Unum Headquarters & Corporate Office

About Unum

Unum Group is a major international provider of workplace benefits, insurance products, leave-management services, and employee-support solutions headquartered in Chattanooga, Tennessee. The company’s roots go back more than 175 years, and today its businesses help workers and their families manage the financial impact of illness, injury, disability, hospitalization, and death. Its principal brands include Unum in the United States and United Kingdom, Colonial Life in the United States, and Unum operations in Poland, while Ireland supports strategic technology development and services.

Unum’s modern business centers heavily on employer-sponsored benefits rather than traditional direct-to-consumer insurance. Its product portfolio includes disability insurance, life insurance, accidental death and dismemberment coverage, accident insurance, critical-illness insurance, hospital indemnity coverage, dental, vision, pet insurance, and employer leave and absence-management services. Unum also provides HR technology integrations and digital tools designed to make claims, benefits administration, and leave management easier for employers and employees.

Unum Group is publicly traded on the New York Stock Exchange under ticker UNM and remains headquartered at 1 Fountain Square, Chattanooga, TN 37402. Current 2026 corporate materials identify Rick McKenney as President and Chief Executive Officer. As of December 31, 2025, Unum reported protecting approximately 47 million individuals and family members, serving benefits through about 174,000 companies, employing 10,000+ people globally, and paying approximately $8.3 billion in benefits during the year.

Unum Headquarters & Corporate Office Address

Current Headquarters

Unum Group
1 Fountain Square
Chattanooga, TN 37402
United States

Unum’s current corporate information identifies 1 Fountain Square in downtown Chattanooga as its corporate headquarters. The location supports executive leadership, corporate functions, investor activity, business strategy, and other enterprise operations.

Corporate Office

For Unum Group’s primary U.S. corporate operations, the corporate office and headquarters are the same

1 Fountain Square, Chattanooga, TN 37402

Unum also maintains major operating offices in Portland, Maine; Columbia, South Carolina; Baton Rouge, Louisiana; the United Kingdom; Poland; and Ireland.

Mailing Address

For policyholder claims correspondence, Unum publishes

Unum Life Insurance Company of America
P.O. Box 100158
Columbia, SC 29202

This address is intended for claims and policy-related correspondence, not as a replacement for the Chattanooga corporate headquarters.

Other Important Address

Colonial Life, another major Unum Group brand, maintains a principal office at

1200 Colonial Life Boulevard
Columbia, SC 29210

This is an operating office for Colonial Life rather than Unum Group’s main corporate headquarters.

Quick Information

Corporate Phone Number

423-294-1011

This number is published alongside Unum Group’s primary Chattanooga physical office.

Customer Service Number

866-679-3054

Current policyholder support hours are Monday through Friday, 8:00 AM to 8:00 PM Eastern Time.

Corporate Office Address

1 Fountain Square, Chattanooga, TN 37402

Headquarters Address

1 Fountain Square, Chattanooga, TN 37402

Email

Media: mediarelations@unum.com

Unum does not publish one universal unsecured email for all claims and policy servicing. Customers are encouraged to use their online account or the applicable benefit-specific contact route.

Industry

Employee Benefits, Insurance, Disability Insurance, Life Insurance, Leave Management and Workplace Financial Protection

Founded

Unum’s predecessor businesses have operated for more than 175 years.

Number of Employees

10,000+ global employees as of December 31, 2025.

Customers / People Protected

Approximately 47 million individuals and their families, with benefits offered through about 174,000 companies.

Corporate Office Hours

Unum does not prominently publish public walk-in hours for its corporate headquarters.Policyholder Customer Support operates Monday through Friday, 8:00 AM to 8:00 PM ET.

Website

https://www.unum.com/

Investor Relations / Careers Page

Investor Relations: https://www.unumgroup.com/investors

Careers: https://careers.unum.com/

Unum Products & Services

Disability Insurance

Unum is one of the best-known U.S. providers of workplace disability insurance. Coverage is designed to replace part of an employee’s income when a qualifying illness or injury prevents that person from working, with both short-term and long-term disability options available through employer benefit programs.

Life Insurance

Unum provides employer-sponsored term life and other life-insurance products designed to offer financial protection to beneficiaries following the insured person’s death. Coverage structures vary by employer plan and may include employee, spouse, and dependent options.

Accidental Death & Dismemberment Insurance

AD&D coverage can provide additional benefits following certain qualifying accidental deaths or serious accidental injuries. It is often offered alongside term life coverage through employer benefit packages.

Accident Insurance

Accident insurance provides scheduled benefits after qualifying injuries or accident-related medical events. The cash benefit can help employees manage deductibles, treatment expenses, transportation, or other costs that may not be fully covered by medical insurance.

Critical Illness Insurance

Critical-illness coverage can provide a lump-sum or defined benefit after diagnosis of certain covered serious illnesses. The money can generally be used for expenses chosen by the policyholder, subject to policy terms and eligibility.

Hospital Insurance

Hospital indemnity insurance pays qualifying benefits when an insured person is hospitalized or receives certain hospital-related services. It is designed to supplement major medical insurance rather than replace comprehensive health coverage.

Dental Insurance

Unum offers workplace dental coverage with benefits for preventive, basic, and qualifying major dental services depending on the employer’s selected plan.

Dental claims can be managed through dedicated support channels separate from disability and life insurance.

Vision Insurance

Vision benefits can cover or discount qualifying exams, lenses, frames, and other eligible vision-care expenses.Unum uses specialized support for dental and vision claims at 888-400-9304.

Pet Insurance

Unum’s current workplace-benefit portfolio also includes pet-related coverage options.Availability depends on the employer and product configuration, and pet coverage may be administered differently from Unum’s traditional disability and life policies.

Leave Management

Unum provides employer leave-management services designed to help organizations administer employee absences, statutory leaves, disability-related leaves, and return-to-work processes.The company’s leave tools combine digital workflows with service teams and compliance support.

Total Leave

Total Leave is Unum’s absence-management platform for employers and employees. It is designed to centralize leave requests, improve employee communication, support compliance, integrate with benefits, and give HR teams better visibility into workforce absences.

MyUnum

MyUnum provides employers and plan administrators with online tools for benefits administration, account management, eligibility, billing, and other service functions.Employees can also use Unum digital tools to file claims, upload documents, check status, and update qualifying information.

MyUnum for Members

The MyUnum for Members mobile application allows insured employees to manage certain claims and benefits from a mobile device.Users can check claim status, receive updates, and access benefit information depending on their policy and employer setup.

HR Connect

Unum HR Connect integrates Unum benefits and leave services with supported human-resource information systems.The system is intended to reduce manual data entry and synchronize enrollment, eligibility, employee information, and leave-management data.

Colonial Life Benefits

Colonial Life is a major Unum Group brand offering voluntary worksite insurance in the United States.Products include accident, disability, life, critical illness, hospital, dental, and other workplace benefits distributed primarily through employers.

Unum Corporate Phone Numbers

Corporate Phone Number

423-294-1011.

Corporate Headquarters Number

423-294-1011

Headquarters Number

423-294-1011

Corporate Office Number

423-294-1011

Customer Service Number

866-679-3054

Monday through Friday, 8:00 AM to 8:00 PM ET.

Customer Support Number

866-679-3054

Leave and Disability Claims Number

866-779-1054.

Term Life / AD&D / Whole Life Claims Number

800-445-0402.

Accident, Critical Illness and Hospital Claims Number

800-635-5597.

Dental and Vision Claims Number

888-400-9304.

Long-Term Care Number

800-693-4988.

Total Leave Manager Portal Support

866-390-1737

This number is specifically published for Total Leave Manager Portal registration and login assistance.

Claims Fax

800-447-2498

Unum notes that mailed or faxed claims documentation can require additional processing time.

Toll-Free Number

Multiple Unum service lines are toll-free, including

866-679-3054 for general policyholder service
866-779-1054 for leave/disability claims
800-635-5597 for accident, critical illness, and hospital claims.

Sales Number

Unum does not prominently publish one universal consumer sales number because most products are distributed through employers and benefits brokers.Employers interested in coverage should use Unum’s employer and broker channels.

Billing Number

General policyholder and account support

866-679-3054

A separate universal billing-only public number is not prominently published.

Regional Office Number

Unum has several major offices with direct switchboard numbers, including

Portland, Maine: 207-575-2211
Columbia, South Carolina: 803-798-7000
Baton Rouge, Louisiana: 225-926-2888.

International Number

Unum Limited in the United Kingdom

+44 1306 887766.

Emergency / After-Hours Number

Unum does not publish a general corporate emergency hotline.For urgent medical emergencies, contact emergency services rather than an insurance claims department.

Investor Relations Number

Unum maintains an Investor Relations team at its Chattanooga headquarters. Current public IR materials should be used for the latest individual contact because named representatives can change.

Investor Relations: https://www.unumgroup.com/investors

Media / Press Contact

mediarelations@unum.com.

Human Resources Number

Unum does not prominently publish one universal applicant HR number.

Careers: https://careers.unum.com/

Reservations / Booking Number

Not applicable.

Unum is an insurance and employee-benefits company.

How to Reach a Real Person at Unum

For most policy, claim-status, benefit, document-upload, billing, or general servicing questions, start with 866-679-3054 during Monday through Friday support hours. If your question involves a specific claim category, using the specialized line can be faster. Disability and leave customers should use 866-779-1054, life-insurance claimants can use 800-445-0402, and accident, critical illness, or hospital claimants can use 800-635-5597. Have the insured person’s name, policy or claim number, employer name, date of birth, claim dates, and relevant correspondence ready.

Employees covered through a workplace plan should also check with their employer’s HR or benefits department because that department may need to confirm eligibility, plan information, or leave details. Unum encourages online claim management, and the website and MyUnum tools can often be used to upload documents and check status without waiting for a phone representative.

For a problem that has already been reviewed by front-line support, ask the representative to document the issue and request supervisor, claims specialist, appeals, or management review as appropriate. Keep claim numbers, dates, representative names, written decisions, medical documentation, and employer communications together because these records become especially important if the matter moves to a formal appeal or regulator.

How to File a Complaint Against Unum

Complaints against Unum may involve claim denials, delayed disability payments, life-insurance benefits, leave administration, billing, customer service, policy interpretation, enrollment, or another benefit issue. Before escalating, gather the policy or certificate, claim number, denial or determination letters, medical documentation, employer benefit information, payment records, and notes from prior calls.

Step 1: Contact Customer Service

Call 866-679-3054 and explain the issue to a Customer Support representative. If the complaint involves an active claim, use the claim-specific number so the representative can access the appropriate file. Provide the relevant claim or policy number and ask for a clear explanation of the current status, outstanding requirements, and what action Unum will take next. Keep the representative’s name, date, and reference information.

Step 2: Contact the Relevant Department

Use the specialized department connected with the dispute. Disability and leave issues can be directed to 866-779-1054, life and AD&D to 800-445-0402, accident, critical illness and hospital claims to 800-635-5597, dental and vision to 888-400-9304, and long-term care to 800-693-4988. Providing the correct team with complete documentation can prevent delays caused by unnecessary transfers.

Step 3: Request Supervisor or Management Review

If the first representative cannot resolve the complaint, request review by a supervisor, senior claims specialist, leave specialist, or other appropriate manager. Explain what has already happened, identify the decision or delay being disputed, and provide the exact outcome you want. Ask for the escalation to be documented in the file and retain any reference number or written response.

Step 4: Use the Company’s Written Complaint Channel

Submit supporting information in writing through the secure Unum account where available, or use the mailing/fax process associated with the claim. For claims correspondence, Unum publishes P.O. Box 100158, Columbia, SC 29202, and claims documents can be faxed to 800-447-2498. Written submissions should include the claim number, policyholder information, disputed action, supporting evidence, and requested resolution.

Step 5: Contact Corporate Headquarters

For a serious unresolved corporate issue, correspondence can be sent to Unum Group, 1 Fountain Square, Chattanooga, TN 37402. Include copies of relevant decisions, dates, claim numbers, employee or employer information, and prior escalation history. Corporate headquarters should generally be an escalation route after the operating claims or service department has had an opportunity to address the problem.

Step 6: Use the Specialized Complaint or Dispute Department

If the issue involves a formal benefit denial, follow the appeal procedure stated in the denial letter, certificate, summary plan description, or policy. Employer-sponsored benefit claims can be subject to specific deadlines and administrative appeal requirements, including ERISA procedures for qualifying plans. Carefully follow the stated submission method and deadline rather than relying only on informal phone complaints.

Step 7: File With the Appropriate Regulator

Insurance regulation generally occurs at the state level. If the complaint concerns insurance practices, claim handling, or policy administration and remains unresolved, the policyholder may file with the insurance department in the state that regulates the policy. For certain employer-sponsored plans, the U.S. Department of Labor Employee Benefits Security Administration may also have jurisdiction depending on the nature of the plan and dispute.

Step 8: Use Consumer Protection or Financial Dispute Options

If the complaint involves unfair billing, misleading representations, or another consumer issue that is not resolved through the insurance complaint process, additional options can include a state Attorney General, state consumer-protection office, employer benefits administrator, or other agency with jurisdiction. The correct route depends on whether the disputed coverage is an individual policy, group insurance contract, ERISA plan, or other workplace benefit.

Step 9: Consider Formal Legal or Arbitration Procedures

For significant denied benefits or unresolved contractual disputes, review the policy, plan documents, and appeal rights before considering litigation, arbitration, or legal counsel. Benefit disputes can be subject to strict filing deadlines and exhaustion requirements, so preserving all claim records and obtaining qualified legal advice may be important before taking formal action.