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Seamless claims experience

Between our outstanding technology, experienced people and culture of caring, Unum provides a claim experience that’s second to none.

Coordinated claims administration

Easy claim submission options including our online personalized portal, paper or phone
When an employee files a claim, we look for all the coverage that may apply
Operations Consultants, who educate our team about your company's needs and culture, to make sure you get the best possible claims experience
Specialist case loads that are lower than industry average, giving them the time to listen, connect and speak with each employee personally

The right people on the right claim at the right time:

More than 700 benefits and leave specialists centered on people, not paperwork
115 clinical nurse consultants, 50 vocational rehabilitation consultants, 90 in-house specialty physicians

Quick and responsive claims processing

Online capabilities — all claims can be submitted online and tracked via Unum mobile app
Fast payment:
- Complete accident, critical illness, hospital indemnity and whole life claims are paid within 24 hours*
- The majority of short term disability claims are decided within five days**
- Holistic approach and management case review — ensures each claim is thoroughly evaluated and the decision made is accurate and appropriate
Intuitive internal claims management system that puts all information at our specialists' fingertips — for fast, accurate service

*Based on 2015 internal Unum data, includes processing and issuing payment for all approved accident, critical illness, hospital indemnity and whole life claims

**2015 Unum internal data