Filing an insurance claim can be stressful—especially when you’re dealing with an illness, injury, or loss of income. Unum is a major provider of disability, life, and supplemental insurance, but their claims process isn’t always straightforward.
This guide covers:
✔ Types of claims you can file with Unum
✔ Step-by-step instructions for submitting a claim
✔ Documents required for approval
✔ How long Unum takes to process claims
✔ What to do if your claim is denied
Types of Claims You Can File with Unum
Unum handles several types of insurance claims:
1. Disability Claims
- Short-Term Disability (STD): For illnesses/injuries lasting 3-6 months.
- Long-Term Disability (LTD): For conditions lasting years or permanently.
2. Life Insurance Claims
- Paid to beneficiaries after the policyholder’s death.
3. Critical Illness Claims
- Lump-sum payouts for diagnoses like cancer, heart attack, or stroke.
4. Accidental Death & Dismemberment (AD&D)
- Covers deaths or injuries from accidents.
Step-by-Step: How to File a Unum Claim
Step 1: Gather Required Documents
| Claim Type | Required Documents |
|---|---|
| Disability | Doctor’s statement, medical records, employer details |
| Life Insurance | Death certificate, policy number, beneficiary ID |
| Critical Illness | Diagnosis confirmation, treatment records |
| AD&D | Police/accident report, medical proof of injury |
Step 2: Start Your Claim
- Online: Log in to Unum’s claims portal (if you have an account).
- By Phone: Call 1-800-555-5805 (for disability/life claims).
- Through Your Employer: If Unum is part of your workplace benefits.
Step 3: Submit Supporting Evidence
- Medical claims: Attach doctor’s notes, test results, and treatment plans.
- Life insurance claims: Provide a certified death certificate.
Step 4: Track Your Claim Status
- Use Unum’s online portal or mobile app.
- Expect updates via mail or email.
Step 5: Receive Approval or Denial
- Disability claims: Typically decided in 30-45 days.
- Life insurance claims: Usually processed in 14-30 days.
How Long Does Unum Take to Approve a Claim?
| Claim Type | Average Processing Time |
|---|---|
| Short-Term Disability | 7-14 days |
| Long-Term Disability | 30-60 days |
| Life Insurance | 14-30 days |
| Critical Illness | 21-45 days |
⚠ Delays happen if:
- Medical records are incomplete.
- Unum requests an Independent Medical Exam (IME).
- Fraud is suspected.
Top Reasons Unum Denies Claims (And How to Avoid Them)
❌ Missing or Incomplete Documentation
Solution: Double-check forms before submitting.
❌ Pre-Existing Condition Exclusions
Solution: Review policy terms before filing.
❌ Discrepancies in Medical Records
Solution: Ensure your doctor’s notes match your claim details.
❌ Missed Deadlines
Solution: File as soon as possible after the incident.
What to Do If Unum Denies Your Claim
- Request a Review (within 180 days of denial).
- Submit Additional Evidence (new medical records, witness statements).
- File an Appeal (with legal help if necessary).
- Contact Your State Insurance Commissioner if Unum acts in bad faith.
Tips for a Successful Unum Claim
✅ File ASAP – Don’t wait months to start the process.
✅ Keep Copies of Everything – Emails, forms, and doctor’s notes.
✅ Follow Up Weekly – Call Unum for updates if things stall.
✅ Consider Legal Help – If your LTD claim is unfairly denied.
FAQs About Filing Unum Claims
1. Can I file a Unum claim online?
Yes, for disability and critical illness claims. Life insurance usually requires a phone call.
2. Does Unum require an independent medical exam?
Sometimes, especially for long-term disability claims.
3. How do I check my claim status?
Log in to Unum’s online portal or call 1-800-555-5805.
Need Help With a Unum Claim?
If your claim was denied or delayed unfairly:
- Consult a disability/life insurance attorney (many offer free reviews).
- File a complaint with your state’s Department of Insurance.