8-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): July 13, 2005

UNUMPROVIDENT CORPORATION

(Exact name of registrant as specified in its charter)

Delaware	1-11834	62-1598430
(State or other jurisdiction of incorporation or organization)	(Commission File Number)	(IRS Employer Identification No.)

1 Fountain Square

Chattanooga, Tennessee 37402

(Address of principal executive offices)(Zip Code)

(423) 294-1011

(Registrant’s telephone number, including area code)

Not Applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

¨ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

¨ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

¨ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

¨ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Item 5.02 Departure of Directors or Principal Officers; Election of Directors; Appointment of Principal Officers.

(b) On July 13, 2005, John W. Rowe notified the Company that after due consideration of the demands associated with his position as the President and CEO of Exelon Corporation, and his service on three public company boards, in addition to that of the Company, he was resigning from the Board of the Company effective on that date.

(d) On July 14, 2005, the Board of Directors of the Registrant elected Edward J. Muhl as a director of the Registrant. Mr. Muhl, who has been determined by the Board to be an independent director, has been appointed to serve on the Regulatory Compliance and Finance Committees of the Board of the Company.

A copy of the press release announcing the resignation of Mr. Rowe and election of Mr. Muhl is attached hereto as Exhibit 99.1.

Item 9.01 Financial Statements and Exhibits.

(c) Exhibits. The following exhibit is filed with this Report:

99.1 Press release of UnumProvident Corporation dated July 14, 2005, announcing resignation of one director and election of one director.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

	UnumProvident Corporation
	(Registrant)
Date: July 14, 2005.	By:	/s/ Susan N. Roth
	Name:	Susan N. Roth
	Title:	Vice President, Corporate Secretary &
		Assistant General Counsel

INDEX TO EXHIBITS

EXHIBIT
99.1	Press release of UnumProvident Corporation dated July 14, 2005, announcing resignation of one director and election of one director.

EX-99.1

Exhibit 99.1

NEWS RELEASE

FOR IMMEDIATE RELEASE CONTACTS: MEDIA: Jim Sabourin Vice President, Corporate Communications 423.294.6300 Toll free: 866.750.8686 (UNUM) INVESTORS: Thomas A. H. White Senior Vice President, Investor Relations 423.294.8996 UNUMPROVIDENT CORPORATION 1 FOUNTAIN SQUARE, CHATTANOOGA, TN 37402 www.unumprovident.com UNUMPROVIDENT ANNOUNCES ELECTION OF NEW DIRECTOR AND RESIGNATION OF EXISTING DIRECTOR Chattanooga, Tenn. (July 14, 2005) – UnumProvident Corporation (NYSE:UNM) announced today that its board of directors has elected Edward J. Muhl to serve as a director of the company. Mr. Muhl has over 35 years experience in the insurance industry in both the public and private sectors, having served as commissioner of insurance for Maryland and superintendent of insurance for New York. He also served as vice president and president of the National Association of Insurance Commissioners. Most recently, Mr. Muhl was national leader of the U.S. Insurance Regulatory Advisory Practice for PricewaterhouseCoopers. He continues to serve as a member of a Congressional Insurance Advisory Committee along with several other former insurance commissioners. “We are privileged to have Ed Muhl join our board of directors,” said Thomas R. Watjen, president and chief executive officer. “His experience in insurance regulation from both the perspective of the regulator and the insurer, as well as his continued involvement in proposals that will shape the future of insurance regulation in the U.S., are valuable qualifications that he brings to our board.” The Company also announced the resignation of John W. Rowe from its board. Mr. Rowe is chairman, president and chief executive officer of Exelon Corporation, a major electricity and gas company that provides delivery, generation and related power services in the Midwest and eastern United States. In addition to serving on the UnumProvident board, he also serves on the boards of Exelon Corporation, Sunoco Inc., and The Northern Trust. “John Rowe has provided exceptional advice and sound judgment as a member of our board of directors,” stated C. William Pollard, chairman of the board of UnumProvident. “We recognize that as the CEO of a major public utility who is a member of three other boards in addition to ours, sound principles of corporate governance suggest that John step down from one of his board memberships. While we welcome Ed Muhl to the board, we will also miss John Rowe’s strong contribution.” About UnumProvident UnumProvident is the largest provider of group and individual disability income protection insurance in the United States and United Kingdom. Through its subsidiaries, UnumProvident insures more than 25 million people and paid $5.9 billion in total benefits to customers in 2004. With primary offices in Chattanooga, Tenn., and Portland, Maine, the company employs more than 12,000 people worldwide.

© 2005 UnumProvident Corporation. All rights reserved.