I only have 5 months until full retirement age. My SS is pretty good, so 5 month difference of $7500 with Unum is not worth the stress. Unum did pay 6.5 months of STD, LTD, STD, back to LTD then a back to work letter. Each transition required each my Dr's to write a new letters and send all new medical records (and I have an extensive history). After 40 years of paying LTD premium's, Unum was pretty dirty. I do have an SSD claim pending until Dec (when I reach full retirement age) but at $100 difference per month, I might see a check for $500.