Question
Does Unum have a timeline of when they must approve or deny a STD claim?
Does Unum have a timeline of when they must approve or deny a STD claim? I’m getting the run around with delay tactics of continuously needing more information from medical providers? They should have enough information to approve or deny my claim at this point and they continue to ask for more information. What is the best way to file a complaint against them? I have recently requested all information be put in writing. Extremely frustrating. They are unethical and clearly trained to twist something words around and attempt to imply I’ve said something I haven’t. They are now saying my PA isn’t a sufficient primary care provider since she is not a physician, however she was sufficient for the past 30 days. Can they do this?
Answer
Tracy, There are deadlines under the law with which Unum has to render a decision, typically, within 45 days after the receipt of all information. However, it is often much sooner with STD claims. How long has it been? As for the sufficiency of your treatment provider, they could argue that treatment is insufficient based upon how they define what a qualified treatment provider is under the policy.
