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Disability claimants are often seeking information about Principal Group long term disability reviews. We have created this page where insurers can post reviews and comments about Principal Group disability claims. Our attorneys respond to most comments posted by our visitors.

Principal Financial Group was founded in 1879, in Des Moines, Iowa, where it is currently headquartered. In 1879, Bankers Life Association was founded by Edward Temple, a banker from Chariton, Iowa, and five other colleagues. In 1909 after the death of Edward Temple, the Board of Directors voted to reorganize the business into a mutual life insurance company.

In 1941 the company issued its first group health insurance contract. Within the next five years, group health insurance accounted for a third of the business. In 1985 Bankers Life Company became Principal Financial Group.

The Principal Financial Group is a global financial services provider which offers a wide range of financial products and services, and is the U.S. leader in 401(k) plans. The company is composed of six business units: ‘Retirement & Investor Services’, ‘Global Asset Management and Real Estate’, ‘International Operations’, ‘Life, Disability and Group Health Insurance’, ‘Specialty Benefits and Wellness’, and ‘Banking’.

During the 1990’s the company expanded to markets outside of the United States, including markets include Argentina, Brazil, China, Chile, Hong Kong, India, and Mexico. In October, 2001 the company became a publicly traded corporation. In December 2005 Principle opened its first offshore unit in Pune, India, by the name Principal Global Services. In February 2008, Nippon Life Insurance announced that it would increase its stake in Principal to 7%, making it the largest single stakeholder.

The Principal Group is a Fortune 500 company and currently lists assets totaling $236.6 billion as of March, 2009.

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 Principal Group:

There are 65 opinions so far. Add your comment or complaint now.


I filed a short term disability claim on January 19th and was paid for two weeks through Feb. 18th, 2012, with a note to review for additional benefits. My doctors have sent several letters and additional information about my condition yet they have denied my claim. Because my disability is based on mental health issues resulting from my job (racial discrimination claim against employer), I believe my employer has had some impact on the results. I do know the insurance company has been in touch with her. Even after asking what was need, they still denied the claim after submitting the information.

Attorney Greg Dell:


Please contact us privately and we will review your denial letter to see if we can assist you.


I have Principal Financial disability for 18 yrs. through work.

Last Jan. I had 4 spinal multi-level laminectomies and fusions and was promptly paid short term disability without incident. After 4 months, disability was stopped as Principal deems 4 months the maximum length of time required to fully recover from this type of surgery. Perhaps their rule of thumb is one month for each laminectomy?

Despite my doctor’s refusal to sign a return to work order for another 60 days until my back heals enough to begin resuming normal activities. And my doctor’s office phoning Principal to say the same. And the fact that this type of surgery is not even deemed successful until a year passes to determine if calcium growth around the fusions has occurred or if further surgery is needed.

Principal determines the length of your disability. NOT YOUR DOCTOR OR YOUR RECOVERY RATE. The company needs to list each disability they will cover along with the time they will allot for each so customers don’t get fooled into thinking they will be covered for their entire recovery time and instead go down the drain financially because they don’t recover fast enough.

Bullying the sick and hurt is shameful.

Attorney Greg Dell:


A four month recovery for the type of surgery you had is ridiculous. Especially when your doctor has not cleared you to return to work. Most people with your surgery do not return to their jobs. If you have been denied, then contact us privately to review your disability denial and let you know your options.


Thank you so much Greg. Good to know I’m not crazy or just too slow to recover :)

I have pursued the matter with Principal and my doctor. My doctor called Principal again. My agent took it to Principal’s medical panel, who did agree that due to the extensive surgery it might take a bit longer than the normally allotted 4 months to recover. So I have been given another 60 days. Thank goodness.

Again, bullying sick people is SICK. I got a taste of what disabled people have to go thru, and it’s cruel. I spent a month staying up nights way too late worrying about why I was being cut off and hoping my savings could take the hit financially. Never thought taking the time to recover would be an issue. After all, my insurance was for this type of worse case scenario. I never dreamed I would have to use it. I have worked for the last 45 years. Without incident. I am not a lazy bum or a liar. To have someone insinuate I am was beyond offensive. Those who are in much worse shape deserve to be treated with respect. Instead they have to resort to the law to find a bit of fairness they deserve. No one needs the mental anguish, and degrading insults, while trying to recover. Or having to prove how badly they hurt. Shoot, one look at x-rays should tell anyone that.


Hello. I was informed that once social security approves your claim and states that you could never return to work under the medical conditions you have and you are not at an age or physical capacity to be re-trained for future employment of any other kind. Principal or any other LTD Insurance carrier can not force you to return to work nor refuse your benefits. Is this in fact, the truth? Principal has inundated my primary care with requests every 3 months for my condition. If I can return to work. She BOLDS the NEVER portion each and every time. I find it interesting. When I first got sick and my physician stated you can not go back to work, Principal’s Representative stated to me after I placed my claim “No one ever uses this LTD” I asked “Then why do you sell it?”

The other interesting fact about Principal, is that, I discovered MENTAL ILLNESS does not warrant any LTD coverage. So anyone looking to go out on LTD for any mental illness, e.g. depression etc… it’s a no win for them. They require physical limitations or disabilities. This is my impression of them. They took every penny of my retro Social Security check and then billed me for $834 more than Social Security paid me. I couldn’t win. I was sick. I had so many medical bills hanging over my head. But they won, they are the big dogs and we are nothing! They also tried to send a PI to my house to interview me, at that point I hired an attorney. Felt a PI was NOT a medical person and had no right to ask me medical questions. Felt very violated. My primary said, have them come to my office, I’ll video them interviewing you. Plus, she said she would answer all medical questions. That was some dirty works… they really tried to violate me.

Wishing anyone the very best with them.

Attorney Stephen Jessup:


Unfortunately, whoever informed you of such is wrong. Being approved by the Social Security Administration is not a guarantee that your private disability carrier will continue to pay benefits. All too often we see claim denials even after someone has been awarded SSDI benefits.


Principal approved my LTD claim, but I later learned they had ignored all of my physical health issues and selected only one non-physical issue (depression) which means they only have to pay LTD for 2 years. Have you successfully challenged this position? Is there a statute of limitations?

Attorney Stephen Jessup:


Yes, this has been successfully challenged in the past. Please feel free to contact our office to discuss how we may be able to assist you in transitioning your claim to a physical medical condition outside the scope of the two year limitation.


I work as a medical transcriptionist. I have lupus and have been unable to work since November 20, 2013. Principal is supposed to pay me 60% of my wages while on STD. I have questioned the amount because according to my calculations the amount I am receiving is very low. I was informed by Principal that my employer reported a base hourly rate at 40 hours a week. As a transcriptionist I am paid by production, not by the hourly rate. I receive the hourly rate only when I take vacation or sick days. I am also a team lead and receive a supplemental salary for those duties. This salary was not reported to Principal either. Based on my 2012 W2, there is about a $20,000 difference in what my actual wages are versus what Principal is paying me. Basically my employer has falsified my wages. Is this legal? Can they get by with this or do I have a case to fight? I have called my employer and they will not return my calls.

Attorney Stephen Jessup:


First and foremost I would obtain a copy of your policy to determine how Principal is to calculate your pre-disability income or earnings based upon the terms and conditions contained therein. I would also bring your concern and problem to your employer to find out why your income was being reported the way it was to Principal.


I am a full time employee and went out November 26th, 2013 for a partial Hysterectomy. I have turned in all of my paperwork to file for STD and was submitted a check for just about 4 weeks. I am still not cleared by my doctor to return to work due to compilations from surgery – stress incontinence of the bladder and severe chronic pain in the pelvic area also still very tender around the port holes in my lower abdomen area. I will be out until the 25th of February and now the physical therapist is requesting my OBGYN to keep me out for another two weeks after that. However Principal is telling me recovery time for hysterectomy is six weeks and my doctor has me on no limitations so they can no longer pay me. I am just about to lose my car and many other things because of this. What should I do? Is this even legal seeing I have paid hundreds into short term and long term but when I need it to help me I get ripped off!

Attorney Stephen Jessup:


You need to have your doctor document continued restrictions and limitations that would prevent you from returning to your job. If the doctor is not providing specific information to Principal to support the continued time off of work, Principal could easily justify denying continued benefits.


I had a Principal Financial group long term disability insurance from work. They kick me off after almost two years of coverage. The told me was able to do some kind of job. I applied for SSDI and it took almost 30 months to get my day in court. I won and the judge up my disability to the day I went out 2009. My long term insurance was to pay me the difference in pay until 65. Called PFG they told me they called my case and tuff luck. But if they closed my file wrongly do I have a case?

Attorney Stephen Jessup:


If you did not appeal the denial of your benefit in the time allotted under ERISA you could be potentially barred from filing suit. Furthermore, there could be a concern as to whether the Statute of Limitations to bring suit has already expired. Please feel free to contact our office to discuss your case.


I work in the financial field and have back issues that limits me from working full time. Many Years ago I took out a policy with Principal Group that would cover me and I thought this was wise. Little did I know I would be dealing with this issue in years to come. My Medical records and MRI’s and EEG and Dr. all backs up my stated problems and limitations. However, because I waited a period of time to file a claim and was between Dr’s care, my partial disabilty for that time period and forward is in question. My agent did not make me aware of all these hoops and requrements and he knew the time frame as I discussed with him along the way and was never properly advised. These policies are very complicated and I work in the financial field and yet the ambiguity around the language and the hoops you have to jump through is mind boggling. It certainly makes you question why you pay to have such misery in dealing with a company when it is supposed to keep you in times of misery and sickness.

Attorney Stephen Jessup:


I assume your claim is still pending a decision. If so, please feel free to contact our office to discuss how we may be able to assist you.


I was approved by Principal for LTD in 2005 and SSDI in 2007. It is now 2014 & Principal is having me see an Occupational doctor to determine whether or not I can work. I am 46. My health has not changed. I believe this is the beginning of their way to deny further benefits to me since they see me as a person they have to pay benefits to for a long time. Nine years of benefits, why now?

Attorney Stephen Jessup:


It is unusual that after 9 years on claim Principal would begin a full out investigation of the claim. Please feel free to contact our office to discuss your claim further.

Charles Butler:

Principal’s short term disability insurance is all lies. They will deny your claim any way they can. I had an existing marginally high blood pressure. No indication in any of the propaganda they use to.get your sign up that this means they can take your money but really not cover you while they review let underwriters slow play athe process. God forbid you get hurt and file a claim almost two months after you signed up. Even tho all you had wrong was hbp that you told them about already, they will now include your new injury or illneas to decide they arent going to insure you, even tho it has nothing to do with hbp. Cheap shot Principal! I guess if my new injury happened just a few days later, you would already have approved me for STD insurance and would have to pay my claim for my injury. Hope you are proud of the lack of morals and integrity this takes all over about $360 a week for a couple months-just long enough for me to get surgery so I can go back to work. Now I am going to get evicted, cant get my surgery because I don’t even have money for the copay, I get to starvr cuz you all used an injury not in evidence at the time of enrollment. Breach of good faith, bad business practice, destroy a poor mans life all over 360 a week?

Attorney Stephen Jessup:


What is the status of your claim at this point? Are you back at work? In appeals?

Charles Butler:

I am not at work, have to get surgery to get release. I was supposed to have disability ins effective 4/1/14, my hernia occured on 5/10/14. They are taking both my HBP plus my hernia to deny me insurance. I’m about to be evicted, can’t even get food, I’m screwed. Don’t have the money to get my HBP med refilled. This is what they have done to me.

Attorney Stephen Jessup:


Are they claiming that the conditions are pre-existing as defined under the terms of the policy?

Charles Butler:

After all of this, I am essentially too poor to help. There isn’t enough money involved for anyone to help right a wrong. This says so much for what our country has become: a place where powerful rich corporations can do anything they want to the people that are the least able to fight. How can it be right for this company to conduct business in such an arbitrary manner? To deny coverage that would allow someone barely above federal poverty level to survive, get the necessary medical treatment and return to work.

Charles Butler:

With all the bad reports as to how Principal and ERISA screw the people, why isn’t there some kind of class action suit to make these entities do the right thing?

Charles Butler:

The high blood pressure is what i defined as pre existing at enrollment. It was a check box. The info they gave was just that pre exist wdnt be covered for 12mos. The hernia is a new injury, not on any list, and happened over a month after i enrolled. They told me they lumped the 2 together in undrrwriting, which together they decided not to give me ins. Its the wierdest thing ive heard of. They have nothing to do with each other and my hbp only needs 1 5mg pill a day, barely is hbp.

Attorney Stephen Jessup:


The insurance companies work within the context of ERISA, and the rules that dictate the legal procedure of same. The only way to change the nature of the law is through a change in the actual law – this requires Congress to act. Until such time, the insurance companies will continue to work within the parameters of the law often to the detriment of many insured.

Charles Butler:

So, is there anything that can be done for me? I have yet to receive anything in writing from them, they are so slow.

Attorney Stephen Jessup:


How long has MetLife had your application? Under the law they are entitled to 45 days to render a decision, with the possibility of a 45 day extension. Please feel free to contact our office to discuss your claim.


Hi, I have just been notified by my Neurosurgeon that after my MRI, EEG and needle test that he is recommending that I go out on LID. My conditions include 4,5,6 Radiculopathy, Bilateral carpal tunnel (had previous surgery to repair both wrists), Fibromyalgia and I believe peripheral neuropathy. I also have damage in my neck, I am on full time Pain medication both Lyrica and Nucynta. I am 52 years of age, a high level manager in an IT company for the past 23 years, with 31 years total in IT. I am in constant pain throughout my extremities. My doctor has assured me that I have nothing to worry about (he is the Chief of Neurology at a local Hospital in NY so I trust him) and he will write up report that he feels cannot be denied. I have not notified work about my intention as of yet, I have an excellent LTD executive policy with Principal. My biggest fear is that I will go out on Disability first STD and then LTD and at some period of time the insurance company will deny my claim. Being unemployed at 54 with no income source and not being able to work with my condition would be devastating financially to myself and family.

What are your thoughts on my chances, should I continue to work as long as I can or is that bad? Do I need to get 2nd and 3rd opinions before going out sick? At what time should I engage your firm to start handling my case, after I file, before when LTD kicks in?

Thanking you in advance for the response.

Attorney Stephen Jessup:


I am sorry to hear of the difficult choices you must ponder. Unfortunately, no one but you can determine when the time to stop working is. However, there does come a point when your continued efforts only serve to further impact your health in a negative way. Please feel free to contact our office to discuss your options and for a free review of your disability policy.


Hi. I have been receiving LTD benefits from Principal for almost 2 years. I have cognitive Deficits and Ptsd from an auto accident on the highway. This was proved via neuropsychology exam one year ago. I spent 15 months in vestibular and speech rehabilitation therapies. Principal has requested an IME. My deficits are shown by excessive yawning as my brain fatigues. What are your thoughts about a successful IME?

Attorney Stephen Jessup:


Without a better understanding of your medical history and the facts and circumstances of your claim it would be difficult to provide any opinion as to the success of an IME. With that being said, your policy most likely requires you to submit to an IME at Principal’s request. Failure to do so could result in your claim being denied. Please feel free to contact our office to discuss your claim.


Does The Principal use private investigators to follow, photograph claimants?

Attorney Stephen Jessup:


Yes, Principal is known to use investigators to conduct surveillance as part of its ongoing review of your claim. If you have concerns regarding the status of your claim please feel free to contact our office to discuss.

Roxanne Menchaca:

It took 5 weeks & numerous phone calls to Principal before I got a decision on my short term disability claim. I was put on FMLA short term disability by my employer because of neck, shoulder, back & hip pain due to herniated discs, disc degenerative disease & nerve pain. I have been seeing a pain management doctor for 7 years because of the pain. I have been a receptionist for over 20 years where I am constantly sitting. Last year in november I was in a bad car accident. This exasperated the pain. I missed many days of work since for excriciating pain. I had been on all kinds of pills, had injections & physical therapy. Even with all of this proof Principal still denied my claim. They told me not to try to appeal because I would just be denied again. The people there are rude & condesending. What can I do so my appeal is accepted & approved?

Attorney Stephen Jessup:


I am shocked that they would tell you not to appeal – as it is your right. Please feel free to contact our office so one of our Disability Attorneys can review all of your claim in greater detail to determine how we can assist you in securing your benefit.


I’m trying to get a copy of my IME report from Principal. My claim representative is dodging my calls and emails. How can I get a copy?

Attorney Stephen Jessup:


Unless your claim has been denied an insurance carrier will not typically release an IME report to you or a legal representative. That being said, you can request in writing that they send a copy to your treatment provider and then obtain it from him/her.

Bruce M. Peterson:

I was carjacked between a jobsite and my place of employment. Workman’s comp denied the claim because I stopped alongside a disabled car on the freeway and was car jacked and beaten. It’s been three years and have needed continual health care only to further decline in my health. We have Principal long term disability that has a monthly benefit of 60% of predisability earnings, with a max of $9,000. My annual taxable income is around $340,000. I will be 62 in March and work in a high tech job. I suffer from a TBI and chronic back and hip pain which I have now been trying to get better for 3 years. I have just had my salary reduced 60% and demoted and have had my salary redlined at 120,000. I’ve continued to work but really am not able to do my job intellectually and suffer significant pain. I still have kids in college and high school. I planned to work till 70 to meet my retirement goals and family needs. my youngest daughter has significant learning disabilities (IQ 60) as well which requires most of my wife’s time to care for her.

The denial on workman’s comp was I checked to see if someone was in distress while between jobs. I never got out of my car, only rolled my window down part way left the door locked, the whole event happened in seconds. I would like to have an opinion on what my best alternatives are.

Attorney Stephen Jessup:


You most likely have a strong case to make for disability based upon any conditions you suffer from on account of the attack. As worker’s compensation has determined that it is not an applicable work comp claim, then Principal would not be able to potentially use any language that may be contained in your policy that excludes disability claims stemming from workplace accidents. Please feel free to contact our office to discuss what options you have available. If you do not already have a copy of your employer’s disability policy I would highly recommend you obtain a copy.

Anita Lowers:

Is cirrhosis of the liver a LTD claim, no surgery, just medications and fatigue? No follow up with doctors for six months, just pain medication and medications to control symptoms, just been diagnosed three months ago. Could I be eligible?

Attorney Stephen Jessup:


Any medical condition can form the basis of a claim for disability. However, it is a matter of showing how the diagnosis results in disability. To be eligible for benefits you have to satisfy all the provisions of the policies relating to same. Please feel free to contact our office to discuss how we can assist you in filing a claim for benefits with Principal.


Dear Firm,

Both of my grandson’s have been diagnosed with ADD, ADHD, OCD along with BiPolar & BiPolar type 2. The youngest of the boy’s is the one with ADHD, OCD and BiPolar 2. Neither has yet to even complete school. What avenue do you suggest in trying to get a type of disability?

It is obvious that these conditions have stalled any chances of a normal life. Both have documented diagnosis by our family primary physician along with our psycologist. The youngest of 17 has insurance as of now, but it will not cover him much longer. They oldest of 19, does not and has had to stop being treated. The insurance is by the state. Due to our family’s means to a limited income.

Thank you so much for any suggestions.

Attorney Stephen Jessup:


If they are not employed and eligible for coverage under a group disability insurance policy, then there only option may be applying for social security if they meet the requirements for same. You will need to consult with an SSDI attorney to discuss the possibility of same.

Ms. Glenda Laboy:

My name is Ms. Glenda Laboy. I just got my disability claim approved by ALJ on Dec 1, 2014. Backpay be from Oct 1, 2012 what ALJ told my lawyer. The lawyer said he gets 25 percent of the backpay. I have been drawn LTD from Principal Life Group INS. Does Principal Life Group INS has to take in concern of the lawyer to get 25 percent of my backpay. And I drawn 950.00 SSDI. Do Principal Life Group INS still has to pay on my claim until 65 or does it stop when I draw my first check from Social Security. I have not got my papers from AlJ approved my disability yet. Or my awards letters from Social Security yet. I do want to pay Security Life Group INS. back what they pay me every month, drawn disability but want make sure they do me right.

Attorney Stephen Jessup:


Principal would not be entitled to seek repayment of the portion of SSDI paid to your attorney. As long as you continue to meet the definition of disability under the policy, Principal will continue to pay you benefits until such time the policy ends or they determine you are not disabled under the terms and conditions of the policy.


I am 64 years old and have always worked hard and been very active. I currently work and have done this job in the oil field for over 7 years. I am required to climb ladders and do physical labor as well as ride rough roads in a pickup truck 10 hours per day. About a year ago I started having a great deal of pain in my leg muscles and this has gotten progressively worse. I push through the pain daily because I like to work. I did go to my doctor who ran MANY test to determine the reason. Now he wants me to stop work and see a specialist in 2 months (available appointment) but I fear with the economy and layoffs, that I won’t have insurance when this time comes. After reading the comments here I am afraid to file for a disability because if they refuse me, then what? No income… The list of his evaluation includes Heart Stent 2 years ago, Polymialgia, (2) Lower abdominal (back) degenerating disks, and we are seeing the specialist for overall muscle inflammation which he hasn’t named yet. My question is, are these conditions considered pre-existing? My policy has been in force for 1 year 8 months. Do they consider all or just pick the most recent? It is hard to walk across the room much less climb ladders. Please advise…
Thanking you in advance.

Attorney Stephen Jessup:


Most policies will waive pre-existing condition provisions if you have been covered under the policy for more than a year. Please feel free to contact our office for a review of your policy and to discuss how we may be able to assist you in filing a claim under your policy.

Chandra Love:

I have standard long term disability insurance policy. My coverage has compassionate care benefits in which I applied for since my husband suffered a ruptured tendon. My claim rep is requesting 10 years of my medical history and 5 years of tax information since I am self-employed. They never mentioned to me that they would look back at MY health records for 10 years and I have a 90 day waiting period. My claim rep indicated that they did tell me that with my application and he feels that I left out a lot of information. I really do not know what to do and I am wondering if this is legal?


Attorney Stephen Jessup:


We will need to see a copy of your policy, to include a copy of the application you completed to obtain same (it is typically attached at the end of the policy). Please feel free to contact our office to discuss what your carrier may be investigating.


I have a short and long term disability policy with Principal through my employer. After the birth of my son, I suffered from postpartum depression which prevented me from returning to work for 10 months. Despite supporting evidence and letters provided by my medical doctor and psychotherapist, my claim was denied. I appealed and was denied again. I am currently in the process of filing my final “voluntary” appeal as afforded to me under EIRSA, however I am unsure how to proceed. I requested, and received, a copy of every single document they used to make a determination on my claim. From what I can tell, they are taking issue with the fact that my doctor did not better document my condition in my medical file, specifically including “objective evidence” and “testing” to confirm the diagnosis they provided me and substantiating my functional impairments. I am so tired of fighting for the benefits that I deserve based on the policy I paid for. Any advice would be greatly appreciated.

Thank you,


Attorney Stephen Jessup:


As your claim history is detailed, please feel free to contact our office to discuss how we may be able to assist you with your voluntary appeal.


I filed for short term disability on July 6, which was my pre-op visit. Had Surgery July 13th. Time out for recovery will be 8weeks. I was approved for Short-term disability and payment on July 13. My employer and Short-term disability agency states that all PTO has to be paid out prior to receiving payment from Short-term disability. Also that the instead of receiving the weekly payments from short-term disability company my employer requested that the payments be sent to them and they distribute the payments on the regular pay schedule. I am on my 5th week and second pay period and have not received payment for PTO time and only received one payment from short-term disability which is the very first check they sent out in July. I am having anxiety attacks as a result because I am stressed from talking to HR to Short-term disability agency and no one seems to be able to help only saying I will receive the other payments at some point. Basically what looks like when I am able to return to work if I don’t loose my mind first. When deciding to have this surgery I was under the impression that I would receive 40% of my pay as well as PTO which is the amount budgeted for to cover my time off. However I have yet to receive a fraction of that. I am stressed which in turn is not helping my recovery or overall health as I also have lupus which flares with stress. I’m trying to remain calm but life is happening and i have bills to pay. What I want to know is do I have a case to sue my employer?

Attorney Stephen Jessup:


Your ultimate question does not have an ultimate answer based on the information you provided. We would need to review a copy of your short term disability policy and any correspondence from your employer and Principal as it relates to your STD claim and PTO in order to determine what your actionable rights are.


I have been on long term for almost 3 years with principal due to Bladder and kidney cancer and a car accident that has injured my back. The cancer has returned 4 times and have had 4 operations one of witch removed my left kidney and some of my bladder. I have also been seeing a pain mgmnt. doc for my back, getting injections and pain meds. Now they want me to see their doctor to evaluate me. Can they do that? If so, could this doctor with one appointment discontinue my bennifits?

Attorney Stephen Jessup:


Principal has the right in its policy to have you examined by a doctor of its choice. Failure to attend could result in your claim being denied so you really have little choice in the matter. Unfortunately, the IME could be used as a basis to deny the claim, but that isn’t to say that is what will happen. Please feel free to contact our office to discuss your claim and Principal’s request further.


I am 56 years old. I have been receiving Long Term Disability benefits from The Principal and SSDI for five years. The reason was severe and advanced idiopathic peripheral neuropathy, most like genetic or auto-immune mediated. This diagnosis was backed up by repeated nerve conduction studies and a rural nerve biopsy. I have had several surgeries to correct foot deformity and have had multiple fractures and dislocations of bones in both feet. I have chronic nerve pain and fatigue, and need to rest in bed several times a day. Since going on LTD I have also become diabetic, and have been diagnosed with glaucoma, hearing loss, and severe spinal stenosis. A nerve conduction study indicated that the spinal stenosis was not causing the peripheral neuropathy; the neurologist said there was no reason to ever have another conduction study as my nerves are essentially gone.

Last week I had a partial replacement of my left knee. Today I received a call from The Principal inquiring about the procedure and the physical therapy I am receiving. Why would The Principal take an interest in this, as it has nothing to do with why I am receiving LTD benefits? I am very concerned that they are going to somehow declare me able to work once my knee has heeled, as this is the only reason I can think of for monitoring my recovery. Is this possible? Should I be concerned?

Attorney Stephen Jessup:


Disability insurance benefits will be predicated on any medical condition that affects your overall ability to work. It is not unusual that Principal would want information as to the surgery and PT notes. However, it does warrant some caution and reminder to Principal of the multitude of other problems you are having preventing you from working. Please feel free to contact our office to discuss your claim in greater detail.

Rayann K.:

I developed sciatica in Aug 2015. Principle ins is my std provider. It took them over 2 weeks to issue any cks because they we looking for preexisting conditions. They then withheld further cks while they delved thru the Pecos 6 mos of records w my previous pain mgt dr. I have never had sciatica in my life. Today they disallowed my claim, not for sciatica, but because I initially presented w lower back pain. I have had lower back pain since discovering bulging lumbar discs from a precious mva in 2003 that resulted in a cervical cage. Since “lower back pain” was noted in my med records from my x pain mgt dr they denied my claim. I recently had aCT scan that showed the bulging discs we the cause of my lower back pain however ruled out them being the cause of the sciatica as they are not impenging on the sciatic nerve. I have had chronic back pain. The sciatica is recent and not related. How do they get away w this? I now stands to lose my apt, car, med ins as I cannot pay the premiums to my employer in my absence, and everything I own /owe on. This is criminal. All over a measly $378.00 a week.

Attorney Stephen Jessup:


Please feel free to contact our office to discuss the denial and your rights to appeal. How long have you been with your employer and/or covered under the policy? Most STD policies do not contain pre-existing condition provisions- that is typically the realm of LTD policies.


Principal in-house nurses seem to have the power to override my VA doctor’s orders to temporarily not drive while I have been having synoptic episodes that are possibly tied into combat related PTSD and/or various heart related medications, with 50% of my work time being behind the wheel of my car and no other office work suitable to my experience and knowledge. It has now been four months with no resolution to my Principal short-term disability benefits.

Attorney Stephen Jessup:


Are you still out of work? Principal has not paid benefits in four months? A review for a claim for benefits should only take approximately 45 days at most, with STD reviews being typically much shorter. Please feel free to contact our office to discuss your claim.

Jim H.:

Two important ways that Principal harms disabled employees:

1) They will approve your disability claim under one of the mental illness categories (such as depression) just so they can stop paying your benefits after 2 years. It doesn’t matter if you have multiple physical ailments. They just ignore those.

2) If you are disabled for 12 months, they will terminate your employment.

The government needs to investigate.

Attorney Stephen Jessup:


If Principal has approved your claim under a mental health limitation but have physical conditions that cause disability you can challenge this decision. With respect to termination of your employment- quite often if you are no longer covered by FMLA or under a work contract an employer will terminate a position after a certain period of time. Please feel free to contact our office to discuss challenging Principal’s contention that you are only disabled from a mental health condition.

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