Unum Insurance Company Reviews

I filed a claim in May for a shoulder injury. I sent in all of my initial documentation and waited. I finally called to check on the claim when it reached 30 days from filing (with no payments or approvals made) and was told they need ALL of the doctor's appointment notes and clinical notes from PT before they can process it, but the case manager acted as if they were going to deny the claim even with those. I have paid for years through work to have this coverage in case of something like this happening, and now that I need them they are trying to deny my claim. I have not had income since filing my claim 5 weeks ago, and since I already had an attorney dealing with this injury I had him start handling talking to them. This company is horrible. If I had to bring in an attorney to get this moving that should say something.

Dealing with Unum is very frustrating. Not only are the constant mixups draining, they stalk everything about you if you need to go on long term disability. (I can understand for physical approval) How do you make a determination about someone’s ability to receive disability from their encouraging posts on social media. Social media is the fakest platform on the planet. You can show the world that you’re happy but behind the scenes you’re torn from the inside out. This company is truly a scam. Which is why there has to be further steps done against this company. I’ve never seen anything like it…

Horrible experience. I was took off of work 2/17/2026 due to my job not being able to accommodate my doctor's pregnancy restrictions. First my caseworker Nathen told me my job was the one who was going to be paying out when I asked about who the benefits were coming from whole time the insurance is who the funds come from so false information. I was eligible for benefits 2/08 and my doctor gave me restrictions 2/17 saying I could not lift anything. I turned in all the documents that was requested. They even got medical records etc from my doctor and approved me none of the documents were fake or fraud and they APPROVED me.

Horrible. No one takes responsibility for your case and a lot of broken promises of someone getting back to you.

This company has been extremely difficult to work with. There appears to be a consistent lack of clarity among staff regarding processes and how customers should be properly guided. The required paperwork was vague and poorly structured, resulting in my physician having to complete the same forms multiple times. My doctor also shared concerns about the quality and clarity of the documentation.

Zero Stars! Unresponsive, repetitive requests for same information via app or phone causing extreme delays when the consumer is hoping to be efficient and get ahead of deadlines without delay of payment. Will never purchase this "benefit" again. In future just try to prepare and put the same benefit amount in my savings account.

We found UNUM to be very efficient in processing our LTC. They were very helpful in handling our claim and it was expedited efficiently.

I am now on week four of being out of work for a serious condition that does not allow me to return. I have filled out all paperwork, faxed and uploaded to their portal. My PCP office has also faxed all paperwork, still no approval. When I called customer service the rep tried to tell me they were missing an authorization form which was the first document I uploaded. I called him out by informing him that on the portal it shows I uploaded the document two weeks prior.

If the system allowed, zero stars. I know, and Unum knows that my claim was approved. But, they need paperwork from me. They can’t tell me how to fill out said form, nor do they know who I should talk to, to find out.

If negative stars were an option, Unum would be leading the board. After submitting all required documentation, my claim is still delayed—with no clear reason. Meanwhile, executive compensation is tied to company performance, raising serious concerns about whether profits are being prioritized over people. There’s a long history of complaints, litigation, and regulatory scrutiny. At what point does accountability step in? People pay into these policies for protection when they need it most—not roadblocks. #Unum #InsuranceAccountability #BadFaithInsurance #ClaimDelay #ConsumerRights #IllinoisAttorneyGeneral #ILDeptOfInsurance #InsuranceReform #FairClaimsHandling #HoldThemAccountable

Had to miss work for 8 weeks. I only received money from this insurance company for 5 weeks, playing the game of more documents are needed. After fulfilling their document requirements, I was informed that a fax usually takes 5 days to receive and review. I submitted forms for Unum to get my medical records and had my physician send as well, still their reply was. I wasn't scheduled for two weeks extra off from work, umm, my physician said I could not return to work until a certain date, so I'm sure Unum will short-change me on my additional two checks. Worst company to do any association with. Customer service is a joke, waiting on a return phone call, is indefinite... good luck to anyone using these people. Rating them - 50. Texas

I’m extremely frustrated with my experience with Unum. First, the automated phone system is unnecessarily difficult. You’re forced to review every payment you’ve received before you can even speak to a representative, which is incredibly time-consuming and frustrating when you just need help. When you finally reach customer service, they’re unable to resolve most issues and instead direct you to your assigned agent—who is often unavailable. While my second agent was more responsive than my first, the inconsistency in support is a major problem.

This has been the most frustrating process that I have to deal. I gave in detail from the beginning why I need to take leave off from work. They would approve week by week even though my doctor gave a time frame since in being seen by multiple doctors for my issue and waiting on approvals for referrals. My mri came in with findings and the specialist and already made my appointment before findings and did not have a sooner appointment. Unum denied my extension and now I have to appeal. A whole month without being paid and now I have to wait 45 or more days for a decision to be made. They are horrible and every time they requested medical paper work or felt they needed to call the doctor it added another 5 days for review. So again a month of being in the dark and being denied. I did not want to even give this company one star.

Have been working with them for weeks and every time we submit documents, they take WEEKS to review them, and then request MORE documentation. I'm off work due to a debilitating health condition and recovery is even harder when I am left in the dark for weeks on end, only to have to restart the process over with more documentation to submit. It's obvious they are just looking for any reason to drag out the process and find a reason to deny owed coverage.

I have had a miserable experience dealing with this company. It’s nearly impossible to call them and get a human on the phone. When they do reach out to me, they ask incredibly intrusive questions with zero sensitivity. Two weeks after my double mastectomy, they called me to inquire about how “intrusive” my surgery was and can I “remember how much was removed during it.” There is a lack of compassion in their customer service, and a lack of basic understanding of the medical procedures that they are calling to inquire about. I have to continually submit the same information for my doctors every 2 to 3 weeks in order to get my leave approved for the amount of time that my doctors have requested. I will be filing a complaint with my HR company when I return to office about how awful the experience with Unum has been.

Their whole portal should be be an email system. They got literally every document factually wrong for my basic, standard paternity leave claim. Their phone maze doesn't get you to a real human. The don't have online forms or ways to just drop them a message. Literally every single time they get their documents wrong (wrong hire dates, document leave dates not matching what you tell them. Statuses incorrect. Missing parts of the leave that were discussed), you have to do a 20-40 minute painful chat support session. They will promise that another team will input your info properly and fix your forms. But they do not deliver on the promised timelines, and the documents are always wrong.

I have been waiting on claims to be approved for over a month and have not been able to take time off work due to financial reasons until my claim is approved. All my documentation has been provided and I have to follow up by calling every other day in which representatives ask me the same questions I have answered previously weeks before. It's odd given that I've paid into this insurance for so long and am requesting a few weeks of leave for mental health issues I need to address. I've left multiple messages for my claims specialist who has yet to return my calls.

This is the worst company I have ever had to deal with. They keep saying are missing documents. My doctor faxed them documents. It was confirmed and when I call them and told that it was not received. They said they didn’t receive it. They claimed that they sent the documents to my doctor. They claim no documents were faxed to them. It’s so hard to speak with someone there. They always refer you to their portal, which is not clear. Someone called me that was very rude. I have not received a paycheck because my employer is waiting on their decision. I am a colon cancer stage four survivor and I need my money to pay my doctor bills. These people are outrageous.

I’ve applied to Unum Group multiple times and continue to walk away feeling extremely frustrated. My skills and experience meet, and often exceed- the job requirements. Yet, I’ve never had the chance to speak with an actual person. The interview process relies on recording video responses, which feels impersonal and stressful. It doesn’t allow for meaningful interaction or clarification and creates unnecessary barriers for candidates. For a company that promotes inclusion, the process does not feel accessible-especially with individuals with disabilities. The hiring experience does not reflect the values the company claims to support. Overall, the process feels disconnected and discouraging. I strongly encourage Unum to improve how they engage with candidates and make their hiring practices more human and inclusive.

Just received a cancellation of my LTC policy after 20 years of payments. Their offer was to reimburse me for my payments only versus the $400,000 in LTC coverage they might have to pay if I needed it some day. What a ripoff from this insurer. I wish someone would begin a class action suit for all policy holders

They will not make a decision until surgery is complete. They want me to call or go online the day surgery is complete. I will then find out if approved or denied. The last thing you need to worry about for your recovery. I wonder what makes them think I will be in any condition to do this. If denied, I will have to fight this. I am expecting a hospital stay for a while. I hope I am getting paid for this. Do not use this company. I am only using because my place of business is using for any leaves. The company I work for definitely did not do their research. I work for a very large reputable company.

The phone number is pointless and will loop you endlessly through an automated service. Good luck reaching a representative and figuring out why things are taking so long. They don't care as long as they don't have to pay more than the bare minimum for workers. I'm on my 4th call and still can't get through to an actual person.

Received all of my information promptly, and were quick to resolve any issues. Everyone that I spoke with was friendly and professional. They were quick to call back when scheduled for a call, I have no complaints.

Lazy customer service. I had surgery on 1-15-26 that has me off for a month. All paperwork has been done since 1-17-26, but still under review as of 1-14-26. I go back to work in two days and after talking with them still haven’t received a dime

I called regarding my short term disability a week and a half before my surgery. I gave them all my information including the hospital’s, surgeon, day of surgery, type of surgery, last day I will be working to when I’ll be back. I said anything else I need to do she said no. I even went on the portal/called and everything is in review.

I wouldn't recommend UNUM if they were doing the work for free. They are the most incompetent and unprofessional group of people. I underwent a bilateral prophylactic mastectomy w breast reconstruction surgery and was told that I could return to work in 4 days post-op. It was a lot of back and forth with the representative who was working my claim to speaking with a supervisor who seem to be just as clueless as the rep. In the end, the claim was approved for the duration of my recovery but to have to deal with such a illness and the lack of compassion as if the funds were coming out of their pocket was absurd. Insult to injury, I had to go back into surgery this past week and I am dealing with the same issue, delayed claim and they have documentation to support my surgery.

Hi, just wanted to say do not buy disability insurance with Unum insurance. The insurance is a ripoff. I had disability insurance for over 16 years and paid over 3100 hundred dollars and finally needed to use it and was told I needed to be out of work 3 months before I could get any compensation. I never read it in the policy and never discussed it with the customer service after several conversations. The company is very dishonest in the policy they offer. Please be aware of buying disability insurance with Unum insurance.

This has been one of the worst customer service experiences I’ve ever had. I submitted all of my paperwork to Unum on December 19, and as of January 16, I am still dealing with delays, misinformation, and constant runarounds just to receive my payout. My case manager, has been completely ineffective. While he did return a phone call, he stated that he sent a letter to my doctor for completion. Unfortunately, my doctor’s office never received it. My doctor’s office is extremely organized and on top of all documentation, they confirmed multiple times that nothing was received. Even worse, Unum had no confirmation that the fax was ever sent. How can a company operate without any system to confirm whether critical documents were sent or received?

Expect to nitpick every detail. Multiple hurdles until you tire and are done arguing. Terrible feedback 2 months into process and still beg to speak to a rep which in turn has to speak to the claim adjuster.

Terrible Company, if you have Unum as your LTD insurance it is like having no coverage. Had a claim back in 2023, used every tactic to deny your claim especially when you rely on coverage. No resolution. With all of the complaints being filed why there is a class action filed?

If I could give 0 stars I really would. This is the WORST company I have ever came into contact with. They take their time and they do not listen to the doctor and his recommendations for time off. I am receiving intensive therapy and was told my coverage ends in 4 days. They state they need an update. Was anyone going to call me saying this? Nope! They make you literally do their job as they don't even know what they're talking about. I still have yet to receive my payment of $1500, I called today and the woman goes, "I have to ask your caseworker why you didn't get your check." Just reissue it, **!!!! The amount of time and energy you waste with these brainless ** is so wrong. Do better honestly, but I know you guys can't. LOL.

Please just save your money. This is a scam insurance that is offered by my company. I thought I was doing my family a good deed by trying to protect us from any catastrophic expenses from medical bills. They have you jump through hoops only to say sorry, tough luck. It's a scam for sure.

Almost 2 months and they still haven't started my claim, already had my time in the hospital and surgery now waiting to see if I ever get cleared or lose my job...called multiple times, automated system is an annoying loop that doesn't help at all. Can't understand the operators when finally get one on the phone, then they tell me to just wait. Even though the automated system says I'm missing files and info, they can't help. Absolute waste of time and stress. Oh, and mobile app doesn't work, operator says they know and plan on working on it...

I found no support; they deduct payments from my paycheck on time, but when it comes to disability benefits after an accident, they come up with all sorts of reasons to deny it. I find the company degrading.

The 1 star reviews are correct. You basically have to do their work to get anything done. And they fall back on company procedures to gaslight you. We don't work there. How would we know if someone Unum said can do this job is telling us wrong information. Instead of telling us, tell your workers what should of been done. To get your claims specialist, you have to request them to call. But most times they are going to rude and indifferent. I treat my pet better than they do us reading these reviews. If we were talking about magazine subscriptions I'm sure most of us wouldn't have bothered to write a review. But this is our health. Many of us get this insurance through our employer. Which means not only are we trying to get better but also KEEP OUR JOB. But Unum doesn't care. And saying sorry will not correct the harm that's been done, not only physically but mentally. These reviews are heartbreaking. I don't understand how they're able to conduct business still.

UNUM. Terrible customer support. I do not recommend this company. They seem friendly upfront and then when you need something they deny everything. I tried to reach out via phone and email and tried to negotiate and explain my case but nothing.

I have been paying for short term disability for almost 4 years and I recently filed a claim for maternity leave. Short term disability is supposed to pay 50% of wages for 6 weeks. That's only after you use all your PTO and wait a month for “elimination period”. So that means you actually only get paid for 2 weeks. But the first payment is deposited late. So the reality is you only get paid for 1 week. The way it is advertised as 6 wks of pay is grossly inaccurate and borderline fraudulent. Don’t pay for Unum disability insurance. They will take your money and give you nothing in return. SUCH A SCAM!

There is no point in having coverage if you have it through this company. They deny, deny, deny until you are forced to call and speak with a representative. Each representative you speak with will tell you something different, so hope and pray you get someone who knows something about their job when you call. I will not be able to get any further dental work done EVEN though my employer forces me to give money to this dreadful provider BECAUSE I can not afford the out of pocket costs.

The Unum app is very good but it could use an email outlet for customers who are receiving disability because I’m sure that others like me have questions that we can’t ask because when using the telephone there is no way to contact a person or the person who is case manager of my disability claim.

This is the shittiest short term organization on earth. I was disabled in June 2025. Drew benefits for 6 weeks and they cut me off. As of today Sept 29,2025. My employer cannot meet my medical restrictions. Mesha my claims manager had stated “if your employer cannot meet your restrictions you will stay on short term” That was a lie. They are bunch of liars. Don’t pay these benefits. They are useless.