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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.

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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

Two carriers vs. one

How the experience stacks up

Fill out multiple forms, submit multiple claims with multiple carriers
File one initial claim — we'll guide you through the rest of the process
Provide information to multiple contacts
Provide information once — we'll apply it to all reviews
Correspond with multiple people at multiple carriers
Reach out to a single source, focused on the person, not the paperwork
Follow complicated process for identifying which benefits apply and which have been approved/paid
Enjoy a simplified, coordinated approach that provides a comprehensive view of applicable benefits and claims

Insurance products are underwritten by the subsidiaries of Unum Group.

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