Dearborn National / Fort Dearborn
View Disability Cases With Dearborn National / Fort Dearborn
Post or View Comments About Dearborn National / Fort Dearborn (15 comments)
Founded in 1969, Dearborn National, formerly known as Fort Dearborn Life Insurance, Fort Dearborn Life Insurance Company of New York offers employee benefits including group life and disability insurance products throughout the US. Its products also include annuities, dental plans, discount prescription drug programs, and critical illness benefit plans. Dearborn National also offers individual life insurance and annuity products.
Dearborn National brand companies are licensed in all 50 states, as well as the District of Columbia, the U.S. Virgin Islands, the British Virgin Islands, Guam and Puerto Rico. Dearborn National has reported net revenues of nearly $1.4 billion, total assets of nearly $3.7 billion and shareholder’s equity of more than $670 million.
Dearborn National’s parent company is Health Care Service Corporation, a Mutual Legal Reserve Company, (HCSC) is one of the largest non-investor owned health care insurance provider in the United States and the fourth largest overall.
Its sister company is Colorado Bankers Life Insurance Company. Colorado Bankers Life underwrites individual life, accident, critical illness and annuity products, distributed primarily through payroll deduction, federal, postal and military allotments, state and local government payroll systems and individual bank draft billing.
Preferred Financial Corporation is the parent company of Colorado Bankers Life Insurance Company (CBL) and acts as an insurance agency for, and contracts with, the producers selling CBL products.
- Application for long-term disability benefits with Dearborn National
- Application for short-term disability benefits with Dearborn National
- Monthly claim handling of Dearborn National long-term disability insurance claims
- Appeal of a Dearborn National denial of long-term disability benefits
- ERISA appeal of an Dearborn National denial of long-term disability benefits
- Lawsuit against Dearborn National for denial of long-term disability benefits
- Lump-sum buyout of an Dearborn National long-term disability insurance policy
- Department of Insurance complaints against Dearborn National for wrongful delay and denial of long-term disability benefits
Request a Free Consultation
Click here or call 800-682-8331 now!
We respond the same day. We represent disability insurance claimants all over the United States.
There are 15 comments so far. Add yours ↓
- Fort Dearborn Life Insurance Company faces disability denial lawsuit from disabled account clerk of Katz Insurance Group diagnosed with PTSD
- Dearborn National is watching Disability Insurance Attorneys Dell & Schaefer
I have been involved with FORT Dearborn National for two year plus. I was recently denied for long term disability. After January beeing reveiwed the company was doing that every three months. The company turn around and reveiwed my case again in Febuary because of a paper showing up in the system from March 2010. That information was a year old and it took them a month to realizied. I had been seeing a new doctor sent September of 2010. I spoke to my adjuster and she discovered it while we were on the phone that day. She told me that would release my benefit for Febuary but in the same breath told I would be up for reveiw for the two year mark.And know my benefits have be denied it’s be one world wind. I really thought that this would be a good idea just in case something were to happen to my on the job. My son’s was not activity in his life and was the only one here. I am pined surgery workmen compensation has been the wholed up on the other side. They are saying that the doctor have to give detailed information. The doctor is saying they have given detailed information.
Dearborn National is a horrible provider. Been on STD for 4.5 months for a rotator cuff tear. I’m a 47yr old Laborer for the city of Beverly Ma. The city’s policy is that you have to be 100% recoverd to return to work and a time of 6 months is standard for this injury. It is Dearborn’s national practise to discourage their subscribers from collecting benefits by denying payment every three weeks pending new doctor evaluations. The doctor’s policy is to see a patient every six weeks allowing time for the injury to heal.
Dearborn national uses this discrepancy in policys to deny payment. Of course the injured party is now faced with mortage/rent, food, health ins. bills ect and no way of paying them on the small 60% payment they are supposed to be receiving. I regret ever buying into this fly by night rip-offf scam of a company!!!
My sister in law has worked for Austin Hospice for over 12 years and took out short and long term policies that were offered. She has taken care of many pepole that were in the last stages of theire lives, mostly form cancer. It is unfortunate that as she has been diganosed with stage 3 colon cancer and has been undergoing chemo treatments every other week. She had been told her time off would be six months for the treatment. She filed all paperwork promptly and has continued to come up with the medical payments monthly so she would be covered. It is now going on the 4th month, time to file for long term benefits and she has still not receved a penny of the short term money. Shame on Hospice of Austin to allow this to happen, shame on Dearborne for their wanting their money promptly but cannot live up to their contract. I have to wonder if when she now has to file for long term and they are still accepting her premimum what the excuse will be then. Also I have to wonder just why Hospice of Austin has not stepped in. It is sad to think that Austin Hospice cannot even protect their own.
My sister and I both have Blue Cross Blue Shield Texas through our employers. They are an excellent medical insurance provider. Unfortunately any other benefits offered by BCBST (like short/long term disability) are offered through Dearborn. What an embarassment it must be for BCBST to have their reputation stained by the incompetence of the likes of Dearborn.
MONTHS after my sister’s having had surgery and despite having continued to make her monthly insurance payments (even though she can ill afford it as she has no income), Dearborn has still not provided any type of disability benefits despite extensive review of hospital/physician and pharmacy records. At best, I can only describe their actions as malicious and duplicitous.
I pray that I do not become ill and have to take any extended time off while covered by Dearborn’s policy if this typical of Dearborn’s response. Because of this situation, I have also requested that my company provide an alternate policy in lieu of the scam that Dearborn offers.
Dearborn is the typical bully kicking it’s opponent in the ribs while they’re down.
I have a comlaint against Dearborn National. I had shoulder replacement in Febuary of this year, it took three months to get my first check, my disability is only two hundred dollars a week. I had to get an attorney to get my money. Then, in June of the same year, Dearborn decided to stop my disability, as they felt I could go back to work. I had commplications from the shoulder surgery and my doctor has taken me out of work until at least September. Again, I have to contact my lawyer to get the money I have coming to me. I plan on dropping the insurace as soon as I return to work. I would advise any one to stay away from this insurance company.
I have been very satisfied with Dearborn, my husband’s checks have been on time.
My wife worked for the state of Texas prison system when she had a heart attack and had to be shocked back to life twice. She had a stent put in and had another atery too small to stent and was told by the cardo dr. due to the continuing tia’s she would not be able to work. Also the social security dr. we went to for SS disability said the same thing and now comes Dearborn with the state paid disability and it has been a three ring circus with these people they have used ever trick in the book to avoid paying what their contract reads. No one in their right mind should ever do business or trust these people.
This company has the worst customer service, they do not let you finish a sentence. They advised me that my Dr. needs to send them information each time I go to her. People please know this is illegal! They MUST send a request for this information as it violates YOUR Hippa rights! Call them on it and report it to your State Board of Insurance! They do not have a corporate office in the United States, it is in Puerto Rico, so they don’t have to pay taxes. This is a Mickey Mouse operation! And what are they doing is illegal. It took me a year to get a copy of my policy. And they continually tell you that you must be under the care of a doctor, true, but that does NOT mean that you must go every week, or month, they can’t tell you when you must go to the Dr. Hippa again! And it is not written in the policy ANYWHERE! Call them on it and ask exactly where it is and watch them fish tail for an answer! They are rude.. and stupid. They need to be called on each item and any personal questions they ask violates your Hippa rights. I have reported them to the State Board and I am working to personally sue them, from the examiner of my claim to the head honcho… Get the names of all the braindead wonders to include in your complaint to the state board. If we all continually report them, the state board will monitor them regularly. Also I love how they have to approve what we write on here… No telling how many people they erase what is written…
I had to resign from the state and go on disability in 2008 after being diagnosed with chronic severe migraines. My experience with Ft. Dearborn/Dearborn National has been absolutely horrible. You have to do so much just to get the benefits, but checks are never sent on time and the customer service representatives act as if you’re bothering them when calling to check on the situation. This company would also say that they never received paperwork from the doctors, however the clinics say otherwise which is why I started faxing everything myself. My condition has been diagnosed and confirmed over and over again yet the company just stopped paying me in January with no warnings or letters. I had to call for months before I was told the case was back in review for several more months. My caseworker would not return my calls, but her supervisor finally did to tell me that all of my documentation that clearly shows my disability was irrelevant and I probably won’t get pain any longer. My caseworker finally called to say they weren’t paying me anymore and she’d send out a letter the next stating why and how I could appeal the decision… that was two months ago.
Ashley,
I am sorry to hear about your experience with Dearborn National. You need to take the appeal very seriously in order to have a chance of getting your disability benefits reinstated. You only have 180 days to submit and appeal. If you send us your denial letter we will provide you with a free review of your claim and let you know if we can assist you to recover your long term disability benefits. We have handled numerous Dearborn National long term disability denials.
I took the insurance through my state job, and felt protected if anything ever happened to me. I have neuropathy, brachial nerve damage from phenergan iv meds given wrong and am on SSD for this. It is my dominant arm that is damaged and I am a nurses. A nurse has to have good use of her dominant arm and hand. I did get short term, and long term for two years, but I was always bothered with having to fill forms out, and have my PCP fill out forms. These forms often were lost and had to be sent again.
After two years, my payments were stopped due to Fort Dearborn said it is time for review to see if you can do a job other than nursing. Then nightmare began. Since he time of the initial claim, I had been in a car wreck, had brain bleeds and have post concussion syndrome. I sent proof of this from two neurologist and showed a sleep study result showing I also have sleep disturbance. It was not enough. They do not believe the professionals, say not enough documentation.
Next I am diagnosed with Lupus and two other auto immune diseases and have declined to the point where I cannot drive, and my sister in law lives with us to do all my household chores and even helps me dress.
I have sent medical information to them even a doctors record, from the one that treats my Lupus, saying I am not able to work, disabled. None of the documentation was good enough.
I asked them if I could fly to where they are and have their doctors examine me as proof that all the things that are documented are true. They said no.
I am no denied and have to file a grievance with ERS and am going to do my best to get my long term disability that is owed me. I will go to every avenue to do so, and I will not stop. How can someone as sick as me, be expected to work? They are heartless, and take none of the tests, lab work, or documentation from other doctors serious, they always say not enough proof. Well, they should have their own doctors see me. Then they can see the proof. Let them live with me for a day and see how many meds I take to just survive. God help these people, as they are making my life miserable by taking my money away, and causing my auto immune disease worse by all the stress they are causing. Do not take Fort Dearborn, and if you do, get a lawyer to help you with any claim.
I have Stage 4 Kidney Cancer with Metastatic Bone Disease. They don’t return my calls. They are playing an old game: they are hoping I’ll die before they have to honor my claims… and that with my death, the problem will simply go away.
Welcome to America!
My son works for Tx. Dpt. Corrections, paid for STD/LTD, 27 years old, having complications from congenital hearing defect, 2nd pacemaker, congestive heart failure etc., put on STD by cardiologist. Dearborn has been a Nightmare! The rudest, most unprofessional people I have Ever dealt with. I had to call and Beg for the 2 checks he’s gotten since August. They Never call him, just wait ’til he calls about a check and they Never have enough information. HORRIBLE!
In June of 2009, I lost the centers and the majority of my peripheral vision in both eyes to a degenerative eye disease known as Age Related Macular Degeneration. Upon doing so, I had to leave my job as Correctional Officer for the State of Texas after 9 years and 1 month of devoted service.
I had no problems with Dearborn National in receiving my ST/LT disability benefits for the first two years as my claim coordinator was friendly, helpful, compassionate and knowledgeable when it came to dealing with me and my disability on a personal level.
However, after the two years of benefits were complete, my case came up for medical review by Dearborn National and was of course denied and my benefits stopped on the grounds that “There are magnification aids, glasses and computer programs that can assist me in leading a normal and productive life in the workforce.” That may be true in some cases of persons afflicted with ARMD, but not so in mine. I have no center of vision or peripheral that will allow me the privilege and use of such devices due to the large voided areas (or “blind spots”) that cover my field of vision.
Upon VERY politely asking my claim coordinator who it was that made these decisions and how they come to their conclusions on an individual level she became standoffish and defensive stating things like “It’s not my call” and “It’s out of my hands” and told me that my claim was reviewed by a group of nurses in Indiana and she couldn’t assist me on my claim any further. She then informed me she would send me a denial of claims letter and I had 45 days to dispute their decision via written correspondence and if deemed valid (at THEIR discretion no doubt), my claim would be reopened and reviewed.
The disease causing my disability is not something that can be faked or misrepresented as anyone with any knowledge of retinal functionality and normalcy can examine my internal eye and see without a shadow of doubt that the use of visual aids can not and will not boost my visions capabilities to the point where I can be useful to ANY employer in ANY field of work. Any field of work other than a crash dummy for auto manufacturers testing the safety standards of their vehicles, that is. Hopefully if I can get a job in THAT field the Life/Disability Insurance won’t be handled through Dearborn National.
Troy,
You need to submit an appeal of the denial in a timely manner. If you would like assistance with your appeal, please contact us to discuss your options.