|
Back to top
Q. How do I file a Cancer claim?
To notify us of a cancer claim, we will need to receive a completed claim form. If you purchased an individual policy (not through your employer), you may call us for a claim form (800-635-5597) or you can access our website, unum.com for instructions on how to obtain a claim form. The claim form includes everything you will need to submit a claim, including sections for you and your doctor to complete, and an authorization form that enables us to gather additional information as it becomes necessary.
In order for benefits to be payable, cancer must be diagnosed. Please include a copy of the pathology report verifying the date of diagnosis with your claim form.
Also, please provide proof of treatment, which may include any or all of the following:
- Itemized bills indicating the dates of treatment, ICD9 diagnosis code, and CPT4 procedure code(s).
- Medical records from your attending physician(s) indicating the dates and types of treatment, along with the diagnosis.
Back to top
Q. How do I file a claim for a Mammogram/Pap Smear/PSA reimbursement covered by my Cancer Policy? (Please be advised that not all states provide a reimbursement for a Pap Smear or PSA.)
To notify us of a claim for a Mammogram/Pap Smear/PSA reimbursement, we will need to receive a completed claim form. If you purchased an individual policy (not through your employer), you may call us for a claim form (800-635-5597) or you can access our website, unum.com for instructions on how to obtain a claim form. The claim form includes everything you will need to submit a claim, including sections for you and your doctor to complete, and an authorization form that enables us to gather additional information as it becomes necessary. Please include proof of the test performed with your claim form.
Back to top
Q. How do I obtain a copy of my Pathology Report?
The doctor who advised you of your diagnosis of cancer should have a copy of the pathology report.
Back to top
Q. What can I do to avoid delays in the processing of my claim?
Please insure all information requested on the claim forms is completed and all necessary documentation requested is provided.
Back to top
Q. Who will review my Cancer claim?
Once we receive your completed claim forms, you will be provided with direct access to a Voluntary Benefits Specialist who will personally handle your needs. This contact, an individual trained in your specific type of disability, will evaluate your claim and issue benefits to you.
Back to top
Q. Is anyone else involved in the review process of my Cancer Claim?
When appropriate, your Voluntary Benefits Specialist may call or send a written request to your attending physician to better understand your condition. Our in-house physicians, nurses and case managers support our Voluntary Benefits Specialists and may also be in touch with your doctor. These professionals may also review your medical records to assist in benefit determination.
Back to top
Q. When will I know about my Cancer benefits?
Within five business days of your claim being assigned to a Voluntary Benefits Specialist, you will be contacted. With some conditions, such as reimbursement for a Mammogram/ Pap Smear/ PSA, you will be notified by mail. If your medical condition is more complicated, we may require additional medical information to better understand your claim. Depending on how quickly we receive the additional information, your benefits determination could take longer. In such a case, your Voluntary Benefits Specialist will provide you with a written update on the status of your claim at a minimum of every 30 days until a claim decision is made. Our goal is to provide a decision as quickly as possible. Your prompt response to requests for information about your claim will help us serve you better and ensure that you receive payments in a timely manner.
Back to top
Q. What if I have questions about my Cancer claim?
During your first conversation with your Voluntary Benefits Specialist, you will receive a toll-free number that you can use whenever you need to reach him or her with questions or concerns about your claim. You can also access our website, unum.com,.
Back to top
Q. What happens if I disagree with Unum's decision on my Cancer claim?
Our claims process is designed to ensure that your claim receives a thorough, fair and objective evaluation. In addition, numerous safeguards are in place throughout the process to ensure the integrity of decisions that result from our evaluation. If we determine that benefits are not payable either in whole or in part, you may appeal the decision by requesting a separate, impartial review from our Appeals Unit.
Back to top
Q. Where can I find out what benefits are payable under my Cancer Policy?
You will find this information noted in your Policy.
Back to top
Q. Where would I find a copy of my Cancer policy?
You may call our Contact Center at 1-800-635-5597 and request the Policy Services Department. Be ready to provide your policy number or social security number as this information is used to locate your policy information.
Back to top
Q. What should I do if I have not received my check?
You may call our Contact Center at 1-800-635-5597 to inquire about the status of your check and the address to which it was mailed. If the address is correct, please allow 10 business days from the date of issue for the check to be delivered. If a check is inadvertently mailed to the wrong address, the check will be stopped and reissued immediately. If the address is correct, but the check is not received within 10 business days, ask to speak to your Benefit Specialist.
Back to top
Q. Are my benefits taxable?
No, your benefits are not taxable. Your policy premiums are deducted from your paycheck after your taxes have been deducted; therefore, the benefits cannot be taxed.
Back to top |