RUN WHILE YOU CAN! I was scammed.

I had a policy for several years for LTD provided by my employer (I was a teacher) as part of a benefit package. After over six years of faithfully paying premiums (even when they increased), when it was it was time for Guardian to come through and honor the plan, I was denied benefits.I went through the appeal process, and once again I was denied benefits. As informed consumers, we are all aware of the claims and legal departments and their mandate to DENY, DENY, DENY! Guardian was provided documents regarding my neck and back surgery from the neurosurgeon, a list of all the medications that were required prior to and after surgery from my pharmacy, and my primary doctor also responded. Physical therapy notes were also included. This doesn’t include records from the psychiatrist. (THANK YOU Guardian for adding to my stress and anxiety levels.) It is important to note that my state Department of Education office has all of this information, which by the way they had their own separate medical board review, and they have classified me as permanently disabled. Still Guardian does not come through. By the way, records regarding my recent shoulder surgery and therapy haven’t even been submitted yet. I would warn anyone considering enrolling for a LTD policy ( or any policy for that matter) with Guardian to be very cautious. RUN WHILE YOU CAN! After having no income for 11 months (that doesn’t even include the 91 day elimination period), all I have from Guardian is a copy of a Benefit Plan catalog, check stubs with monthly payments deducted for Guardian, a letter of denial, and another letter denying my appeal. With over several billions of dollars collected by Guardian annually for premiums from the paychecks of hardworking subscribers, and thanks to their company mandate to deny claims as well as appeals, and their attempt to intimidate anyone who seeks recourse from their highly staffed and paid legal department, Guardian still generates billions in profits. Now you tell me, does such actions by a company who you have placed your trust in and paid them to safeguard that trust seem ethical let alone morally correct? Even with a post-graduate college degree, I was scammed. I considered myself to be an educated person and an informed consumer. I cannot say that anymore thanks to Guardian. I suggest the company name be changed because they sure did not guard my policy or provide aid to sustain me when needed. A guardian-hah! The joke is on the policy holder who only receives pieces of paper. If I had a fireplace, I guess I could burn the benefit catalog, etc. for heat to save on the power bill. Unfortunately, I do not have a fireplace. P.S. I welcome a response from Guardian because I certainly did not receive assistance with my claim. From past actions, I will assume my comments will be MODERATED or even not posted. Let’s see what happens.