyotrophic Lateral Sclerosis, Lou Gehrig's disease. As you most likely know, My days are numbered and there's No sunshine at the end of my rainbow. But this is not a pity party about me. My whole life was about providing for my loved ones. I am so saddened that I feel that I let everyone down because now they provide for me.This was not in my game plan. I had UNUM insurance whom has worked over time on denying my claim. They ignored my doctors opinions and records, they went way low on my estimated yearly salary, and they prolonged any judgement about me collecting any funds. which also cost me my savings. They flooded my doctors offices with letters and ringing phone calls for info that they could use against me. I had one doctor out of about 7 that I have seen in the very early stages of this disease that I had seen while I was still working that told UNUM that she didn't feel that I was disabled. I wasn't far enough along to confirm any diagnosis. She also didn't care to research my illness. So I fired her. Unum used her records as their source to refuse my situation. I had to sue UNUM. My attorney told me that I couldn't sue for damages because Congress passed a law that prevented these types of lawsuits. Unum caused me so much stress that my health was really taking a hit. The attorney said that due to a bill that congress passed stated that I can only sue Unum to force them to honor the policy that they sold me. This means that Unum has no recoil to deny claimant claims. So they Steal and rob from their customers constantly everyday. This attorney was going to take benefit money's from me that was rightfully mine. This attorney recently dropped my case. He said that there's just not enough money in it to fight them any further. Unum gets to deny me, keep their money. I get NOTHING.... My family gets NOTHING. When I die and I will, There's NO insurance money to help them that I paid for for so many years. I now live on my wifes income. She works over-time everyday. My mother died about nine years ago and left me about 100k dollars that I put in saving, it's all gone now, spent on bills. We have been searching our home for stuff to sell. I live in Spring Texas in a nice 250k house that we have called home for so many years that is now going up for sale. I was denied Social Security benefits also as a normal thing that I have been told. My attorney has dropped appealing this also. I guess what I am trying to tell you is that, I understand that people shouldn't be able to sue insurance companies for millions of dollars or for profit. But if there's a law that states that a person can sue an insurance company for POOR FAITH If Proven for five times the benefit amount, then these insurance companies wouldn't mess us over so badly. Just maybe they would be forced to take care of all the others that are legitimately disabled like they promise to do so in their policies that they sell us.I have read so many other people's comments about what Unum has done to them. I even read one about an ex-employee of Unum getting messed over by them. This is a crime or should be. I wish you all good health now and in the future. And I prey to GOD that you never get sick or have Umun insurance or any other insurance company that is in business to steal from us. Don't ever put yourselves in our positions. Thank You for reading my story. My wishes is for everyone to take notice of this and copy and paste it. then send it to anyone and everyone on the internet, Government offices, State Reps, etc.We the people need help Badly. I hope that I'm still around to see change in this. Thanks Again, [signed]"
Commented on 2019-08-28 12:12:35 EST
"I was sold Critical Illness Insurance from UNUM through my employer, we were told it would pay out a lump sum to help with expenses for things like Cancer, Heart attack, ETC. I was diagnosed with Malignant melanoma which is cancer and they denied my claim, they stated that my cancer had not become bad enough for them to pay out. so I had five thousand dollars coverage supposedly. they didn't pay me a dime and now I am left with thousands of dollars in bills from the four surgeries I've had. I would never recommend this insurance company to anyone."
Commented on 2019-08-06 11:25:09 EST
"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
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