We always welcome people reading our website to share their experiences regarding the handling of their disability insurance claim.
A reader recently posted her thoughts about the Standard Insurance Company application process for disability benefits.
I’m glad I stumbled on this website. I too have been struggling with The Standard Insurance Co. I have been diagnosed with Panic Disorder w/agoraphobia and also PTSD, and I believe major depressive disorder. I won’t go into the reasons in this forum because it is long, lengthy and painful. The diagnosis seems to be ongoing. The Standard has given me nothing but problems since I went on STD, to try to get treatment. I went on STD in 5/12, an tried to return to work after 3 months of treatment, but after trying to return to work at the job I had for the last 5 years I was unsuccessful, my condition only seemed to get worse. I lasted 2 months inconsistently.
I read something in a lot of previous guests on this website, regarding The Standard Insurance Co., something about a 2 year mark that seems to be consistent. My former employer, that I have this insurance through, insured me numerous times, that no, if a doctor states you cannot work, it’s until age 66. I don’t believe this at all with the problems that I have been having. I am applying for SSDI currently.
I started having severe panic attacks about 4 years ago, basically, I didn’t know what was happening to me and thought I was going to die, numerous times. I have always been a strong person, ran my own business and was always employed otherwise. After saying to myself “this will go away”, “I will get better”, it didn’t, I decided to finally go to a Mental Health Provider, referred by Kaiser. This has been a difficult process all in it’s self. I have always had a steady income all my life, and what I have to deal with as far as The Standard Insurance Co. has just made my condition worsen, when I’m just trying to get better.
I am hanging by their shoe strings now, as always, as they say my medical documentation it out for review. My Doctor has made it as clear as possible that I unable to work in the present and at least 6 months in the future (she also knows I’m applying for SSDI). Believe me, I have always been a hard worker, an outgoing person, and no work isn’t always fun, but I would give anything to feel better and be the person that I have been in the past and return to work.
People need to stand up against these crooks (The Standard Insurance Co.)… yes, I believe there are some people that try to cheat the system… and it only makes it more difficult for people that really need help.
Click here to learn more about The Standard Insurance Company and the disability claim process.