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Got questions?

We have answers to the most popular questions from our customers. If you can't find an answer to your question, please contact us.

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How does Unum pay you?

Payments will be mailed to you as a check. However, you can choose to have the benefit payments electronically deposited in your bank account by filling out an electronic transfer form in your Unum account.

How do I contact Unum?

We can help. Call us at 866-679-3054 (8 a.m. to 8 p.m. ET, Monday through Friday) if you have any questions about your Unum coverage.

Is Unum hard to deal with?

If youre applying for short-term or long-term disability benefits, youve probably heard that UNUM is notoriously difficult to deal with. The company has a reputation for denying valid claims, delaying benefit payments, and violating state and federal insurance laws. However, you can fight back.

How long do you have to file a claim with Unum?

When should I file a claim? Disability claims should be submitted as soon as possible to ensure a claim decision is made in a timely manner. However, you should submit a completed claim form within 90 days after the loss begins.

How long do I have to file a claim with Unum?

When should I file a claim? Disability claims should be submitted as soon as possible to ensure a claim decision is made in a timely manner. However, you should submit a completed claim form within 90 days after the loss begins.

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How do I submit a claim to Unum?

You can get a claim form at unum.com/claims, or contact your HR department at work. Follow the instructions on the form to mail or fax your completed form. But for fastest results, file online if you can.

What is Unum Group accident insurance?

Unum Accident Insurance can help your employees get back on their feet after an accidental injury. Our plans provide a lump sum benefit to help them with expenses not covered by their medical insurance, such as co-pays, transportation costs and out-of-pocket fees.

Is there a class action lawsuit against Unum?

In an investigation that involved insurance regulators from 48 states, lawsuits against Unum were granted class action status for violation of ERISA laws. ERISA are the federal laws that govern most employee group short term and long term disability insurance policies.

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