Unum Avis 

This company is so horrible. People don't know what they're doing. The staff need to be trained. No one knows what they are doing. You could waste all your time and they still don't know what they're doing. I have been trying to take care of something for months and no one has done anything to help except to make it worse and more difficult. I would give them 0 rating

TOTAL WASTE OF TIME AND MONEY! I have been paying into this as a carry over from a previous employer and I know I am slow but realized today what a scam this is. Most of the time I can't even log in to my account and good luck getting in contact with a real person. I was lucky enough today to do that and that she seemed like a decent human being (but I feel bad for her). Anyway, enough is enough - I am done. I also recommend that anyone, everyone who has eyes to read (or ears to hear) get out ASAP. You are wasting your money. I think it would be a TOTAL NIGHTMARE trying to make a claim with this company.

The most tedious and problematic insurance company in the WORLD! The app doesnt work, website is down often. you can only contact them through 1 phone number, no email. and they will take their time with your claim. Huge downfall of working with them is utilizing their dastardly app which always has some issue. The won't tell you this but when you apply for a claim it disappears from your account. You'll think it wasn't submitted. Something that should have been communicated! I Filled out 5, yup, 5 applications because I wasnt aware that once it's complete, it disappears from your "applied claims" page, and no they don't tell you.

Applied for Massachusetts Paid FMLA. They tell you use their app/website for your application etc but it is really bad and you will have to call customer service... They create a second claim as other users mentioned here ..a short term disability claim ..customer service is clueless an CASE Worker can not be reached directly. I spent half an hour calling from Europe to get to my case worker who was busy ...Now I have to call back again

I requested only to be notified via usps. No emails or no texts. My disability prevents me from being on the computer for any length of time, so I avoid it. At the end of May 2024 UNUM sent an email informing me they needed to update my medical condition ie. have doctor fill out more paperwork. I never received the email until the end of June when I just happened to open my email. I am in the middle of switching providers as mine is on leave of absence and trying to get an extension for the paperwork to
be completed is impossible. I have requested an extension for the third time. I feel my request in reasonable given I was never given the initial request and this is a new provider. I have to establish a relationship with her obviously and my appt is not until the end of July. Also, I was forced to go on SSD because of UNUMs policy, so I am only being paid $380/mth. With the lack of cooperation, I am getting from UNUM on granting an extension on my paperwork, I am about ready to give up the money I am receiving from them because frankly it is not worth my mental health. They are not helpful in any respect. How hard is to understand I need an extension I asked for one month.

AWFUL AWFUL AWFUL AWFUL
Completely useless people.

Claiming income protection with the help of HR and EVERYONE at uNuM is pathetic, useless and mediocre at the very very best. I hope you lot get fired ASAP or close down.

Pure TRASH

I enrolled in UNUM voluntary insurance and the coverage information included eye injuries and surgery. On 11/30/2023 I had surgery for a detached retina and a Giant Retinal Tear. The doctors injected silicone oil into my eye for recovery purposes. On 2/8/2024, I had a second surgery to remove the oil. I submitted a claim for an accident due to the detachment, however, I could not say exactly how my retina became detached and torn. It usually involves head trauma, but again, I could not pin point the exact incident because detachments/tears can be slow to evolve. I told my doctor this and I was honest on my claim. It was denied because UNUM said that a detached retina is an illness, not an accident. I filed a different claim for my retina surgeries with the illness form and that claim was denied, stating retinal detachment is not an illness. Again, my coverage includes eye injuries ($300) and surgeries ($1000). It seems UNUM is finding creative ways to not provide coverage that I have been paying for the past year.

How this company is allowed to legally operate in the U.K is beyond comprehension. Don't believe the literature it's nothing but lies and deceit.
Tried to claim for a period of illness, provided all paperwork and medical evidence and they simply pick out the bits that suit their argument and ignore the rest. They didn't contact my primary medical professional for any medical details and the person reviewing the claim omits information and doesn't give titles to conditions making them sound less severe.
Avoid like the plague,save our money and your stress levels.

Horrible. I have called the person in charge of my short-term disability case multiple times in a two week period and I have not gotten called back despite voicemails left with very clear questions and requests to be called back. The general number is not helpful because the people who answer those calls don’t know as much as the person in charge of the case. My initial claim took about three weeks or more to be approved (while I was off work) and they only approved it for a very short period of time. That was stressful because I missed pay and didn’t know if it would be approved or not. I have now requested a two week extension. We are now one and a half weeks into the two week extension and I still have not received a callback or received an approval. My status still says pending. How can it take two weeks plus to approve an extension? Additionally, my HR is sticking up for them and saying that they probably need more information from my doctor. That would require them calling me back. There is no excuse for this.

i applied for Wellness claims on 03/05/2024. According to the website the check was issued on the 5th. I took until April 1, for that payment to get to me. I have call to cancel the checks and the cancelled the payments on both checks. One check was cancelled and reissued on 03/27/2024 and the other check has not been issued. This is not good customer service and it should ot take this long for a check to come from Chatanooga, Tn when i in Memphis Tennessee. Check you processes

If i could give ZERO, I would!! I purchased this thru my job and added my spouse and 4 children. My husband became critical ill and unfortunately, he passed away, when i filed a claim for this coverage, they DENIED me...I am already going thru losing my loved one and here they come making everything difficult. This is called CRITICAL ILLNESS coverage for a reason, I will NEVER purchase this mess again! I will also be reporting them to ALL agencies, this situation has further stressed me out! Why offer it? Why have me email and call you several times? This company has basically STOLEN from me and many others. I will also be contacting my local news because I promise this is not the 1st time they have did this...just check the reviews!

An awful company.....shouldnt even be in business, this entire process was a waste of time, money and only stressed me out more. THANK YOU FOR ABSOLUTELY NOTHING but making my life more stressful....so does this mean I get a refund (i am sure it doesnt) but it is not right that I paid for this coverage, my husband passes away and you deny the payout of the policy.....thieves!

They make everything hard on their customers. I've wasted HOURS on the phone with them regurgitating the same info each time. Can't even calculate my wife's LTD properly, then have the nerve to ask for money back. Awful customer service.

The worst insurance company ever.
Not looking back to see them again.

It has been a nightmare dealing with Unum. After reading the other reviews I'm almost jealous as I have struggled just to talk with a real person. The THREE phone numbers I have for this company direct me back to the website/app. I want to talk with a human. I have questions other than what is already posted online. Today after trying for well over an hour just pushing random numbers on my phone...I got a recording that stated...looks like your having some trouble I will connect you to a rep. The rep...says she has confirmed the paperwork is there. I can not say I totally believe it. As my Dr. Has sent the info twice over the last and I have not received an updated claim letter reflecting this. (on the app it does say reps are available 8a-8p leads me to believe I will get to talk with a human. Nope!
Absolutely asinine.

I would give -1 stars if I could. I applied for FMLA thru UNUM because I live in NY and this was what he have to do. They made it confusing as possible by creating a second claim under "Short Term Disability" because their online SW is crap. So then it was impossible to get the forms in the right system to actually get something accomplished.

Hate them; Hate them; People on phone were nice just clueless.

If I could give them a negative I would. The company I work for uses them and they’re supposed to pay 60% of wages. I went on short term disability and I called because the math wasn’t adding up on my benefits. On 40 hours a week I would gross $840 so at 60% that should be $504 per week paid benefit. The rep told me since they pay for every day they then take the $504 and divide that by 7 days. Ummmm wrong! I don’t work 7 days a week and by them dividing it like that they’re technically only paying 42% of the 60% they should be paying!

Had critical illness for several months. When i enrolled i was sent a link to enroll for UNUM's online access. I filed a claim was sent letter after letter wanting more information from myself, the Dr. performing the procedure, and the hospital. After submitting everything i was sent another letter that they couldn't confirm i had coverage. They forwarded a letter that was to be filled out by my company's HR, that was done. My company's HR rep called the UNUM rep and had them investigating it. They still can't verify that i have coverage. When i called in, i had to input my SS# so they could access my claim, recording came back that SS# was validated, then the rep came on the phone and said everything is being held up because they were never sent my SS#. After the phone call, i am still stalled out over them not being able to verify coverage.

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!