UnumProvident Insurance Company

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Select an insurance Auto and Home Auto Home Life Health Long Term Care Are you currently insured? Yes No Enter ZIP UnumProvident • Consumer Complaints • Reader Comments News: • UnumProvident Agrees to "Sweeping Reforms" • In Settlement with NY, Unum Agrees to Review Denied Disability Claims • Unum Class Action Filed • $31 Million Jury Verdict • Georgia Fines Unum $1 Million

A class action suit charges that Unum systematically denies disability claims. The complaints we receive do nothing to dispel that notion. For a particularly outrageous chain of events, see Judy's Story.

Janet of Pasadena, TX March 17, 2008

Janet of Pasadena TX (03/17/08)
I am suffering from chronic fatigue idiopathic hypersomnolence and had 3 or 4 doctors state I was unable to work. The company initially paid disability and later denied them because a 'conclusive diagnosis' did not exist. I was evicted from my apartment and had to move in with someone because I couldn't work and had no income. Now, in 2008, I am still suffering the same illnesses. With more specialist. I am near exhausting my fmla allowances and cannot work a full day most days. I fear I will have to stop working and hope to get ssi benefits. Recently I called, emailed and faxed unum to get copies of my records. They have not been helpful, rather they pass me around and say someone will get back with me. I need some help. The attorney in Houston wanted 200 just to talk to me about my case.

Economic damages: no longer could be independent, moved in with then boyfriend who had to pay my last 2 months rent on the apartment. Could not get unemployment because I was not well enough to work. Found a job working from home, but later the company wanted me to commute. I could not stay alert enough to drive the distance and I quit that job. Stayed off work for a few months and found a low paying job at the city of Houston. I have been ill off and on throughout, but in October I had a serious episode with this illness. I was off for 2 months, then went back part time. I cannot seem to make a full week of work because of the exhaustion.Ii have a sleep specialist, neurologist, endocrinologist, primary care, psychiatrist and in April they have referred me to a rheumatologist.

Patricia of Somerdale, NJ February 26, 2008

Patricia of Somerdale NJ (02/26/08)
I filed for disability benefits back in the year 2000. From the day I filed with Unum, I was constantly harassed with calls, asking if my condition had changed, improved, etc. It was permanent! I really don't know how these people sleep at night. I was diagnosed with Meniere's Disease, which causes profound deafness, which I have now, and balance, equilibrium problems, nystagmus, ringing in the ears, everyday.

When my SSDI came through, oddly enough, they (Unum) decided to pay my claim in a lump sum. It came the same day as my SSDI did. I was told I could keep it. They bugged me every month because, heaven forbid, they had to pay me 100 dollars each month. That was my benefit. I was later put in collections for the 3,000.00 they had paid me, and I had to empty my pension to pay them back. They got off scott free.

As the years have progressed, my disability has gotten worse. I have fallen down my apt stairs and have broken my right foot in 2004, requiring reconstructive surgery. I had PT for 2 years. I recently in October re-broke the same foot. I walk with a cane now. I'm only 46 years old. I'm a prisoner in my own apt. (second floor) because I don't have enough money to move, and my apt. wants a 400 dollar transfer fee. I don't know how Unum employees sleep at night. They get away with not paying and leaving the government to foot the bill. I don't see things improving for myself and I feel deeply for all of you who told your stories.

Had to go into my pension and withdraw all my money. 3,000.00. Physically, I fall to the right, and mobility is an issue. They told me I could still work! I'm stuck on a 2nd floor apt. with no way to move. What I get paid a month, 892- apparently is too much for any kind of assistance. I live alone. And my disability gets worse each year.

Anna of Baldwyn, MS February 22, 2008

Anna of Baldwyn MS (02/22/08)
I worked for Rooms to Go for 3 years. I was hurt on the job and started receiving long term disability from Unum Provident insurance. I was disabled for life and it took 3 years for social security to approve my claim . After they did, Unum now wants the same amount I got from social security back. They told me that Rooms to Go put this clause in the policy. Is there anything I can do to stop them?

Carmen of Clarksville, TN February 22, 2008

Carmen of Clarksville TN (02/22/08)
The denied a disability claim that should have been paid in 2006, causing me loss of income.

Jim of Mancos, CO January 23, 2008

Jim of Mancos CO (01/23/08)
I purchased a long term care insurance policy from UNUM about ten years ago. Each of the last two years they have increased the premium. They say can do this under the terms of the contract. The contract says that tho they won't increase the amount due to age or illness they reserve the right to increase the premium if they increase everyone's premium in the associated block that the premium falls within. I would love to know if the block actually is in fact tied to age because of when it was written. At the time of purchase we were led to believe that there would never be any increase.

What this means is that they can keep increasing the premium without cease each year forever. If I choose not to participate I loose the premiums for the past ten years. Or - I can lessen the amount of coverage from what it is now - Or stop paying and only receive the benifits accrued so far.

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