In the wake of a loved one's passing, a myriad of responsibilities falls upon the survivors. One of these important tasks is notifying various entities, such as pension providers. If your loved one had a pension with Unum, this guide will help you understand the process of notification.
Who Should Be Notified
Unum is a leading provider of financial protection benefits in the United States and the United Kingdom, offering pension plans among its services. If your loved one had a pension with Unum, it's crucial to notify the company to stop payments and potentially claim any death benefits your loved one might have set up.
When to Notify
You should notify Unum as soon as possible following the death of a loved one. This helps prevent any overpayments and allows you to start the process of claiming any potential death benefits in a timely manner.
How to Notify
You can notify Unum of the death by calling their customer service line at 1-800-445-0402. Be prepared to provide the deceased's full name, date of birth, and policy number. You will also likely need to provide a certified copy of the death certificate, which can be mailed to Unum's main office.
What to Expect After Notification
Once you've notified Unum, they will guide you through the process of stopping the pension and claiming any death benefits. This may include filling out claim forms and providing additional information about the deceased's pension plan. The process can take several weeks, so it's important to start as soon as possible.
Tips for Notification
Keep a record of all interactions with Unum, including dates, times, and the names of any representatives you speak with. Also, keep copies of all documents you send to Unum, and consider sending any mail via certified mail to confirm delivery.
Conclusion
While the task of notifying pension providers like Unum can be daunting, it is a necessary step following the death of a loved one. By understanding the process and acting promptly, you can ensure a smooth transition and secure any benefits your loved one may have set up.
FAQ
Q: Can I notify Unum online?
A: Currently, Unum does not have an online process to report a death. You must call them or send them a letter.
Q: What if I don't have my loved one's policy number?
A: Unum can usually locate the policy using the deceased's full name and date of birth, but having the policy number can expedite the process.
Q: What if my loved one received overpayments after their death?
A: If Unum was not notified promptly and continued to make payments, they will typically request a refund. It's best to notify them as soon as possible to avoid overpayment situations.
