Guardian Life Insurance Company of America
View Disability Cases With Guardian Life Insurance Company of America
Post or View Comments About Guardian Life Insurance Company of America (2 comments)
Guardian is one of the largest mutual life insurance companies in the United States. Guardian has more than 5000 employees and more than 3,100 financial representatives and 86 agencies nationwide, working through 13 affiliate companies and subsidiaries. Guardian has nearly three million customers who hold the company’s individual life disability income insurance, and investments products (such as variable annuities, mutual funds, stocks and bonds). It also has another five million customers covered by its employee benefits, including life, health and dental insurance; pension plans; and 401(k) products. Specializing in the small to midsize business market, Guardian’s Group business unit serves more than 120,000 employers, 6 million employees and their families.
The Guardian Life Insurance Company of America was founded in 1860 and is headquartered in New York, NY. Guardian founder Hugo Wesendonck, a German civil rights lawyer, participated in the 1848-49 revolution and helped draft a constitution for a united Germany. Accused of treason, he fled post-revolution Europe and landed in the U.S. With start-up funds from fellow German refugees, he opened Germania Life Insurance Company in 1860 on Wall Street in New York. Two years later, he opened a branch in San Francisco and, later, across the country, reaching territories like Colorado, New Mexico and the Dakotas.
In 1868, Germania became the first U.S. insurance company to start an agency in Europe. In 1911 the company set up headquarters in New York City’s Union Square. In 1917, the company changed its name to Guardian. In 1999 Guardian relocated back to the Wall Street area after branching out into financial services. The Guardian is a Fortune 300 company. For the fiscal year 2008, the company reported $7.4 billion in sales and $39.5 billion in assets.
As disability insurance attorneys, Dell & Schaefer have represented numerous clients with their long-term disability claims against Guardian 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 Guardian:
- Application for long-term disability benefits with Guardian
- Application for short-term disability benefits with Guardian
- Monthly claim handling of Guardian long-term disability insurance claims
- Appeal of a Guardian denial of long-term disability benefits
- ERISA appeal of a Guardian denial of long-term disability benefits
- Lawsuit against Guardian for denial of long-term disability benefits
- Lump-sum buyout of a Guardian long-term disability insurance policy
- Department of Insurance complaints against Guardian for wrongful delay and denial of long-term disability benefits
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- Medical Doctor sues Guardian / Berkshire Life Insurance Company Of America for $1.2 million dollars following denial of disability insurance benefits
- Guardian Life Insurance seeks overpayment of disability benefits for child social security disability benefits awarded to disabled claimant’s daughter
- Doctor files a Disability insurance lawsuit against Guardian Life Insurance
- Guardian disability insurance denial is upheld by Ohio Federal Court & Sixth Circuit Court of Appeals
Great site!
I was protected for disability loss of income by Guardian. In addition, I purchased a separate excess policy for additional monthly limits through Unum.
I had 2 occurrences affecting my health. The first was November, 1995, a heart irregular rhythm. I was out of work for over 6 months, and not able to do any full time type work for over 18 months. After negotiations, I reached a settlement with both Guardian and Unum. All seemed well until January, 1998 when I had a stroke at work. Again, I was in the hospital for about a week and needed almost 6 months of rehab, and rest. I tried again to return to full time but found the medications and conditions caused me to cut back. I filed with both carriers for partial disability and settled the claim with Unum. Guardian rejected the claim as I was not working a 30 hour work week. I explained and sent them information of applying to Social Security Disability. After SSDI review, my case was approved for payment in 2006.
So, Unum agreed to settle, and Social Security agreed to settle. Only Guardian gave this very lame reason for not settling. The delays of going back and forth with Guardian allowed them to bring in the ERISA laws and not the time to reach a settlement.
Now we are almost into 2012, and I had to sell my investments to live and to pay for medications, until the SSDI started. I still believe Guardian should offer a settlement on my case, and I was really willing to work this out with them, but they just plain refused. As in my case with Unum, they terminated my partial disability claim, but when the “class action suit” and verdict came down on them, they had to re-open my case and we eventually settled. I needed an ERISA lawyer, disability lawyer, and my health did not allow me to continue under those stresses.
Today I thought I should get an opinion, and to see if many others have had the same experience I have had with Guardian.
Again, Unum tried to cancel off paying disabled people and I can only assume Guardian tried the same plan. Please let me know.
Many thanks,
Robert Bantom