Overview
Unum Group is a company that helps protect people’s financial wellbeing by providing insurance and financial products. They mainly focus on things like disability insurance, which offers income support if you can’t work due to an illness or injury, and life insurance, which gives peace of mind by providing funds to loved ones when someone passes away. They also offer supplemental health benefits that can help cover unexpected medical expenses. Unum is all about making sure that when life throws you curveballs, you have support to help you get through it.
Difficulty
12345678910
Easy Medium Very Hard
The description is based on an overview of Unum Group's services and is tailored for a general audience, avoiding complex terminology.
How to Get a Unum Group Refund: Step by Step
If you purchased through Unum.com directly:
- Visit the Unum.com website.
- Log in to your account by clicking on the "Log In" button at the top right corner.
- Access your account settings by clicking on your profile name or icon.
- Select "Order History" or "Billing" from the dropdown menu.
- Locate the transaction for which you request a refund.
- Click on "Request Refund" next to the relevant transaction.
- In the refund request form, include a message emphasizing that the subscription renewed without notice or that the account was unused.
- Submit your refund request and note any confirmation number for future reference.
If you purchased through a credit card:
- Gather your purchase details including the transaction date and amount.
- Contact your credit card provider’s customer service by calling the number on the back of your card.
- Request to dispute the charge, explaining that the service was not authorized or that the subscription renewed without your consent.
- Provide any necessary documentation or details they request.
- Follow up with your credit card provider to ensure the dispute is processed.
If you purchased through another third-party service:
- Identify the third-party service used to make the purchase (e.g., PayPal).
- Log in to your account on the third-party service’s website.
- Navigate to the Activity or Transactions section.
- Find the Unum transaction and select it.
- Look for an option to Request Refund or Dispute Charge.
- In your request, mention that the subscription renewed without notice or that the service was never used.
- Submit the request and keep any confirmation information.
Tips and Tricks for Getting a Unum Group Refund
- Document everything: Keep records of all communications, including dates, times, and names of representatives.
- Be persistent: If you don’t get a response, follow up regularly. It's often about staying on their radar.
- Use clear, concise language: Clearly state your request and the reason for the refund, avoiding jargon.
- Escalate when necessary: If you encounter roadblocks, ask to speak to a supervisor or manager directly.
- Leverage social media: Sometimes posting on platforms like Twitter or Facebook can prompt a quicker response.
- Timing matters: Call during mid-week mornings when call volumes may be lower for faster service.
- Stay calm and professional: Your tone can influence the outcome; being polite can go a long way.
- Ask for deadlines: Request clear timelines for your refund process to keep them accountable.
- Utilize industry jargon: If familiar with terms related to your policy type, use them to sound knowledgeable.
- Read online reviews: Certain tips or success stories about specific representatives may guide your conversation.
Why Do People Request Refunds from Unum Group
- Benefit Denials: Customers may request refunds due to denied claims for benefits they believe they are entitled to.
- Policy Cancellation: Refunds are often sought when customers cancel their policies before the end of the term.
- Overpayment: If customers have accidentally overpaid for premiums, they may seek a refund for the excess amount.
- Service Dissatisfaction: Unsatisfactory customer service experiences can lead individuals to request refunds.
- Inaccurate Billing: Errors in billing amounts may prompt customers to seek refunds.
- Policy Modifications: Changes in the terms of a policy that do not meet customer expectations can result in refund requests.
- Misunderstanding of Terms: Customers may feel misled about the terms of their policies and ask for refunds.
- Change in Financial Situation: Significant changes in personal or financial circumstances can drive individuals to seek refunds.
Unum Group Refund Script
Script
Copy
Dear Unum Group Customer Service,
I am reaching out regarding a recent billing issue that has resulted in an unexpected charge on my account. I did not authorize this transaction and would like to respectfully request a refund for the amount in question.
I appreciate your attention to this matter and look forward to your prompt response.
Thank you for your assistance.
Best regards,
Unum Group Refund Policy
Unum Group's official website does not provide a specific refund policy. For detailed information regarding refunds, it's recommended to contact Unum's customer service directly at 1-800-275-8686 or via email at askunum@unum.com.)
The Easiest Way to Get a Unum Group Refund
If you’re frustrated trying to get a refund from Unum Group—or if you didn’t even realize you were being charged—Chargeback can help. Chargeback is a personal subscription manager that automatically detects hidden, recurring charges like Netflix, Hulu, and hundreds of others. With one click, we can cancel unwanted subscriptions, flag suspicious billing, and even initiate refund requests on your behalf. No more waiting on hold or navigating confusing help pages. Just connect your bank or card account, and we’ll take care of the rest.
Start reclaiming your money today with Chargeback
Editorial Note: These articles reflect the opinions of Chargeback's writers. Everyone's situation is unique; therefore, it is important to conduct your own research and note that our self-help tools are not guaranteed to help with any specific problem.
.svg)
.svg)
.svg)
.svg)
.png)
