Unum Opiniones 

At this point I don't eavn think your company deserves a full star ,took forever to get paid on My short term disability,owe me for my long term back to the first part of July 23,and just had
Knee surgery on the 24 of September with out my benefits now September 30,23 I'm 61 years of age, the stress is killing me, just pay the benefits due it's bs

This company is a scam! Please don't throw your money away. My dad paid on this policy from 1980 until he passed in May 2022. The last 3 years they charged him $800 a month. My poor 77 yr old mother has been trying to receive this money for over a year. They have any number of excuses: IT issues, someone must have hacked our system, "we will call you back" and never do, we will wire it Monday and never do, sorry our computers are down. They take advantage of older people during the worst time of their lives. I don't believe they have the money and will just stall old people until they just give up. Please don't put your family in this position because all your money you paid in just goes in the pockets of the upper execs.

I wish I could give them negative stars! I have been on a approved FMLA leave since March 14th 2023. I also have short term disability coverage through UNUM that's paid for through my employer. It has been a constant struggle to get them to pay me disability. My doctor has filled out their required paperwork quite a few times with no STD approval. UNUM doesn't return my phone calls after I leave voicemails. They won't return my drs phone calls. My case manager Stephanie is horrible. Their communication is non existent. For the time I've been out I have received one payment and that was on April 14th. Really? I have called and spoken to general representives and they don't make note of my calls in my file or they oddly hang up on me when I give them my social. If they would pay me my disability then my insurance benefit payments would come out of that payment but because they don't want to pay I'm having to pay my benefits out of pocket. This entire UNUM experience has been extremely stressful on top of what I'm already dealing with as fas as the reason for my leave! They are getting paid but don't want to pay people!

I have had a life insurance policy since 1988. After making some changes, I have received no regular communications, no premium notices, annual reports or notices of fees. They charged fees that were equal to the dividends the policy was supposed to generate. Now they have refused to direct deposit my surrender value check, even though they directly bill my bank account. Terrible customer service and poor investment practices.

I went on Short term disability, nothing but argueing with these people, i had to pay out of pocket for them to get the forms they need, then they said they would reimburse me I am still waiting.
Then I was to be paid till February per some lady named proche poole and they stopped payment in January.
They took it upon themselves to cancel my benifits before my seeing my Dr. for my 3 month checkup, Which is going to be Feb 10. They used my other Heart Dr. who had nothing to do with my pacer to determine their canceling my money, I am still waiting for my 35.00 reimburshment ck. I am filing a lawsuit and complaint to the BBB
These people are full of CRAP and f"ing useless

I went on disability in October of 2022. I have a short term disability policy with Unum. In over 2 months I am fighting with Unum about receiving my money from them, it's one thing after the next. I have left messages for my rep and I have not received any calls back. I have been lied to about where the money is going. Short term disability with Unum is a rip off!!!

My Mother had paid for Unum Insurance since 2008, and their Bank switched to a different company. during that switch not everything was able to be corrected on auto bill pay. in short, her insurance lapsed and unum Insurance would not honor renewing or reinstate her insurance policy. Now that she has alzheimer's, "which she was diagnosed when the unum insurance was current", she has no coverage, no help. I would not recommend unum insurance to anyone, and this actually made me think that maybe as a country, maybe we should move more toward government healthcare. if this is what private insurance is all about. Stay away from unum!!!!!! What a waist of money over the years for something that small. Crooked! The stress its putting on this family...

These people shouldn't be in business. They find a reason not to pay. I know, I had it done to me. Horrible. Just Horrible.

I was a insurance officer in a company unfortunately I experienced a horrific trauma, which left me totally disabled. Like most people in our industry I wanted to protect my family so for years I used UNUM, then I needed it. As many have experienced with UNUM it's not about you it's about the money. Don't believe a word that comes out of these peoples mouths at age 51 I should have been covered till I was 65, I received 18 months benefit. They said if anything else develops give them a call well something did happen a heart condition of which doctors said the air of the 9-11 disaster I breathed for 4 years was a contributing factor but the response from UNUM was an emphatic YOUR CASE IS CLOSED. I had no recourse there have been 100's of suits brought by AG's including mine UNUM has lost everyone of them unfortunately that money never seems to trickle down to those who were screwed yes screwed by UNUM Insurance, I spent 25 years in the insurance business rose from an agent for Prudential to a Regional Director in the largest brokerage firm in the United States, worked with a insurance company on special assignment in the southeast that offered high risk personal loans to ferret out those in the company that were taking advantage of the people who could least afford it; I never thought I would be on that end but Unum made sure they gave me one swift kick down the stairs and shut the door. Stay away this is the scorpion that convinced frog to get it across the stream and then killed the frog "just because it IS a scorpion"