Colonial Life & Accident Insurance Company
View Disability Cases With Colonial Life & Accident Insurance Company
Post or View Comments About Colonial Life & Accident Insurance Company (9 comments)
Colonial Life & Accident Insurance Company was founded in 1939 and is headquartered in Columbia, SC. Colonial Life specializes in voluntary benefits programs offered through the workplace and provides personal insurance products including long-term disability, life, cancer, critical illness, hospital confinement and limited benefit medical coverage.
Colonial Life Insurance Company is a subsidiary of Unum Group whose policies are underwritten by Colonial Life Affiliate and The Paul Revere Life Insurance Company. Colonial Life Insurance Company currently serves 60,000 businesses and organizations.
As disability insurance attorneys, Dell & Schaefer have represented numerous clients with their long-term disability claims against Colonial Life and its affiliated companies. Disability Attorneys Dell & Schaefer have provided and offer the following legal services for disability claimants that have a long-term disability insurance policy or disability income policy purchased from Colonial Life:
- Application for long-term disability benefits with Colonial Life
- Application for short-term disability benefits with Colonial Life
- Monthly claim handling of Colonial Life long-term disability insurance claims
- Appeal of a Colonial Life denial of long-term disability benefits
- ERISA appeal of a Colonial Life denial of long-term disability benefits
- Lawsuit against Colonial Life for denial of long-term disability benefits
- Lump-sum buyout of a Colonial Life long-term disability insurance policy
- Department of Insurance complaints against Colonial Life for wrongful delay and denial of long-term disability benefits
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Hello,
Surprised to find you specializing in a particular carrier. I signed with Colonial Life as an agent, but am stalling selling until I can complete due diligence on the co. How bad is it? Can you give any quantification or qualification? I’m one of those ethical insurance brokers who cares about products, carriers and clients. Thanks for your reply.
Leah, I am assuming you are aware that Colonial Life is a subsidiary company of Unum. Unum is the largest seller of disability insurance in the United States. I associate Colonial in the same category of Unum. If you want to learn more about Unum I suggest you look at our website at diattorney.com/unum. Unum sells some decent long term disability policies and the old policies sold by Provident and Paul Rever are some of the best. I do not think you should have any ethical concerns selling Colonial or Unum products. There are some companies that have better long term disability products available. Here is a summary of Unum’s subisidiares:
Products and Services Provided by Unum Subsidiaries
Unum Group, through its various subsidiaries, provides insurance products and services in numerous countries. As used on this website, “Unum” refers to Unum Group and its insuring subsidiaries. Not all Unum companies do business in all jurisdictions and insurance products and services are not available in all jurisdictions. Insurance products and services are offered through the following Unum companies:
Colonial Life & Accident Insurance Company
Columbia, South Carolina
(all states, except New York)
NAIC Number 0565-62049
The Paul Revere Life Insurance Company
Worcester, Massachusetts
(New York)
NAIC Number 0565-67598
Provident Life and Accident Insurance Company
Chattanooga, Tennessee
(all States, except New York)
NAIC Number 0565-68195
Provident Life and Casualty Insurance Company
Chattanooga, Tennessee
(New York and other states)
NAIC Number 0565-68209
First Unum Life Insurance Company
New York, New York
(New York only)
NAIC Number 0565-64297
Unum Life Insurance Company of America
Portland, Maine
(all states, except New York)
NAIC Number 0565-62235
Unum Limited
Insurance products and services offered in the United Kingdom and Europe.
I have had Colonial Life ins. for many years for short and long term dissability as well as life ins. I have just had my first experience with this ins. comp. when I filed a claim for short term dissability due to illness and have nothing good to say about this company. They denied my inital claim and then denied my appeal. They find every excuse in the book not to cover your claim, do not meet their dead lines and refuse to give you any information over the phone regarding the status of your claim. They advertise that they are there for you, but that is not the truth. They are there for themselves and their pocket. It makes me sick to think of how much money I have given this company over the years and how they were not there when I needed them the most. I DO NOT recommend this ins. company to anyone because you can not depend on them to be there when you need them the most. If you were smart you would avoid this insurance company like the plague.
I am not pleased with the services of Colonial Life at all. Colonial took over 1,000 dollars out of my account without my knowledge or authorization. My insurance had been cancelled since October, 2010 and they took money out of my account on March 11, 2011. I specifically spoke with a representative and he told me my account was closed. They are RIP OFFS!!!
I have a Colonial Life short term disability policy since 1994. I recently had a neck surgery and then a staph infection surgery. They insisted on getting my medical records from my old shoulder doctor. I sent a letter, telling them that this request was not necessary because it was not relevant. After them trying to get those records for months. After insisting they needed those records for three months, they denied the claim because the home confinement box was not checked by my doctor. If they had denied the claim based on the unchecked box by my doctor right away, I could have provided the information easily. Now that time has passed, I won’t remember every thing. Their customer service department should be called robo calls because they all say exactly the same thing no matter what you ask or say. I have been waiting form this money and now I have to go around their mulberry bush again.
Colonial Insurance must be part of 1st Unum Insurance! I have a short term policy with 1st Unum (2 year) and talk to Colonial employees! I have never been lied to so much in my life about my claim! They tell you one thing one day and something different the next! Always blame the doctor’s office one time and the next something different! Tell me they mailed my check on one date then a week later I’ll call to see where the check is and they tell me they are working on it and will mail it in a couple days! Others where I work say the same thing! 1st Unum should be banned from insurance business! Maybe it’s Government Run!
I have had colonial life for many, many years now. I too have had the most horrible service lately with them. They didint used to be like this though, when I first signed up in 2000. Now, OMG!!!!! they go wayyy over the initial date they give u to be done with the claims. They have to nerve to not let the reps. allow you to speak with a supv. when u ask for one. Im tired of hearing that I have to give them 24 more hours to complete my claim, when they have already had it for more than 15 days. They dont care. They dont care how much we complain, or if we start dropping policies, i guess because they are making so much money. But I have recently got AFLAC for all the same polices, and let me just tell all of u thay may not know, but AFLAC is the way to go, they never take more than 7 days to do any claim.
Lies, lies, lies thats all I get from the Colonial people over the phone. It is so obvious that this must be what they are taught to tell the policy holders. They will stretch the rope to the limit (if you mail your claim, expect seven working days before we receive it) if you fax (five days before they admit to receiving it) and then twelve working days before they mail the check (please wait five working days before you receive the check in the mail). If you want it sooner, eighteen dollars to overnight it. And that’s after those twelve days I mentioned earlier. Crazy, just darn crazy. You know this is what all the protests are about. Every week my premium is paid on time, every time. But if I get sick, it seems I will have a big problem getting a simple check from these people to pay for my meds. It makes you sicker than you are.
Colonial Life is a scam, they find anyway they can to deny your claim. They tell you one thing one day, and another then next, they file notes that you stated time and time again and even reread to you line by line that makes the statements they say false. I can’t stand when a rep. opens a file and reads the notes to only tell you what you already know… They love to take your money and offer no services for it. AFLAC is a much better company.