Complaint / review text:
I applied for LTC insurance 5.5 months ago on behalf of my 91 year old father. He had hip replacement a year ago and a subsequent stroke. He can't speak well, can't understand what's going on, lives in assisted living and wears diapers. Unum told me the claim would take 4-6 weeks to process, that was 5.5 months ago. They finally sent the claim to a clinician for review and said it could take up to 10 days. That was 14 days ago. They gave me the impression that the clinician's review is the last step in the claim process. Now I just received a letter that the claim's specialist is going to continue asking for medical records even after the clinician makes a decision. You really wonder if they are stalling in case my father dies in the meantime.