A general unified theory of field (van der Waals, electric, etc.)-induced surface instabilities in thin viscoelastic films that accounts for a destabilizing field and stabilizing effects of elastic strain and surface energy is presented. The present theory seamlessly covers the instability and its different regimes in films ranging from elastic to viscous, from adhesive (confined) to wetting (free surface), and from short- to long-wave instabilities. The critical conditions for the onset of instability are found to be strongly dependent on elastic properties such as the shear modulus of the film, but the dominant wavelength is strikingly independent of the film rheology. Different regimes based on a nondimensional parameter (gamma/mu h) are uncovered, where gamma is the surface energy, mu is the elastic shear modulus, and h is the film thickness. A short-wave, elasticlike response with wavelength lambda approximate to 2.96h is obtained for gamma/mu h < 0.1, whereas long waves that depend nonlinearly on the field strength and surface energy are obtained for gamma/mu h > 1. Owing to their small critical thickness, wetting films destabilized by intermolecular forces always display long-wave instability regardless of their viscoelasticity. Furthermore, our numerical simulations based on energy minimization for unstable wetting elastic films show the formation of islands for ultrathin films and a morphological phase transition to holes embedded in the film for relatively thicker films. Unlike viscous films, however, unstable elastic films do not display a unique dominant wavelength but a bimodal distribution of wavelengths.