It has been 110 days today that my husband filed for his long-term disability benefits and we still do not have a determination! This company drags their feet and seems to be in no hurry to process his claim. It's amazing how quickly they have processed taking his premium payments over the past 10 years out of his paycheck. When people are out of work, for an injury, illness, surgery etc, one would like to think that their disability insurance company would be there to help you, this is NOT the case with UNUM. This company has an average of 1 star and there is a reason for that!