{"schema_version":"secwatch.filing_event.v1","accession":"0000005513-25-000127","form_type":"8-K","ticker":"UNM","cik":"0000005513","company_name":"Unum Group","filed_at":"2025-11-03T23:59:59+00:00","discovered_at":"2026-05-14T18:02:41.863202+00:00","generated_at":"2026-05-17T00:59:07.345612+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Unum Q3 adjusted EPS $2.09 vs $2.13 YoY; LTC reserve hike $378M","bullets":["After-tax adjusted operating income $357.1M ($2.09 diluted EPS), down from $398.0M ($2.13) in Q3 2024.","GAAP reserve assumption updates added after-tax net reserve increase of $377.8M, primarily from long-term care.","Holding company liquidity $2.0B, RBC ratio ~455%; returned $980M YTD with $250M share repurchases in Q3.","Premium growth 2.9% constant currency; adjusted operating ROE 21.4%.","Segment: Unum US adj op down 7.8%; Colonial Life up 2.8%; Unum International down 3.7%."],"urls":{"canonical":"https://secwatch.observer/filing/0000005513-25-000127","json":"https://secwatch.observer/filing/0000005513-25-000127.json","markdown":"https://secwatch.observer/filing/0000005513-25-000127.md","text":"https://secwatch.observer/filing/0000005513-25-000127.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/5513/000000551325000127/0000005513-25-000127-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/5513/000000551325000127/unm-20251103.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T00:59:07.345612+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}