More about:

Learn about Filing Claims for Long Term Disability (LTD)

An overview on how to file claims for LTD.

How to file a Long Term Disability Claim

As an employee of The Commonwealth of Massachusetts, you may contact Unum directly to initiate a Long Term Disability claim. You should contact Unum 30 days prior to the end of your elimination period (90 days from your date of disability). If you wait more than 180 days after your disability, you may not be eligible to receive benefits.

To initiate a claim, dial toll free 1-877-226-8620 and select option 1

Once you have initiated your claim by calling Unum, a Long Term Disability claim package will be mailed to your home address within one (1) business day. The claim package will include the following:

  1. Cover Letter with instructions;
  2. Claimant Statement; and
  3. Attending Physician's Statement which must be completed by your doctor.

All paperwork should be submitted to the address or fax number indicated on the claim form.

When Unum receives all requested information, a claim number will be assigned and a Unum Disability Benefit Specialist will contact you directly within five (5) business days to establish next steps.

How to check the status of your Long Term Disability claim

You can check the status of your long term disability claim by calling 1-877-226-8620 (toll free). You may speak with a Contact Center representative directly or use our Interactive Voice Response (IVR) system once you have received your claim number in the mail. The IVR is available 24 hours a day and the Contact Center is open 8am to 10pm (EDT).

You can also check the status of your long term disability claim via the internet at Unum or using the Unum mobile app. Your Unum Disability Benefits Specialist will provide detailed instructions in your initial letter.

Please Contact Unum orĀ see their website for additional information.


Did you find the information you were looking for on this page? * required
We use your feedback to help us improve this site but we are not able to respond directly. Please do not include personal or contact information. If you need a response, please locate contact information elsewhere on this page or in the footer.
Tell us what you think