Unum Claims Frequently Asked Questions (2023)

For your convenience, we have compiled a list of answers to frequently asked questions about our benefits. Use the links to go to the area that interests you. Your HR representative may also be able to provide you with additional information.


Learn how to apply or leave


Find out what to expect after you've submitted an application or submitted a leave request

Payment Information

Get more information on how and when claims are paid


Find out about the claims services and features available online

(Video) Lawyer Tips for UNUM Disability Insurance Benefits Claim Approval


Get more information on Form W-2(s).

(Video) Is Unum a Good Insurance Company?


Can I report family and medical leave online?
Yes, if Unum manages family and sick leave for your employer. If you are unsure, please contact your employer.
How do I submit a claim or leave?
Go to Submit a claim on this page to start or go to submitting your claim.
When should I submit my leave or claim?
We recommend submitting your leave/claim as soon as possible to ensure all supporting documents can be obtained and that all time frames set by your employer and policy are met.
What does a claim include?
It depends on the type of claim you are submitting. There will always be a section that you need to fill out. There will most likely be a section for your doctor to fill out, as well as an authorization form that we can use to collect additional information from your doctor if necessary. There may also be a section for your employer to fill out.
>It depends on the type of claim you are submitting. You may be asked about:
  • Important dates like:
    • The last day you actually worked
    • Your expected return to work date (or a general time frame)
    • Data from hospitalization, emergency care, diagnostic or wellness benefit tests, pregnancy due date, accident date, etc.
  • A brief description of the illness, injury or accident you are reporting
  • The full name, phone and fax number of the doctor(s) treating you for the condition you are reporting
QIs there any other way than online to submit or leave my claim?
AIf you are insured through your employer, you can obtain a paper application form from your HR department. If your employer allows you to file claims by phone, your human resources department will provide you with a toll-free number and instructions for filing your claim by phone. If you have an individual income protection policy, you can obtain a claim form from the insurance advisor who helped you purchase your policy or by calling Unum.


What happens after I submit my claim or leave?
Once you have submitted your claim or holiday, Unum will review it for completeness and clarity. If information is missing or unclear, a Unum representative will notify you.
Why am I not seeing or leaving my entitlement when I log in?
You can't see it for one of two reasons.
  1. To ensure privacy, we only display entitlements and departures that match both the social security number and the date of birth you provided when registering for our web services. If you believe your registration information is incorrect, or you believe that we may have incorrect information on our claim/holiday records, please call 1-866-679-3054.
  2. If you submitted your application/application by paper or fax, it may not have been entered into our system.
What happens after the assignment of my claim?
Your benefits specialist will review your policy and all supporting documentation. If necessary, your benefits specialist will work with other professionals such as doctors, nurses, and vocational rehabilitation counselors.
How long does it take to review my claim?
For most short-term disability requests, a payment decision will be made within 5 business days after Unum receives the completed request. However, if the medical condition is more complicated, short-term disability claims may take up to 30 days to be assessed. Most decisions on long-term disability claims are made within 35 to 45 business days after Unum receives the completed claim.
How long does it take to verify my leave?
For most leave requests, a decision can be made within 2 business days once Unum has received all the necessary information.
Do I need to provide additional information after submitting the application or leave?
Your Benefits Specialist will contact you if you need more information. The specialist may also request information from your healthcare provider or employer.
How do I know if my claim has been approved?
You will receive a letter informing you that your claim has been approved. Or in some cases you will first receive a check with an explanation of the benefits.
If I am recognized for a disability, when will my benefits begin? How long will I receive payments?
Several factors determine your start date and duration. Your benefits specialist will review your policy and provide you with specific information about your entitlement.
If your disability is catastrophic or is expected to be of long-term duration, Unum has resources to help you qualify for and receive Social Security Assistance for the Disabled (SSDI). In fact, Unum's advocacy programs' success rates for SSDI benefits exceed the national average. Unum disability benefits will be reduced (or "offset") by SSDI or other qualifying disability benefits you receive from another source. The service charges are explained in detail in your Unum policy.
If I have both short-term and long-term disability insurance, do I need to make a second long-term disability claim?
no If you have both policies with Unum and remain disabled throughout the short-term disability benefit period, your short-term entitlement will automatically switch to long-term disability benefits. You do not need to submit separate claim forms to submit a permanent disability claim, although additional information may be requested.
If I need to expand my claim, what information do you need?
In your approval letter, there is a section titled “What we need from you”. There you will find a list with the necessary information if you wish to extend it.
Each time you view or post your claim on this site, you may message Unum to provide new or updated information.
How many family and medical leave hours do I have?
You can find out how much family and medical leave is available to you by contacting Unum.
What is the difference between family and sick leave and short-term disability?
Family and Sick Leave is a federal law that protects your employment if you have to miss work to care for yourself or a family member. Short-term disability is a benefit you choose to replace your income while you are unemployed. Together they can give you more protection while you are unemployed.
Why is my claim closed?
Your claim may be closed for one of the following reasons:
  • You are able to work again and no longer need your Unum Income Maintenance benefits
  • Your claim was denied after a thorough review of your condition and the eligibility requirements of your Unum policy
  • A final benefit has been paid for your claim
  • There was not enough information to fully evaluate your claim
Why is my vacation closed?
A holiday can be closed for various reasons. If you have any questions, you can contact Unum.
My claim was rejected. Can I appeal this decision?
Yes. You have 180 days to object to Unum in writing. In your letter to Unum, you should explain exactly why you disagree with the application decision. This information helps us to respond quickly and directly to your request. All appeals are reviewed and evaluated by an independent team of claims experts, who have access to all original claims information. Decisions to overturn or maintain the original claim decision or to request additional investigations are usually made within 45 days of the appeal.
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Payment Information

Can I have my claim payment transferred directly to my bank account?
Yes, if your disability claim is valid. After your claim has been approved, you will have the option to opt-in to direct deposit when you submit your claim online.
How long does it take for direct deposit to take effect?
A short test period is required to confirm the connection with the bank. It may take up to two payment cycles to complete this process. You will receive a check for all payments made during this time.
How can I see if my claim payment has been issued?
Annuity payments are made on a regular basis—either by check or by direct deposit. When you view your claim on this site, you can also view your claim payment history.
How long can I view my payment history online?
You can view your benefit payment history for up to 120 days on this website.
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Can I opt out of receiving paper correspondence?
Yes you canSwitch to paperless updatesto help the environment. You will be notified by email when a new letter is available for you to view on this site.
Can I upload a document online?
Yes. When you access or leave your claim on this website, you can upload a document from your PC and Unum will apply it to all your outstanding claims and sheets.
Can I submit a medical clearance form online?
Yes. If you already have an existing claim, you can download the specific authorization form for your claim. You can then sign the form electronically and submit it online.
When do I have to fill out a certificate from the doctor treating me?
Your benefits specialist may require more detailed medical information from your treating physician in order to make an appropriate payment decision.
Each time you view your entitlement or waiver online, you can send your benefits specialist a message with questions or a request for additional information about your entitlement or waiver.
Can you reply to my messages online?
If a response is required, your benefits specialist will contact you by phone or letter.
How can I update my mailing address, login ID and password?
Go to yoursProfileto make changes to your personal information.
How can I change the name I originally registered with online?
To change your name, please contact Unum.


When is my disability pension taxable?
The benefits are taxable if:
  • Your employer pays the entire premium for your disability insurance
  • You pay all or a portion of the cost of your disability insurance premium in pre-tax dollars
  • You and your employer share the cost of your disability insurance. The taxable amount is based on a percentage of your employer contribution combined with a portion you pay in pre-tax dollars.
Who do I contact if I have questions about my W-2 form?
Call the Unum Tax Reporting Group at 1-.800-845-2290. Our hours of operation are January 12 through February 12 from 8:00 AM to 8:00 PM EST and February 13 through March 31 from 8:00 AM to 6:00 PM EST. Any of our experienced representatives can help you .
Why is Unum showing up as my employer even though I've never worked for Unum?
The IRS requires that Unum provide its name as an employer when Unum issues the W-2 form. This tells the IRS who created the form and is for reporting purposes only.
My accountant says these benefits are not taxable as I am permanently and totally disabled. Why does Unum report them as fully or partially taxable?
The benefits paid to you by Unum are considered third-party sick pay. If the employer pays the premium or the employee pays the premium with pre-tax disability insurance dollars, the benefits paid as sick pay are taxable. See IRS Publication 15-A for more information on taxing third party sick pay.
If I am permanently and totally disabled, why does Unum call it sick pay?
The type and severity of your disability do not determine your tax liability. The IRS states that if benefits under the plan may be paid for a temporary period, then all benefits under the plan are temporary benefits. This qualifies Unum's benefits as sick pay.
If I receive Social Security or unemployment benefit income and make a repayment to Unum, will it affect my taxable income and reporting on my W-2 form?
Yes, any portion of the reimbursement related to benefits paid in the current year will be deducted from your W-2 form for the current year. Unum will tell you how much of the refund, if any, is for a previous year. You may be able to use this previous year's repayment amount as a deduction or credit on your tax return for the current year. Please consult your tax advisor regarding these rules and refer him/her to IRS Publication 525.
Why does Unum issue a W-2 form and report the benefits paid as wages? Will this cause me problems with social security?
The IRS requires third party sick pay to be reported on Form W-2. Field 13 of the W-2 form indicates that it is third-party sick pay. If this box is checked, Social Security assumes you're only receiving disability benefits.
How do I change the tax deduction amounts of my disability pension payments?
Contact the Unum Disability Benefit Specialist who is processing your disability claim if you would like to make changes to your state and/or state tax withholdings. If you do not know how to contact your specialist directly, call 1-800-858-6843 from 8:00 a.m. to 8:00 p.m. Eastern Standard Time and one of our agents will help you reach the right person.
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How long does it take Unum to pay a claim? ›

How long does it take to review my claim? For most Short Term Disability claims, a payment decision will be made within 5 business days after Unum receives the completed claim. If the medical condition is more complicated, however, the review of the Short Term Disability claim could take up to 30 days.

Is Unum hard to deal with? ›

If you're applying for short-term or long-term disability benefits, you've 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.

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.

How do you fight Unum? ›

What to Include in Your UNUM Appeal. Under ERISA, you must file an administrative appeal to overturn UNUM's denial prior to filing a lawsuit. Your appeal must contain all legal and medical support for overturning the denial. You will want to add as much as possible to support your claim.

How long does it take to get a compensation payout? ›

After accepting an offer of settlement for a personal injury claim you will usually receive your compensation money within 14-28 days from the date of settlement. However this timeframe is only a general guide, as how long it takes to receive your compensation can vary based on the below factors.

How long does it take to get a compensation offer? ›

In some cases, insurers will process the compensation payout within a few days. In most cases, though, you will have to wait between two and four weeks to receive your compensation.

How does Unum pay? ›

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.

What does Unum consider a disability? ›

Definition of disability You are considered disabled when Unum determines that, due to sickness or injury: • You are unable to perform any of the material and substantial duties of your regular occupation; and • You are not working in any occupation.

Can you work while on Unum disability? ›

Many policies will allow you to work part-time while on claim; however, typically, you will need to have a certain percentage of your earnings lost due to disability for a claim to remain active.

Is it hard to win a class action lawsuit? ›

It is extremely rare for class actions to actually proceed to trial – the vast majority are settled, while the rest may remain pending or tangled up in litigation for years. To win a class action lawsuit, therefore, you need to hire the best attorney and put pressure on the company to settle as quickly as possible.

Are class action settlements worth it? ›

Class Action Lawsuits Make Litigation Much Cheaper

In some cases, this may only be a few dollars or even less per plaintiff. If you filed an individual claim, the costs could easily add up to thousands of dollars, and there is no guarantee you would receive a payout that would make these fees worth it.

Is it a good idea to join a class action lawsuit? ›

Even in cases with minor damages, it may be worth your time, money, and resources to join a class action lawsuit. If you have minor injuries or other damages from a large company's negligence, these issues can affect many other people, too.

How long will Unum pay long term disability? ›

How long can I collect LTD benefits? For disabilities occurring prior to age 60, benefits will be paid to age 65; if 60 or older, benefits will be payable for 12 to 60 months depending on age when disability occurs.

Does Unum offer buyouts? ›

Our lawyers have specific contacts at Unum that only handle the buyout of a Unum long term disability policy. In some rare situations, UNUM will reach out to a disability claimant and offer them some sort of buyout. Never accept a Unum settlement offer without speaking with a lawyer first.

Is Unum insurance any good? ›

Solid financial ratings: Unum earns an A rating from AM Best, signifying “Excellent” financial strength. Educational materials available on the website: Consumers can access educational materials on the website to help them decide which type of coverage they need and how much.

What are the stages of a compensation claim? ›

Key Stages to Making a Compensation Claim
  • Initial Instructions. ...
  • Letter of Claim. ...
  • Collating Evidence. ...
  • If Liability is Admitted. ...
  • Obtaining Medical Evidence. ...
  • Preparing a Schedule of Financial Losses. ...
  • Negotiating Settlement. ...
  • If Liability is Denied.

Should I accept the first offer of compensation? ›

you don't have to accept any offer that's made to you. If you do accept an offer it might be lower than the compensation you would have got if you'd used a solicitor or gone to court instead. don't feel under any pressure to make a decision quickly.

How is compensation calculated? ›

The composition of compensation

compensation is split into three parts – or 'heads of damage'. Each part considers either what the injured person has already lost, what he might lose or need in the future, or how much he has suffered. The courts often calculate using previous cases with a similar injury.

Can you negotiate compensation? ›

Remember that most managers don't love negotiating, either. Your future employer is not your adversary. Keeping your tone positive while negotiating salary and perks will help you more effectively navigate these discussions. If you'd like to get a better starting salary offer, you have to ask for it.

How do I ask for more compensation offer? ›

"I'm very excited about the position and know that I'd be the right fit for the team. I'm also excited about your offer, and knowing that I'll bring a lot of value to the table based on my experience that we discussed during the interviews, I'm wondering if we can explore a slightly higher starting salary of $60,000.

Why is my compensation taking so long? ›

Your settlement could be delayed because your case involves large damages, or put simply, a lot of money. In this case, insurance companies will delay paying money out on a settlement until they are confident about it. They will investigate every aspect of the case and every detail of the liability and damages.

What does Unum cover? ›

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.

How often do you get paid with Unum? ›

6. When will I receive my benefit payments? Short term disability benefit payments are generally made on a weekly basis.

How long does it take to get disability check after approval? ›

Generally, if your application for Social Security Disability Insurance (SSDI) is approved, you must wait five months before you can receive your first SSDI benefit payment. This means you would receive your first payment in the sixth full month after the date we find that your disability began.

What can stop your disability benefits? ›

Two things can cause us to decide that you no longer have a disability and stop or suspend your benefits:
  • If, after completing a 9-month Trial Work Period (TWP), you work at a level we consider substantial. ...
  • If we decide that your medical condition has improved and you no longer have a disability.

What gets you denied for disability? ›

Here are some common leading reasons claims are often denied: Lack of medical evidence. Prior denials. Too much earnings.

What is excluded from disability insurance? ›

Common disability insurance exclusions include: Pre-existing conditions: Depending on your policy's language, it may exclude some or all of your pre-existing medical conditions. Self-inflicted injuries: Most policies will not cover injuries related to self-harm or a suicide attempt.

How many hours a week can you work on disability allowance? ›

There is no restriction on the number of hours you can work. Social insurance payments: Invalidity Pension and Illness Benefit are social insurance (PRSI-based) payments.

Is disability income taxable? ›

You must report as income any amount you receive for your disability through an accident or health insurance plan paid for by your employer: If both you and your employer have paid the premiums for the plan, only the amount you receive for your disability that's due to your employer's payments is reported as income.

What bank does Unum use? ›

Trusted. More than 500 EagleBank employees are covered by Unum benefits. Unum benefits offered: Group Life and AD&D.

What is a disadvantage of a class action lawsuit? ›

Some of the common disadvantages of class action lawsuits include: Lack of decision making control. Class action lawsuits are, by definition, representative rather than group litigation. That means that representatives of the affected class make the important litigation decisions – including when to settle.

How many signatures do you need for a class action lawsuit? ›

While there is no exact number needed for a class action lawsuit, it is difficult to form a class to receive certification with less than 20 members. A class with at least a few dozen members is preferred and will likely be certified and move forward.

How often are class action lawsuits successful? ›

An evaluation of securities class action suits filed and resolved between 1 January 2000 and 31 December 2021 reveals the vast majority had a motion to dismiss filed. Of the 96% of cases with a motion to dismiss filed, a decision was reached in 73% of the cases prior to resolution of the case.

How long does it take to get money from a class action settlement? ›

The average time it takes to process a settlement check is between one and six weeks. However, it can take several months for you to receive just compensation. If you hire one of the experienced attorneys from Morgan & Morgan, you should not have to wait six weeks to receive your settlement check.

How is money divided in a class action lawsuit? ›

Class action lawsuit settlements are not divided evenly. Some plaintiffs will be awarded a larger percent while others receive smaller settlements. There are legitimate reasons for class members receiving smaller payouts.

How much is the class action settlement? ›

Around half of settlement payments were between $50 and $300. Some eligible group members who only repaid small amounts, may have got less than $10 as a settlement payment. People who paid back more, or were without their money for longer, got larger payments.

Is money from a legal settlement taxable? ›

The general rule regarding taxability of amounts received from settlement of lawsuits and other legal remedies is Internal Revenue Code (IRC) Section 61. This section states all income is taxable from whatever source derived, unless exempted by another section of the code.

What is a class settlement payment? ›

A class-action lawsuit settlement is the proceeds that are received from winning a class-action lawsuit. It is the monetary benefit paid out to the individuals that make up the class-action lawsuit.

What happens to left over money from a class action lawsuit? ›

Sometimes, leftover money might be distributed among class members or donated as a cy-pres award. In simplest terms, the cy-pres doctrine means a court will order the funds to be redistributed to a charity or another organization that aligns with the issue at hand with the class action lawsuit.

How long does it take for Unum to pay after approval? ›

How long does it take to review my claim? For most Short Term Disability claims, a payment decision will be made within 5 business days after Unum receives the completed claim. If the medical condition is more complicated, however, the review of the Short Term Disability claim could take up to 30 days.

What is the longest benefit period long term disability can last? ›

Long-term disability insurance has an elimination period of at least 90 days. After that, benefits are paid for a longer term, typically, two years, five years, 10 years, to age 65, or for life, depending on the policy. The longer the benefit period, the higher the premium.

How long can you be off long term disability? ›

For most policies you are entitled to claim long term disability benefits for the first 2 years of being unable to perform the essential duties of your own job. This is called the “Own Occupation Test.” After this 2 year time period your eligibility for long term disability benefits will likely change.

What is a typical buyout offer? ›

Employee buyouts are used to reduce employee headcount and, thus, salary costs, the cost of benefits, and any contributions by the company to retirement plans. A common formula for severance packages includes a base of four weeks pay plus an additional week for every year of employment at the company.

What is a lump-sum buyout? ›

A lump sum buyout is a limited opportunity for DB plan participants to elect a one-time cash payment in exchange for giving up future periodic payments. Some buyouts are offered to participants who are near retirement age, while others target those already receiving benefits.

What is Unum known for? ›

We help millions of people gain affordable access to disability, life, accident, critical illness, dental and vision benefits through the workplace — benefits that help them protect their families, their finances and their futures. Workers and their families know we'll be there when they need us most.

Is Unum always care? ›

We're here for our employees, clients and customers.

AlwaysCare is now part of Unum!

How long does an accident claim take to pay out? ›

How long does a compensation payment take to come through? Once your claim has been settled, your compensation will normally be paid to you quite quickly - usually within 2 weeks to a month. If your case is settled in court, the judge will give a deadline for you to receive your compensation by.

How do I check my Unum claim status? ›

You can check your claim status and manage your claim on the web at unum.com/claims. Or you can use our mobile app.

How long does it take to get disability back pay once approved? ›

Generally, if your application for Social Security Disability Insurance (SSDI) is approved, you must wait five months before you can receive your first SSDI benefit payment. This means you would receive your first payment in the sixth full month after the date we find that your disability began.

Does Unum pay well? ›

How much does Unum in the United States pay? The average Unum salary ranges from approximately $34,321 per year for Customer Care Specialist to $142,757 per year for Network Architect. Average Unum hourly pay ranges from approximately $13.86 per hour for Associate Manager to $28.00 per hour for Maintenance Person.

What benefits does Unum cover? ›

Employees and Families
  • Benefits. Disability Insurance. Life Insurance. Accident Insurance. Critical Illness Insurance. Hospital Insurance. Dental Insurance. Vision Insurance.
  • File a Claim.

How is compensation worked out? ›

compensation is split into three parts – or 'heads of damage'. Each part considers either what the injured person has already lost, what he might lose or need in the future, or how much he has suffered. The courts often calculate using previous cases with a similar injury.

How much does short term disability pay? ›

The benefit is 60% of your monthly salary1 or a maximum of $1,200 per week.

Who is Unum owned by? ›

Unum Group was created by the 1999 merger of Unum Corporation and The Provident Companies and comprises four distinct businesses – Unum US, Unum UK, Unum Poland and Colonial Life.
FormerlyUnion Mutual (1848–1986) Unum Corporation (1986–1999) UnumProvident Corporation (1999–2007)
Total assetsUS$70.625 billion (2020)
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