I had a severe heart attack - we had a disability policy with UNUM and paid all premiums. Yet when disability was needed, the process we went through to get disability was worse than the heart attack - it was a 5-month-long extended TORTURE. It was so bad, my company (which was involved in my dealings with UNUM) canceled every full-time employee's disability policy with UNUM. Instead of listening to both my primary physician and my heart doctor - who were in agreement, they supplied their own doctors (who didn't know me, understand the severity of my situation and according to my heart doctor, did not understand heart issues) and ended up with half a month of disability support, when we should have received seven months. The process was so unjust, we did not bother to appeal what they wrongfully determined, but canceled all our policies with them. Do not use or trust this company under any circumstances. Those who work there should be ashamed and leave. read more