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Unum Review

Unum Customer Comments

These are comments left by site visitors who have completed a survey for this company. The comments are unedited and shown in the order the surveys were received. If you would like to participate, just click the "Take a Survey" button at the end of these comments.

"Purchased this 'whole life' policy for myself and my husband 30 years ago as my husband was a TWU Local 100 Member and employee of MABSTOA. Husband died 20 years ago and company paid life insurance claim readily. Continued my premium payments. My bad - did not realize that policycompany in intervening years was sold and whole life policies were converted to universal life policies and premiums just keep going up. I just got an invoice telling me that I have to pay them 954. now to keep my 78K universal life insurance policy AND up my monthly payments to 210month from the current 61month. What are they doing with the investments supporting this insurance How are they managing this pool that I now have to keep paying more and with surprise letters pay close to 1,000 now or lose a policy that I have had for 30 years Not nice and professionally not well managed. Bye Bye Unum Keep my 20 years of premiums."
Commented on 2017-12-24 10:58:17 EST
"Used the old 'fine print' routine to deny me short term disability payments. This company is the perfect example of why people dislike insurance companies in general."
Commented on 2017-11-15 22:02:42 EST
"This company is terrible"
Commented on 2017-09-02 14:57:30 EST
"I was on short term disability for a while and had to switch to long term disability. My long term disability was supposed to kick in, and they denied me one week before it should have kicked in, so now i am getting no paychecks when I am sick. Long term disability said i was no longer disabled as of February 6th, but i continued to receive payments under my short term disability policy. Both policies are exactly the same except for the elimination period, so how can i be disabled under one policy, but not disabled under another Unum keeps telling me its because of the way the policy is written, but when i show them how the policies are the same with regards to how they determine if someone is disabled, they cannot explain how i can be disabled by one department but not another. WORST company i have ever dealt with, and i have dealt with a lot of companies in my line of work."
Commented on 2017-08-18 08:39:51 EST
"My mother has long term care insurance from Unum. Although there was a lot of paperwork and phone calls, I was always treated politely and professionally by the agent. It always seemed like she was trying to help, which she did. My mother's care at her assisted living residence is being covered by Unum. I'm sorry others didn't have the good experience we had."
Commented on 2017-07-11 07:25:33 EST
"They will deny your claims. As often as possible. Technicalities that are not stated on any literature that I have. One representative will say yes you should be paid sent in claim and denied because was in the hospital for same problem. Do not trust them, anything to screw you out of what you should be paid. AFLAC is much better then UNUM switching back to AFLAC"
Commented on 2017-06-09 10:59:58 EST
"I have whole life hospital indemnity insurance which covers hospital stays, ER visits, any procedures while in hospital - basically whatever your normal insurance wont cover - they decided to deny my claim stating that I had no coverage - EVEN THOUGH I PAY FOR IT ON EVERY CHECK. I was in the hospital for 9 hrs, missed 2 days of work with documentation and had plenty of labs and diagnostic test done to make sure I was OK to return to work, and they are trying to get out of paying my claim. WHY ELSE would I have them"
Commented on 2017-04-25 07:36:59 EST
"Refuse to pay you benefits Horrible"
Commented on 2017-04-17 16:11:29 EST
"Unum is the worst company I ever dealt with they will do anything to stall and deny a legitimate claim. No mater how much paper work you provide they always want more. They just want you to go away."
Commented on 2017-03-02 12:04:59 EST
"I dont know why everyone is so angry with this company, they gave me no hassle approving my claim they approved it after one day and sent me a check"
Commented on 2017-02-18 07:38:06 EST
"Worst company and service for life and accident insurance. This company overcharged me 430.72 for the policy and issued a refund check that was overdue for cashing. I called in 4 times for it over the past 4 . Every time, I was told that the check would be re-issued and the manager would call me back if any question. I never see the check issued and Nobody ever called me from UNUM. This company just simply hold my money there and not give me back. DO NOT EXPECT THIS COMPANY WILL PAY YOUR BENEFIT WHEN YOU NEED"
Commented on 2017-01-10 08:58:49 EST
"Run away from UNUM. FAST This is what is happening to me..and seems to be the standard from UNUM. UNUM has paid me 2 mos. of long term benefits after my becoming disabled. UNUM says I have to pay them back from my SS. Or my retirement.Or any other source of what UNUM considers income. And check this out...UNUMs REP TOLD ME THAT THEY CAN APPROXIMATE FUNDS THAT UNUM BELIEVES I MAY HAVE may have COMING IN FROM SOME OTHER SOURCE AND ARBITRARILY REDUCE MY MONTHLY PAYMENTS THAT WAY TOO Is this legalAnd if I don't sign the Benefit Payment Option form UNUM will reduce my benefit to 100 monthly. This form is a lien that assumes I will lie to UNUM and asking me to give UNUM permission to monitor my bank account. so that they may automatically remove funds from there in the future And to give up my right to take legal recourse. UNUM did not inform me of this fact until my short term disability payments were finished AND I had receivedand paid bills with... my first long term disability payment. UNUM actively pushed me towards filing SS and after I told them I was currently in the appeal process UNUM tried to get me to drop my lawyer who was pursuing SS on my behalf so that theyUNUM could 'help' me with my case instead.I had to tell them 3 times, at least, that I was not firing my attorney. I spoke to a rep about this form who said UNUM would send me a different form that did not call me a liar nor ask me to relinquish my legal rights to recourse when they sent me a copy of the policy. UNUM has not yet done so although I did receive the copy of just the policy.This is the first time I have seen a copy of the policy although I have been making premium payments for 11 years through my employer.To my knowledge my employer never offered me a copy of the original policy or I would have NEVER wasted my money on this mess once I read it...I think UNUM is a dispicable company operating on bad faith and and slight of hand."
Commented on 2016-07-27 13:53:59 EST
"This is not an insurance company they practice bad faith comstantly. Delays are the norm and they have constantly asking for more information about everything. The company is so bad Federal sanctions were set against it and they still don't follow them and have been caught. My question is why is this headache allowed to do business in this state as a matter of fact there are a couple of attorney on Piedmont in Atlanta that mention Unum in their ad on the net. I signed up for them at work thinking that since I work at a major hospital that they did have decent short term disability WRONG. I am now 100% disabled through the Veterans Administration and Unum has yet to fulfill its obligatiion. They are the worst company I've ever seen. As a final note Enron was more honorable than Unum because this company is cheating the disabled and having the Star of Georgia pick up the bill."
Commented on 2015-11-06 10:10:44 EST
"This is an extremely high cost insurance with very low pay out. You would be better served to escrow into your own account the amount you would pay them in premiums and be self insured. I have never seen such high rates for such low payments. They totally took advantage of my elderly parents STAY AWAY"
Commented on 2014-11-17 12:33:16 EST
"Been 2/12 months since initial filing. Just told it could be another 30 days. Meanwhile no way to pay rent. Talked to supervisors got nowhere."
Commented on 2014-11-17 10:09:59 EST
"Once they had me file FOR S'S I and I received it. They calculated that I should had received X amount and when I received considerably less they stopped paying me. Their appeal process is internal and their job is to insure that they don't pay out any money. I have been fighting with them for almost a year. They do admit that my disabilities are real. They hide behind laws meant to protect average people. They are the biggest ripoff and theives. Stay away from them. They only care about their bottom line not the insured."
Commented on 2014-10-16 20:34:38 EST
"Stay from Unim they will harrass you with paper work an your Dr. . They are Wolfs in Sheep skin . "
Commented on 2014-10-14 19:36:49 EST
"Unum makes it very difficult calling several times prior to during and after hospitalization. I don't feel well and I'm too disgusted to even question what they are telling me - they are like telemarketers who pressure you into agreeing to the return to work date they provide...not what your doctor tells you."
Commented on 2014-09-26 11:08:03 EST
"In my opinion STAY AWAY.They took four month's to tell me that I did not qualify for their LTD after my company has been paying premiums to them.They asked the same questions over and over from me and my poor doctorI feel sorry for him for having to deal with them and all along they knew it was not going to be approved.This is after the doctor said I could never work againbeen with the same job over 25 years.STAY AWAYSTAY AWAY "
Commented on 2014-09-25 07:37:53 EST
"In my opinion..STAY AWAY..It has been 3 months since I applied for my LTD thru themall I hear is we are sorry but we need more informationmore information...again and again..I have had all my papers filled out and even my doctors and called for me..still no response"
Commented on 2014-08-15 06:21:57 EST
"I was on short term disability 3 years ago for back surgery.Everything went very well with the company my employer I had to go out again after my employer changed insurance companies.WOW what a difference...They constanthassle me for information and more infomationnot to mention what they do to my doctor.I would never recommend them to anyone. "
Commented on 2014-06-04 08:30:05 EST
"They will harrass you to have your dr. to fill out excesssive paperwork. They make you feel like you are a charity case and that you are trying to deceive them .DOCUMENTED MEDICAL CLAIMS are not good enough for them they will hound you and your dr.over and over again for more and more information. My dr gets annoyed and I don't blame him."
Commented on 2014-05-27 20:16:18 EST
"Deliberately sleazy liars that should be legislated out of existence."
Commented on 2013-12-30 15:53:19 EST
"Slow to act on claims. When I called in to find out why my claim has not been settled the Unum reps just came up with numerous excuses why. Blaming different offices that had nothing to do with my claim. I am still waiting on settlement now for over 20 days. My settlement is for temporary disability which should have been only 7 days. "
Commented on 2013-10-25 11:16:14 EST
"Unum employees lie are trained to lie and lie so that they can make more money while denying benefits to customers who have legitimate claims and for which they paid. This company employs sociopaths who are hostile and sarcastic. They obviously are interested in only their bottom line and have a conflict of interest in that it is to their benefit to deny and their detriment to approve customer's claims. Everything that has been in the news about Unum is true. I have experienced something I thought only happened in the movies. What's most insulting is that they obviously consider me to be enormously stupid their lies are so shallow and inconsistent only a chimpanzee would not see through them. I can't believe that this company is able to operate in the U.S. They are inhumane. I thought that there are treaties to prevent torture I am a prisoner of my disease and Unum is the wicked jailer who is paid to torture me."
Commented on 2013-08-04 19:35:37 EST
"Simply stated - UNUM sucks "
Commented on 2013-06-28 09:49:16 EST
"They do everything they can to not pay what they legally owe. Scam artists at best not an insurance company."
Commented on 2013-04-27 18:14:21 EST
"Make sure you have an nestegg cuz you wont receive payments for atleast a month. They do not have your best intrest at hart TRUST ME."
Commented on 2013-04-12 06:40:57 EST
"They did every thing in their power to either not pay or reduce their payments in my disability claim. They never paid the full amount per contract that the company had with them. The company I worked for now do not use them due to all the problems they have had with them. Run don't walk away from this company"
Commented on 2013-04-11 11:10:52 EST
"required me to file for SSD SSA told me to try to get my retirement from my ex-employer I did so and now UNUM sads they are entitled to that money"
Commented on 2013-03-29 19:33:31 EST
"The company looks for any excuse to deny a legitimate claim. Do not consider them if you have a choice. My insurance was provided by my employer. The system is riddled with conflicts of interest which are used to the benefit of UNUM. "
Commented on 2013-01-04 13:58:28 EST
"They will take your money then force you to sue them in order to receive a claim. Personal experience."
Commented on 2012-11-03 12:32:30 EST
"They are extremely rude and very condescending in their tone and actions toward me as deminstrated in the handling of my claim. I believe in their mind everyone has a criminal intent."
Commented on 2012-10-19 07:27:09 EST
"Stay away"
Commented on 2012-10-12 23:51:26 EST
"They are crooks why dose the goverment let unum get away with it"
Commented on 2012-09-20 17:36:01 EST
"Do not under any circumstances purchase any type of insurance from Unnum. They are crroks and scam artist. If you do you will very sorry."
Commented on 2012-08-10 13:40:23 EST
"They take your money draw you into a false sense of security then shaft you when you need them the most. Unum is disgraceful and warped. "
Commented on 2012-04-27 04:32:27 EST
"Absolutely unbelievable what a SCAM this company is and that in 2012 we still have companies like this out there. They do anything and everything to decline paying what they owe. I encourage a class action lawsuit."
Commented on 2012-03-09 11:23:45 EST
"Do not go with Unum."
Commented on 2012-02-14 16:19:53 EST
"This company is as bad as it gets. As a result of their constant denials excessive paperwork and constant badgering I am looking at loosing my job. Thanks for nothing UNUM."
Commented on 2012-02-13 20:41:18 EST
"I became ill with a chronic illness UNUM paid my std claims as soon as my MD sent in requested information. I would recommend UNUM to anyone it has been a blessing."
Commented on 2012-01-30 12:44:03 EST
"My 88 yr old mother has had indivual UNUM LTC policy for only 8 years and had a stroke 12 mos ago. After being in nursing home 9 weeks we moved to assisted living and after the 90 day elimination period UNUM has sent 3000/mo auto-deposit to bank. Some paperwork required of course but very cooperative and no hassleMy dad had UNUM also and they paid 3000. /mo for the 3 yr max for him also. I understand most problems are with GROUP plans which UNUM is no longer offering."
Commented on 2012-01-27 09:53:41 EST
"Appauling company who harass doctors with surveillance of myself therefore questioning a medical professional on their ability to report on medical evidence such as ultrasound scans....who do they think the are "
Commented on 2012-01-08 07:31:38 EST
"DO NOT USE OR SUPPORT Customer Service is horrible. If you are an investor youre doing good because with just a little internet research it is evident they show great the expense of claimholders."
Commented on 2012-01-07 00:25:23 EST
"They will only approve your claim for a short term. They will say that they dont have enough medical info. They are never satisfied with your medical history."
Commented on 2011-12-13 11:04:44 EST
"This company is as sleazy as my employer. They do EVERYTHING THEY CAN to dodge claims. EVERYTHING. They lose paperwork that is repeatedly filed with them. They suck. Worst insurance company ever. Its astounding that they are allowed to continue to operate."
Commented on 2011-12-13 10:06:07 EST
"Numerous issues with Unum. I called them on my last day of work which first they got the date wrong in the letter my Manager received the week after. Then they had be going back to work BEFORE I even had my post-op appt. with my Dr. How can I go to work before my Dr. is even releasing me to drive Then even before my surgery I got a different story from 2 different people so I ended up conferencing them in with the girl at my Drs. office who does the STD stuff. After Unum hung up even the girl from the Drs. office stated that she hates having to deal with them because every time she sees paperwork come through that the patients STD company is UNUM she knows shes going to have issues. When you should be spending time recooperating you spend it on the phone trying to get things straightened out. DO NOT GO WITH THIS COMPANY"
Commented on 2011-11-29 17:20:15 EST
"I felt I was misled in filing the claim. I was very general on a simple form. Unums denial was very complex and specific."
Commented on 2011-11-28 13:33:31 EST
"They denied my claim they didnt want to pay extra 4 weeks for short term disability after my 2nd. C-section. After 6 weeks of disability my OBG-GYN determined and put it in writing that I needed 4 more weeks to recover. They didnt want to pay for that even though my physician stated I was not ready to go back to work. "
Commented on 2011-11-08 13:14:05 EST
"They find ways to keep from paying. I was off for 10 weeks they paid for 4 weeks because in their opinion a woman can return to work 4 weeks after a c section."
Commented on 2011-10-27 04:04:40 EST
"I have Parkinsons disease and did work for as long as I possibly could before leaving and filing first a short-term disability claim 190.00/week and ultimately a long-term claim 70 of my former income. Although the process was tedious I have found that I am always treated with respect and kindly. I appreciate the fact that ONE representative handles my claim and I am not sent into a general queue where I have to explain everything from the top each time. Although we have nearly went belly-up while receiving the meager 190.00 short-term amount for 6 months I still live in my home and have some food in the kitchen. Although the business of disability insurance by nature is a slow and meticulous process Unum has in fact taking the extra steps to treat me like a human going through a hellish loss of functions. For this I say thank you and would recommend Unum coverage to friends and/or family. "
Commented on 2011-09-05 01:55:54 EST
"Had Major open heart Surgery, 3 weeks later UNUM(Short term Disability) through Northrop Grumman Corp, is calling to ask when my return to work date is! The lady asked me 3 times...This procedure requires 6-8 weeks at home recovery. When I asked "Are you badgering me to return to work early?" she changed her tune. Its all about money!!!! "
Commented on 2011-04-18 08:39:58 EST
"I am unable to work because of severe chronic pain. UNUM coverered my disability for two years, then decided to drop me because I had the ability to lift 20 pounds. Let me add that that ability is not something I can do on a regular basis, due to my pain. So after 35 years of being a registered nurse, I was expected to find a job as a low paid laborer, even though my policy specifically said they would provide coverage if I could not work as a nurse"
Commented on 2011-03-21 05:38:16 EST
"Difficult to file claim. You will never collect on disability claims unless you are in hospice and even then it may be contested. This is a collection agency for premium dollars. Change companies while you can. "
Commented on 2011-03-03 20:59:16 EST
"Have paid my premium for over 20 years. When I needed help I was not only denied but the letter was insulting to boot. I have hired an attorney and this process has lasted almost a year so far and I am still paying the premium. I have no doubt the will refuse to pay. Thanks for all the non help UNUN> RUN away from this company."
Commented on 2011-02-14 10:27:57 EST
" Do not purchase a policy from Unum. Even if you would receive benefits, their claims handling practices will grind you into the ground. I purchased disability insurance from them to help me should I become disabled and need help. They are my #1 barrier to recovery demanding the same informaton over and over again saying they never received it. They call my home only to hang up when the phone is answered. Every month, they are late on disability payment and pay seemly only when I call. Other services purchased in my policy are denied or ignored. DO NOT PURCHASE FROM THEM!"
Commented on 2011-01-27 11:48:00 EST
"No negative comments. Paid claim timely as long as we provided records requested."
Commented on 2011-01-14 13:31:59 EST
"In order to collect on your disability claim you need to be in hospice or a wheelchair. Otherwise, expect private investigators to follow you. Your claim will almost certainly be denied. Save the aggravation, use another company."
Commented on 2011-01-07 19:51:31 EST
"Unum has been a life saver. I have a neurological condition that finally made it impossible for me to work. Unum has been a bright spot in an otherwise horrible situation. "
Commented on 2010-11-08 12:38:17 EST
"too much paperwork.Thet constantly bother you while you try to get well.This policy is a std policy"
Commented on 2010-09-24 06:20:19 EST
"This company does STD claims for my employer. They are terrible. You sign authorizations so they can talk to your physician yet they badger you every wk for more info(never call the MD) while you are trying to get well. They send late letter i.e monday afternoon stating your STD is cut off Tuesday unless they get more info (yet you just sent info). No explanation of decisions. Its a constant uphill battle while you are trying to heal. They will only OK 1-2 wks at a time even for the most extensive illness or surgery. 5 other people in my company had the same experience. "
Commented on 2010-08-29 07:51:03 EST
"Absolutely outrageous company, sociopathic organization. Where is the Federal government? Federal judges slam UNUM again and again- see "Merrick vs. Paul Revere" "James C. Mahan" judge- yet this completely unethical company is still in business. Read this case, it can be downloaded. It is enlightening!"
Commented on 2010-07-20 08:37:23 EST
"This is a horrible company. They dont give a rat's behind about your condition and could care less. As if I dont already have enough going on... Paperwork Paperwork Paperwork, that is ALL they want!"
Commented on 2009-05-14 06:08:34 EST
Commented on 2009-04-20 10:22:35 EST
"It's hard to really access the information you are searching for in their database. Have read several review about this company and have decided to drop my policy."
Commented on 2009-04-15 10:18:28 EST
"The company interfered with my rights to policy conversion after my employer closed the manufacturing plant; the employer has international standing. I could not get a conversion application and lost my 31 day conversion rights. But after reading their reviews, it would be better to find an ethical company for insurance. Makes me wonder about the employer too."
Commented on 2009-01-30 16:58:14 EST
"UNUM seems to make a practice of making sure all disability claims with validity are thrown over to social security disability. I doubt they pay out on man of their policies"
Commented on 2009-01-30 08:48:55 EST
"Don't buy a disability policy from this company. They only want premiums and never want to pay valid claims. There are likely not more complaints against them because legal settlements usually require a nondisclosure clause."
Commented on 2008-12-30 10:37:10 EST
"I got denied for short term without much explanation. They have dragged out the appeal process by saying they never received information. They have also denied two other people that work with me. They are quick to take your money but not give it back!!!"
Commented on 2008-04-25 18:37:56 EST
"Our policy is for Nursing Home Insurance and when taken out, the premium was supposed to NEVER raise, but they got by that by saying they raised EVERYONE'S in Iowa. I've heard they have had numerous(?) claims filed against them for lack of pymt. Just trying to verify and from whom they refused to pay these multimillion dollar claims?"
Commented on 2008-03-05 11:56:51 EST
"They will do anything they can not to pay your claim."
Commented on 2007-07-12 06:41:56 EST
"Unum will do everything in their power to deny your benefits. They will engage you in months and months of paper work, doctors reports which they will say they never received or are not satisfactory. It is impossible to get through their heirachy to reach a supervisor. They are listed under one of the largest insurers in the US. Yet, they been successfully ligation against them and a class action suit in the millions. They have given me nothing but heart ache, while I am already diagnosed with 3 serious and documented medical problems. "
Commented on 2007-07-09 13:23:57 EST
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