Guardian

When you talk to Guardian agent, you feel like your talking to a corpse

Reviewed by Mike on May 28th 2014   Verified Policyholder
I have recently had to start the disability process, my plan calls for 9 weeks of STD and then LTD until Social Security age (I worked for a great company who setup a good plan). I have a rare condition les than 200 people in the world have been diagnosed with. I took the time to provide Guardian with 200+ pages of documentation from every doctor/hospital I have seen (world renown), 8 CD’s od MRI’s, MRV’s etc. Guardian acknowledged receipt but chooses not to use the information for the purpose to approve my claim. They approved my STD for 2 weeks the first time, then ask my Dr. to fill out the exact same paperwork and have now bumped it up to 5 weeks but with all the information at their finger tips they still refuse to extend it for the full 9 weeks. I have a friend who works for another STD/LTD company and he has told me word for word what they would say and do. When you talk to an agent, you feel like your talking to a robot or corpse. They cannot answer the basic questions related to terminology definitions in the policy, own occupation, part time work, rehabilitation clauses etc. I am dreading when the LTD portion begins, I can only imagine how hard they are going to try and get out of paying even though I have Drs. that are the top in their field that have already written letter’s stating I can’t be cured, my condition will only progress etc. I can’t imagine people having jobs and being so heartless when others are at their weakest moment. Good luck to everyone.
Reply
Sent on May 28th 2014 by Attorney Jay Symonds

Mike, has Guardian approved the STD claim at this point? Have they begun the LTD process? Please feel free to contact our office should you have any questions.