What to expect at claim time

Our professional benefits specialists are committed to helping you through your claim as quickly as possible and providing a fair and thorough evaluation.

Getting started:

There are a few steps required to begin any type of claim, though each product is different.

  • You can file most types of claims and monitor your claim online through this website. Our dedicated claims site is secure and available to you 24 hours a day, seven days a week.
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  • You can get copies of paper claim forms that can be mailed or faxed to Unum.

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  • If you need any assistance Unum's contact center specialists are available toll-free by phone at 866-679-3054.

Responding to your claim:

How soon will you hear from us? Each product is different, but we always strive to serve you quickly and fairly.

Disability: Once a disability benefits specialist is assigned to handle your needs, you will hear from them within five days.

Long term care: Once we receive a claim, we will send written acknowledgement within three business days.

Accident: For most voluntary benefits claims, decisions can be made within five business days of receipt of the completed claim.

Life: Most claims are paid within five business days of our receiving appropriate documentation.

Cancer, critical illness or MedSupport: Once we receive your completed claim form, a voluntary benefit specialist will personally handle your needs.

Staying informed about your claim.

Our secure website should be the first place you visit to find out information about your claim. Review status information, discover information that may be needed for us to make a decision, keep track of payments that have been made.
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If you need more assistance with your claim, Unum's contact center specialists are available toll-free by phone at 866-679-3054. Unum's paperless, centralized records system ensures up-to-date claim information is always available to the Unum employee serving you.

Frequently asked questions regarding taxes on your disability benefit:

We have put together a list of frequently asked questions regarding taxes on your disability benefit.
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Cancer insurance is a limited policy.

The policies or their provisions may vary or be unavailable in some states. The policies have exclusions and limitations which may affect any benefits payable. See the actual policy or your Unum representative for specific provisions and details of availability.

References:
1. American Cancer Society, "Cancer Prevention & Early Detection Facts and Figures 2006," 2006.
2. Centers for Disease Control and Prevention, National center for Chronic Disease Prevention and Health Promotion, Cancer Prevention and Control, 2004-2005.
3. American Cancer Society, "Cancer Prevention & Early Detection Facts and Figures 2006," 2006.
4. USA Today, "Cancer Burden Expected to Soar, Overwhelm Doctors," March 14, 2007.
5. American Cancer Society, "Cancer Statistics 2008," March 2008.

Direct deposit

For many disability claims, benefit payments can be made through direct deposit to your bank account. Use our secure claimant website to set up direct benefit payments and skip the trip to the bank.

In 2007, Unum paid more than $6 billion in benefits to its customers.