At no time is service and support more important to you or your employees than at claim time. Unum's dedicated claim professionals provide support, advice and guidance no matter the type of claim.

• Disability Claims
• Life/AD&D Claims

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Disability Claims

Unum's 3,000 claims professionals are dedicated to serving you and your employees with timely and responsive communications and information related to insurance benefits and return-to-work support. We invest heavily in the hiring and training of these employees, whose jobs demand that they know how to interact appropriately with customers experiencing the physical and emotional challenges of a disability.

We also offer online assistance with filing a claim for your employees, a step-by-step guide on how to support your employees when filing a claim, and an online claim status website for tracking group disability claims.

We provide a written service guarantee to claimants and their employers or insurance advisors when a claim is filed with us. We adhere to a four-part philosophy:

• Provide thorough, fair and objective evaluation of all claims
• Pay all valid claims with a high degree of customer service
• Assist our recovering disability claimants in their efforts to return to work
• Defend against invalid claims

Click the links below for more information:

• Our commitment at claim time
• Return to work services
• Claims experience reporting and analysis services

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Life/AD&D Claims

Unum understands that your employees and/or their beneficiaries may be experiencing one of the most difficult times in their lives when they come to us with a life insurance or AD&D claim. We pledge our empathy and understanding. When a claim is filed, you and your employee will receive a written guarantee of service standards, delineating the exact timeframes to expect from our service. Claim review, benefit payment and related service will be provided in a timely and responsive way.

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