Unum Insurance Review & Complaints: Health & Life Insurance (2024)
Unum Insurance is a supplemental health insurance and life insurance company that provides products solely through employers. Their employee benefits plans are offered at group rates, generally as voluntary coverage that employees can choose from.
Free Health Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced life insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for life insurance with the most affordable term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide consumers with t...
Licensed Insurance Agent
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Your one-stop online insurance guide. Get free quotes now! Secured with SHA-256 Encryption
What is Unum Insurance?
Unum, recognized as Unum Life Insurance Company of America, originated as Union Mutual Life Insurance company and was established in Maine in 1848. Its inaugural acquisition occurred in 1940, with the procurement of Massachusetts Accident Company’s health and accident business. In 1960, Unum introduced its signature product, group disability insurance, which would become a cornerstone offering for the company.
In 1986, they became one of the first mutual companies to convert to a publicly-traded company. This change was accompanied by the name change to Unum, and this was followed by several more acquisitions and expansions.
In 1999, Unum merged with Tennessee-based Provident, creating UnumProvident, but it reverted to its original name, Unum, by 2007. While headquartered in the Provident office in Chattanooga, TN, Unum still maintains offices in Portland, Maine, and various other cities across the country. Moreover, Unum extends its operations to the United Kingdom under the name Unum Insurance UK.
Unum writes group disability, life insurance, accident, and critical illness coverage along with supplemental health plans for hospitals, dental, and vision. They do not sell to the general public at all, focusing only employer-offered voluntary benefits. Businesses can purchase an employee benefits plan for their workers, and those workers can typically customize their benefits packages.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
What insurance products does Unum offer?
Unum offers an array of group products and services from which employers can choose the options they want to offer to their employees. Here is a look at some of the company’s main insurance offerings.
Disability
Unum’s top product, disability insurance policies, are available in both short-term and long-term formats. Short-term disability insurance is offered from 9-52 weeks while long-term disability insurance can provide coverage up until retirement. (For more information, read our “Best Life Insurance Policies for People With Disability“)
The payout amount fluctuates and can offer coverage for up to 60% of the insured’s earnings. While short-term disability insurance may be transferable in select scenarios, unum individual long term care insurance is typically portable in the majority of cases. Unum offers an additional individual disability insurance policy, which can enhance benefits and is fully portable. For more information on disability income protection options that may be accessible to you, you can consult with your employer.
Life Insurance
Unum’s life insurance plans are available as either term life insurance or whole life insurance. Term life insurance can expire while whole life insurance offers permanent coverage. The website does not list details on these group life insurance plans’ death benefit amounts or issue requirements, which is not surprising since they likely vary based on the options selected by the employer.If you’re seeking assistance or information regarding Unum Life Insurance, you can reach out to their customer service team using the Unum Life Insurance customer service contact information provided on their website. Additionally, for policy management and account access, you can utilize the Unum Life Insurance login portal available online.
In the event of a claim, Unum Life Insurance payouts are typically processed promptly and efficiently. However, for specific inquiries or concerns about your policy or coverage, contacting Unum Life Insurance directly is recommended. If you prefer to correspond via mail, the Unum Life Insurance address can be found on their official website. Before making any decisions, it’s advisable to review Unum Life Insurance reviews to gain insights into other policyholders’ experiences and satisfaction levels. Unum life insurance can be portable in most cases, but details of availability should be verified with the employer.
Accident Insurance
Unum’s group accident insurance policy provides benefits paid directly to the insured to cover medical bills including ambulance, hospital, and follow-up treatment.
The amount paid out depends on the type of injury, and the plan includes a benefit for accidental death or dismemberment, offering an additional layer of financial protection.
Critical Illness
Critical Illness life insurance provides a lump sum payment upon diagnosis with a list of covered illnesses, including heart attack, stroke, cancer, organ failure, and blindness.
The amount of the benefit varies and, again, depends on what is offered by the employer.
Hospital Insurance
This group policy provides a lump sum benefit that can be used for the out of pocket costs associated with a hospital stay that may not be covered by other medical insurance. Covered expenses include emergency room copays, hospital stay coinsurance and copays, and deductibles. Unum Health Insurance offers a range of coverage options designed to meet diverse healthcare needs. Individuals seeking additional financial protection for hospitalization expenses can explore Unum Hospital Indemnity Insurance, which provides supplementary benefits to help cover costs associated with hospital stays.
Unum Hospital Indemnity Reviews offer insights into the experiences of policyholders, providing valuable information for those considering this type of coverage. With Unum Hospital Insurance, individuals can have peace of mind knowing they have financial support in the event of unexpected medical emergencies requiring hospitalization. Hospital insurance benefit amounts will vary based on the employee insurance benefit options selected by your employer.
Dental & Vision
Unum insurance offers dental and vision coverage plans, providing access to a broad network of healthcare providers. The various Unum coverage options differ but encompass essential services such as routine dental care, including fillings, annual exams, and the provision of prescription eyeglasses or contacts. Unum’s insurance rating reflects its commitment to providing comprehensive dental and vision coverage options.
The available network also varies by area, and there are several plan options that employers can select to offer to their employees.
Your one-stop online insurance guide. Get free quotes now! Secured with SHA-256 Encryption
Are the rates competitive?
Since Unum only offers group benefits, rates will vary greatly depending on how much of the cost is being subsidized by the employer and what coverage is being offered as part of the employee benefits program.
Group rates, across the entire insurance industry, are almost always more affordable coverage. They tend to be cheaper than individual life insurance or other individual insurance products since the cost is shared across many people.
Unum Insurance’s Claims Handling Procedure
Ease of Filing a Claim
Unum Insurance offers a convenient claims process that can be initiated through their online portal. Policyholders can also file claims over the phone or seek assistance through their dedicated mobile apps. This flexibility allows customers to choose the method that suits them best.
The claims process varies based on the type of product. Since many life insurance beneficiaries may not have access to user accounts for the policyholder, the toll-free number would be the best bet for finding out how to file that sort of claim.
Average Claim Processing Time
The average claim processing time with Unum Insurance can vary depending on the type of claim and its complexity. Policyholders can expect a reasonable processing time, but it’s advisable to check with the company for specific timelines related to their individual claims.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback on Unum Insurance’s claim resolutions and payouts is crucial for evaluating the company’s performance. While Unum has established itself as a provider of group benefits, it’s essential to consider customer reviews and experiences when assessing their handling of claims and payouts, particularly regarding Unum whole life insurance and Unum short-term disability coverage.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Unum Insurance’s Digital and Technological Advancements
Mobile App Features and Functionality
Unum Insurance provides a mobile app with various features and functionalities designed to enhance the user experience. These may include easy access to policy information, claims tracking, and the ability to manage insurance matters on the go.
Online Account Management Capabilities
Policyholders with Unum Insurance can benefit from robust online account management capabilities. This allows them to access and update policy details, review claim status, and make necessary adjustments to their coverage preferences through the company’s user-friendly online portal.
Digital Tools and Resources
In addition to their mobile app and online account management, Unum Insurance may offer digital tools and resources to assist policyholders. These tools could include calculators, educational resources, and guides to help customers make informed decisions about their insurance coverage.
What do the ratings and consumer reviews say?
Unum Group has an A- rating with the Better Business Bureau (BBB), lowered due to six complaints that were not resolved. There are 98 complaints on file in the past three years, and 31 were closed in the past 12 months.
Consumer Affairs has a total of 320 reviews on file, with 35 ratings in the past year adding up to a one-star overall rating. Only one review out of these was five-star, and the rest were one-star. Most of the complaints cite failure to pay claims, either because they have not yet been approved, or have been approved but not payment received.
We often find that group benefits companies do not have a lot of reviews online, since many people handle issues through their company’s HR department. That makes the number of complaints online somewhat unusual for this type of company, and it raises some concerns.
What’s the bottom line?
Most employees do not have any say in what company is used for employee benefit plans, so the choice comes down to purchasing what is offered or seeking out individual coverage. Unum’s group products are likely more affordable, but their reputation is not as solid as we would like to see. A less expensive policy means little if they do not pay claims; it may well be worth choosing individual policies and paying more.Unum provides a comprehensive range of insurance products and services, catering to various needs such as long-term care, disability, and life insurance.
For customers seeking assistance, Unum offers reliable customer service, accessible through the Unum phone number provided on their website. Those interested in long-term care insurance can benefit from Unum Provident Long Term Care options, while individuals requiring immediate support can reach out to Unum Provider Phone Number for guidance. Unum Reviews reflect a mix of experiences, including feedback on short-term disability coverage, as well as insights into the Unum Therapeutics program and Unum Wellness Benefit. Additionally, Unum offers Whole Life Insurance and Accident Insurance plans, providing comprehensive coverage for unforeseen circumstances.
Your one-stop online insurance guide. Get free quotes now! Secured with SHA-256 Encryption
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Frequently Asked Questions
What is Unum Insurance?
Unum Insurance is a leading provider of health and life insurance solutions. They offer a range of coverage options to individuals and businesses, including disability, accident, critical illness, and life insurance policies.
How can I contact Unum Insurance?
You can contact Unum Insurance by visiting their official website and finding their contact information. They typically provide phone numbers and email addresses for customer inquiries and support.
Are there any reviews available for Unum Insurance?
Yes, there are various online platforms where customers and policyholders can leave reviews about their experiences with Unum Insurance. These reviews can provide valuable insights into the company’s services, claims process, and customer satisfaction levels.
What are some common complaints about Unum Insurance?
While experiences may vary, some common complaints about Unum Insurance include delays in claims processing, denial of claims, and difficulties in communication with customer service representatives. It’s important to note that individual experiences may differ.
How can I file a complaint against Unum Insurance?
If you have a complaint against Unum Insurance, you should first try to resolve the issue by contacting their customer service department directly. They will typically have a dedicated team to address and resolve customer concerns. If you are unsatisfied with the outcome, you may consider contacting your state’s insurance regulatory agency or filing a complaint with the appropriate authority.
Is Unum a good insurance company?
Determining whether Unum is a good company involves considering its reputation as a reliable insurance provider offering a variety of insurance products like life, disability, and accident insurance, though individual experiences may vary, highlighting the necessity to research and compare insurance options to ensure they meet one’s specific needs
What are some common complaints against Unum Insurance?
Common issues reported in Unum reviews complaints may involve delays in processing claims, claim denials, or challenges in communicating with customer service representatives. It’s recommended to explore customer reviews and ratings to understand the experiences of others with the company.
Is Unum dental insurance good?
Unum offers dental insurance plans as part of its benefits offerings. The quality of Unum’s dental insurance may vary depending on factors such as coverage options, network providers, and individual preferences. It’s recommended to review plan details and compare with other dental insurance options to determine suitability.
Is Unum dental insurance worth it?
Determining the worth of Unum dental insurance depends on various factors, including your dental care needs, budget, and coverage preferences. Evaluate premiums, deductibles, coverage limits, and network providers to ascertain if Unum benefits align with your requirements and offer value for money.
Does Unum offer long-term care insurance?
Yes, Unum provides long-term care insurance options to help individuals plan for future care needs. Long-term care insurance from Unum can provide coverage for services such as nursing home care, assisted living, and in-home care, offering financial protection against the high costs of long-term care. Additionally, it’s noteworthy that Unum has faced a long-term care class action lawsuit.
What is the Provident Life and Accident Insurance Company phone number?
The merger of the Provident Life and Accident Insurance Company into the Unum Group has finalized. If you need assistance or have inquiries regarding Provident policies, please contact the customer service team of the Unum Insurance Company using the provided phone number for the Provident Life and Accident Insurance Company.
Who accepts Unum dental insurance near me?
You can utilize Unum’s provider search tool on their website or reach out to Unum’s customer service number for guidance in locating healthcare professionals who accept Unum dental insurance in your vicinity. The network of providers may encompass dentists, orthodontists, and other specialized dental practitioners.
Who owns Unum?
Unum Group is the parent company of Unum Insurance. Unum Group is a publicly traded company listed on the New York Stock Exchange (NYSE) under the ticker symbol “UNM.”
What is the Unum Be Well benefit?
Unum’s Be Well benefit is part of their employee benefits program, designed to enhance employee health and well-being. This initiative comprises various resources, incentives, and activities tailored to promote healthy lifestyle choices and preventive care within the framework of Unum employee benefits.
What is securehealth.unum?
securehealth.unum is a secure online portal provided by Unum for policyholders to access their insurance information, manage their policies, file claims, and explore available resources. It offers convenient and secure access to insurance-related services and information.
Are there any reviews for Unum accident insurance available?
Yes, you can find reviews for Unum accident insurance online through various review platforms or on Unum’s official website. Customer reviews can provide insights into the effectiveness of the coverage, claims process, and overall satisfaction with Unum accident insurance.
What does Unum’s cancer policy cover?
Unum’s cancer policy provides coverage for expenses related to cancer diagnosis and treatment, including medical bills, hospital stays, and other associated costs. The specific coverage details may vary depending on the policy terms and options chosen.
What is Unum’s contact email for inquiries?
For general inquiries or questions about Unum’s insurance products and services, you can reach out to Unum via email at [[email protected]].
What is the Unum claims phone number?
To file a claim with Unum or inquire about an existing claim, you can contact Unum’s claims department directly at their toll-free phone number [800-635-5597].
Does Unum’s critical illness policy cover pre-existing conditions?
Understanding the coverage eligibility and limitations concerning pre-existing conditions in Unum’s critical illness reviews for policy necessitates a thorough examination of the policy terms and discussion with a Unum representative. This process ensures clarity regarding the provisions established before making any decisions.
Are there any reviews of Unum’s services in Charlotte?
Yes, you can find Unum Charlotte reviews by searching online review platforms or visiting Unum’s official website. Customer reviews can provide insights into the quality of service, claims handling, and overall satisfaction with Unum’s offerings in Charlotte.
Does Unum have a presence in Columbia?
Yes, Unum has a presence in Columbia, offering insurance products and services to individuals and businesses in the area. You can contact Unum’s local office in Columbia or visit their website for more information on available insurance options.
Does Unum offer insurance plans through Costco?
Yes, Unum does offer insurance plans through Costco. Unum partners with various organizations, including Costco, to provide access to insurance products such as life, disability, and accident insurance to their members. If you’re a Costco member interested in exploring insurance options through Unum, you can inquire at your local Costco or visit their website for more information on available plans and coverage options.
Does Unum offer dental insurance, and how can I contact Unum dental customer service?
Yes, Unum offers dental insurance. To contact Unum dental customer service, you can find their contact information on the Unum website or your insurance card.
What is the Unum dental provider phone number for finding network dentists?
The Unum dental provider phone number for finding network dentists can typically be found on your insurance card or by logging into your Unum account online.
How do I access my Unum FMLA login for managing my leave of absence?
To access your Unum FMLA login, you can visit the Unum website and log in to your account using your username and password. Alternatively, you can contact Unum customer service for assistance with accessing your FMLA login.
Can I get a free quote for Unum insurance coverage, and if so, how?
Yes, you can get a free quote for Unum insurance coverage by visiting the Unum website and using their online quote tool. You may also be able to request a quote by contacting Unum customer service directly.
How can I reach Unum long-term care customer service for assistance with my policy?
You can reach Unum long-term care customer service by calling the phone number provided on your insurance documents or by logging into your Unum account online and accessing the customer service section.
Where can I find reviews for Unum long-term care insurance?
You can locate feedback concerning Unum’s long-term care review insurance by exploring various online review platforms or forums where clients discuss their encounters with insurance companies
What types of coverage does Unum offer for long-term disability insurance, and how does it function?
Unum provides a range of long-term disability insurance options, catering to individuals, employers, and organizations. This insurance offers income replacement benefits in case of disability, ensuring financial support when unable to work for an extended duration.
Where can I find Unum long-term disability reviews to gain insights into their coverage and customer experiences?
You can find Unum long-term disability reviews by searching online review platforms or forums where customers share their experiences with Unum’s long-term disability coverage.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced life insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for life insurance with the most affordable term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide consumers with t...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.