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Unum "POOR FAITH"

I will write this about me but I am only one person in thousands or maybe millions. Millions is more likely since this includes people from all over the world. I have always been a hard working person and picking a career as an auto technician and working hard to advance thru the years to the highest level as a Toyota Technician should prove this fact. I want you all to know this because I am a tax payer, voter, father, husband, brother, and law abiding citizen. Here is my story. Seven years ago while I was at work, I fell down. I started dropping things from my hands. I noticed that I was gradually losing strength. I wasn't myself anymore, and slowly losing the ability to do my job. I was paid on a commission type basis. So if I couldn't work as hard and fast as usual then my pay amount dropped. I fault for a few more years as I struggled to continue. Of course I had medical insurance, short term disability, long-term, and death insurance. I have paid for these policies for over 30 years. About four years ago, I had to leave my job due to illness and it was really becoming unsafe for myself to even be in a shop. During these years I have seen a handful of Doctors that struggled with diagnosing my issues. A clear diagnosis was uncertain and Unum insurance company demanded one. But what these doctors did agree on was that I was disabled and was continuing to get worse. I was unable to continue to perform a mechanics job by far and the doctors noted this in their records. I was eventually Diagnosed after years and multiple doctor visits, I even took a plane to Rochester, Minnesota to the Mayo Clinic for a second opinion. I am now considered a patient there also. I hope you are still reading along and I'm not boring you so far. Well, I find this very hard to say, but I have ALS disease. Amyotrophic Lateral Sclerosis, Lou Gehrig's disease. As you most likely know, My days are numbered and there's No sunshine at the end of my rainbow. But this is not a pity party about me. My whole life was about providing for my loved ones. I am so saddened that I feel that I let everyone down because now they provide for me.This was not in my game plan. I had UNUM insurance whom has worked over time on denying my claim. They ignored my doctors opinions and records, they went way low on my estimated yearly salary, and they prolonged any judgement about me collecting any funds. which also cost me my savings. They flooded my doctors offices with letters and ringing phone calls for info that they could use against me. I had one doctor out of about 7 that I have seen in the very early stages of this disease that I had seen while I was still working that told UNUM that she didn't feel that I was disabled. I wasn't far enough along to confirm any diagnosis. She also didn't care to research my illness. So I fired her. Unum used her records as their source to refuse my situation. I had to sue UNUM. My attorney told me that I couldn't sue for damages because Congress passed a law that prevented these types of lawsuits. Unum caused me so much stress that my health was really taking a hit. The attorney said that due to a bill that congress passed stated that I can only sue Unum to force them to honor the policy that they sold me. This means that Unum has no recoil to deny claimant claims. So they Steal and rob from their customers constantly everyday. This attorney was going to take benefit money's from me that was rightfully mine. This attorney recently dropped my case. He said that there's just not enough money in it to fight them any further. Unum gets to deny me, keep their money. I get NOTHING.... My family gets NOTHING. When I die and I will, There's NO insurance money to help them that I paid for for so many years. I was denied Social Security benefits also as a normal thing that I have been told. My attorney has dropped appealing this also. I guess what I am trying to tell you is that, I understand that people shouldn't be able to sue insurance companies for millions of dollars or for profit. But if there's a law that states that a person can sue an insurance company for POOR FAITH (If Proven) for five times the benefit amount, then these insurance companies wouldn't mess us over so badly. Just maybe they would be forced to take care of all the others that are legitimately disabled like they promise to do so in their policies that they sell us.I have read so many other people's comments about what Unum has done to them. I even read one about an ex-employee of Unum getting messed over by them. This is a crime or should be. I wish you all good health now and in the future. And I prey to GOD that you never get sick or have Umun insurance or any other insurance company that is in business to steal from us. Don't ever put yourselves in our positions. Thank You for reading my story. My wishes is for everyone to take notice of this and copy and paste it. then send it to anyone and everyone on the internet, Government offices, State Reps, etc.We the people need help Badly..
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ID
#1652438 Review #1652438 is a subjective opinion of poster.
Cons
  • Are crooks that work over time looking for reasons to deny
  • Refuse to consider doctors reports
  • Poor faith
Reason of review
Poor customer service
Loss
$110000
Preferred solution
Deliver product or service ordered

UNUM..LTD FROM ***

This is the VERY WORST company ever!!! This horrible business was fined $15 Million in 2013 by the US Govt for falsely denying actual disabled peoples claims, but that is the tip of the iceberg. They made me jump through hoops all last year because I wrote a precious review of how bad they cause unnecessary stress by using unreasonable timelines for paperwork.The fact they now state I owe them $1326 from something they screwed up on by not adjusting my income properly. I dealt with one of their reps Don all last year and got confirmation from him that everything was up to date and I would not hear from them again except for annual recert. How they stay in business is beyond me! They are constantly being complained about on all complaint websites and people are totally disgusted. May UNUM ROT IN ***
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ID
#1109516 Review #1109516 is a subjective opinion of poster.
Reason of review
Problems with payment
New Reviewer

UNUM underwritten by UNITED CONCORDIA are more like theives then insurance companies

i took my daughter to have 3 filings done that her previous doctor noted she needed done. Two doctors opinions for the same teeth. She would also require a cap for a broken tooth. i also went to have two filings removed that I have had for over 40 years and had deteriorated. Both claims submitted to the insurance, Both claims DENIED. This company said they would need a new set of x-rays to prove the work was needed. A New set of x-rays of work already done would only show the teeth were fine since the work was already done. i tell the girl on the phone that to which she responds, "Well i don't know what you want me to tell you then." Besides the ignorance of the employees, how can they get away with stealing our insurance payments and not paying for legitimate services we get done that are covered under their fraudulent insurance. The ADA or the insurance fraud commissioner should do something about this company. there are literally thousands of complaints on line about United Concordia and UNUM. Some thing has to give, companies stealing our money.
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ID
#903096 Review #903096 is a subjective opinion of poster.
Location
Warminster, Pennsylvania
Service
Unum Medical Claim
Cons
  • Rude representatives
  • Inconsistant coverages
  • Bad coverage
Reason of review
Poor customer service
Loss
$700

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Unum Pros and Cons

Cons: Rude representatives, Outrageous expectations, Refuse to consider doctors reports, Poor faith, Bad coverage

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Summary

Unum is a life insurance company with its rich history dating back in 1848. The company had its first headquarters in Boston, Massachusetts. Today, Unum is a Fortune 500 company with its main office in Chattanooga, Tennessee. In FY13, company’s turnover reached $10 350 000 000. In 2007, the company changed its name to Unum Group leaving behind the previous label of UnumProvident Corporation. Years later, the firm expanded its reach through a series of mergers and acquisitions bringing onboard UK’s National Dental Plan in 2015 and Starmount life in 2016.

Unum reviews and complaints

Unum is ranked 453 out of 1113 in Insurance category

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