Under the Employee Retirement Income Security Act of 1947 (ERISA), Unum has 45 days to review and respond to your initial claim.
However, the company may request a 30-day extension to review your claim if they ask you to send additional information.
Between multiple requests for more information and additional extensions, the entire process could continue for up to 6 months.
In some cases, insurance companies like Unum may purposefully delay claims, as you can't appeal without an official denial letter.
If you believe Unum is using delay tactics with your claim, consider contacting an attorney as soon as possible.