Unum Forms

Unum forms refer to the paperwork necessary to:

enrolling in an Unum insurance program
filing a claim upon sustaining an injury or experiencing the loss of a loved one
seeking the compensation necessary to pursue vital treatments and move on with life

Most of essential forms are available via:

paper mail
e-mail communication
online downloads

What is Unum?

Formerly known as Unum Provident, Unum Insurance Corporation is a network of insurance providers that offer a range of coverage, including:

disability benefits
health insurance
life insurance
social security benefits

Unum has been in business for more than 160 years and, currently, claims to:

insure over 25 million individuals around the world
pay out more disability claims than any other insurance provider (In 2007, Unum paid out nearly 400,000 claims for a total o $4.3 billion)

Help Filling Out Unum Provident Claim Forms

Because different situations and claims may require unique forms, claimants may feel a bit overwhelmed when trying to get their claim started and find the correct forms. Additionally, once they find the right forms, they may be confused on how to properly fill them out.

Mistakes in Unum forms can hold up a case and delay payment of a claim.

To minimize such mishaps and promote efficient payment of claims, Unum offers a new enrollment education program, which includes meetings, booklets and personal assistance. Through this program, insured parties can learn more about the ins and outs of their policy, along with the process associated with filing and pursuing a claim.

Overcoming a Past of Bad Faith

Since 2005, Unum has instituted a number of new policies regarding how it processes and pays out claims. These modernizations occurred as a result of orders from the Department of Labor, which had investigated Unum for bad faith and found significant evidence of the company's bad faith practice.

The term bad faith refers to an insurance company's practice of breaking it's contract (the policy) with a claimant by illegal and improper means in an effort to deny payment of the claim.

Some of the bad faith practices that Unum specifically was caught doing include:

intentionally denying high-cost claims
misusing medical records
using an incorrect definition of disability to deny legitimate claims
changing policies retroactively

In addition to being ordered to alter such illegal practices, Unum was also made to:

pay a multimillion dollar fine
re-evaluate over 200,000 claims it has denied since 1997
pay out legitimate claims that were denied

Are you having problems with an Unum insurance claim? Our bad faith attorneys may be able to help you if you feel that your claim has been unfairly delayed or denied.

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Unum Forms

What is Unum?

Help Filling Out Unum Provident Claim Forms

Overcoming a Past of Bad Faith

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