Unum Avis 

Terrible company. Left me on hold for over an hour. They just don't care about you. Currently still on hold

What went right should be the question, that answer would be nothing. They don't communicate except for the online forms you need to send or fill out multiple times from multiple Dr's. They make you so confused you want to give up. They switch the terms daily, but I can't get a person to make sense of it. Seems a waste of my employer's money, and it's a full-time job keeping track of it all during your cancer treatment. They don't want to pay the before or the after surgery appointments. The program I am on uses all your vacation time, all your sick time and you go back to work with zero benefits left after your illness.

Worst company for disability ever!!! My husband has pancreatic cancer. He went through 5 rounds of chemo and his tumor did not shrink. He was given 6 months to a year. Unum keeps asking for the records that have been fixed to his case worker Lisa's attention many times and also emailed. However, everytime we call we are told the same thing " we have not received the records. " "the supervisor is on another call, no you can't wait." Lisa has logged off for the day." Unum needs to understand that there are people on the other end of the phone. The whole experience has been exhausting. The pronunciation of Unum as you numb is very fitting.

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.

Miserable experience. Would not pay bills from dentist until late. Had to call them everytime. The worst we have ever dealt with. Our former dentist has same thoughts. Will never accept them again. Started with them 1st of the year 2026, forced to by Cobra plan of former employer. Ended April 2026.

Terrible awful company. A car accident not my fault and injured long term is worth $75.00 to them I want my money back!

Dear Sir/Madam,

I am writing to formally complain about the inadequate and outdated level of mental health coverage provided under the Unum Health Plan 360.

My recent claim for counselling and psychotherapy was declined after an unreasonably long review process, on the basis that such support is not covered. This is, frankly, unacceptable.

In 2026, excluding access to counselling and psychotherapy from a health plan demonstrates a fundamental failure to recognise mental health as an essential part of medical care. This omission significantly undermines the value and credibility of the policy.

The provision of online-only support does not address this gap. Psychological care is not a one-size-fits-all service, and restricting individuals to limited, pre-approved or remote options shows a clear disregard for patient autonomy and clinical reality.

This approach is not only disappointing but reflects poorly on your organisation’s commitment to meaningful healthcare provision. It raises serious questions about whether this policy meets reasonable expectations for modern health insurance.

I expect a clear explanation for this exclusion, and I would urge you to confirm whether there are any plans to bring your mental health coverage in line with current standards.

Kind regards,
Simone

UNUM happily take people's money, but when it comes to paying out for illness they are nowhere to be seen. A 2024 court case found that UNUM deny claims with "Fraud and Malice". Just about says it all for this bunch of fraudsters. They paid agents to follow me and my family around, take pictures, film videos, make nuisance telephone calls and even break into our car to view private mail. Steer clear!

Horrible! When I tried to return the lashes that weren't applicable they went back n forth for a week about giving me half my money back and I still didn't get anything back! Beware the scam!

Currently dealing with a STD disability claim with them. Absolutely awful. Partial communication. Dragging out the process. absolute trash

I would give 0 stars if it would allow me to. Horrible communication I get a different response every time I call, recording says additional info needed and I uploaded 152 pages of medical records and the Dr office faxed them, now I’m told the request is closed out. Almost an entire month with zero pay and zero light at the end of the tunnel. Beyond frustrating, this company should be shut down for unfair practices as well as unethical.

I am sorry but when you hire someone to handle something as sensitive as disability claims I would think being able to understand and ask questions is the top priority. It is very obvious that Unum has outsourced their call center to India. This is not some online parts order that you are asking about. This is your livelyhood and you need accurate information and being able to communicate properly is imperative. Every single time I have got and agent on Unum it has been a nightmare. I am not talking about a simple accent. I understand not everyone talks the same. I mean I asked the same question 3 times and she could not understand it. Nor I understand her. Unum has been sued in the past for denying real claims. Not a trustworthy company.

Truly the most awful and broken customer portal I have ever used. No follow up, no help. I wish my company would fire them. They couldn't be worse.

Complete scam
Do not use this company.
Paying them monthly from my wages & they paid 13% my dental expenses.
Ridiculous.
Got £32 back from £230

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...

MY EXPERIENCE WITH UNUM SHORT TERM DISABILITY HAS BEEN FRUSTRATING! THEY CLAIM TO REVIEW DOCUMENTS WITHIN SIX BUSINESS DAYS, BUT THEY ALWAYS WAIT TO RESPOND ON THE LAST DAY, WHICH RESTARTS ANOTHER SIX DAY CYCLE EACH TIME. I'VE BEEN OFF WORK WAITING ON A PAYMENT AND CAN'T GET ANY CLEAR ANSWERS. I'M PAYING FOR THIS COVERAGE, YET I'M NOT GETTING ANY HELP WHEN I NEED IT MOST. I HAVE BILLS, BUT YOUR HAVING ME JUP THROUGH HOOPS ABOUT PAPERWORK THAT COULD HAVE BEEN REQUESTED WEEKS AGO.

horrible customer service.don't use or buy from unum

Can I rate it less than 1 star? I signed up for a whole life policy through an employer where I had automatic paycheck deductions. When I left the employer, I got no notice from Unum on what to do. I also forgot about it. About 18 months after I left, I found a statement which led me to call them Where an employee told me they did not contact me about making payments on the policy, but they should’ve and there’s nothing I can do about it now. Frustrated I left it there. I filed a complaint with the Alabama insurance commission and Better Business Bureau. A couple years later I called back where they denied what that rep had told me, but also would not allow access to that recorded phone call. They also said they mailed a letter out to my parents house where I regularly checked my mail, but it never came. Doing that call they kept saying there’s nothing they can do and they will do what they can to help me, but they can’t do anything. I complained to the Alabama insurance commission again and their responses they follow their policies so there’s nothing that they can do. Did they make it safely? Unum gaslit me and denied what their representative told me in 2014 but then also refuse to provide the recorded phone calls that would prove what I was saying.

Unum dental is the worst service I have ever had from a company to whom I have been a loyal customer for over ten years. All they do is give you the runaround, even if you are trying to give them more business. Neither do they respond to paying claims even when you have filled in all the forms and provided the receipts. All they are interested in is winning big corporate accounts. Their customer service after that is beyond poor.

I had major neck surgery in December 2024, and am still having issues with my neck and shoulder, my long term disability claim has been pending since may 5th, 2025. I've not gotten paid, and have not been cleared to work. They keep forcing work restrictions and functional capacity evaluations on my doctors which costs $1200.