Disability Insurance Company Reviews & Ratings

Read real client ratings and reviews of disability insurance companies. Share your experience to help keep disability insurance companies honest.

Showing 181–200 of 687 Reviews
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Lincoln Financial

Lincoln Financial continuously offsets my son's LTD benefits. It is upending his already difficult life.

Reviewed by Jerri on April 26th 2018   Verified Policyholder
My son was diagnosed with brain cancer in 2013. He is 41 years old. He has had 3 craniotomies. He has been on LTD thru Lincoln Financial since 2014. They required he file ...
Reply
Sent on April 26th 2018 by Attorney Cesar Gavidia
Jerri, I’m sorry to hear about your son. I also understand how emotionally and financially difficult it must be. Unfortunately, it does not appear that I have good news ...
Hartford

Hartford is the worst Insurance company I have ever dealt with

Reviewed by Lorene on April 22nd 2018   Verified Policyholder
Hartford is the worst Insurance company I have ever dealt with. This website proves it! Thank you Dell & Schaefer for putting this together. I filed LTD claim back in Sept...
Reply
Sent on April 22nd 2018 by Attorney Alex Palamara
Lorene, I am sorry to hear of your troubles with Hartford. Please contact us at once! We want to look into your claim and see if we can assist you. Regarding giving Hartfo...
Unum

Unum has no sympathy for disabled people!!

Reviewed by Craig M. on April 9th 2018   Verified Policyholder
Unum did not and says they’re not responsible for paying my FDIC tax portion of my LTD disbursements. Meaning to me your not required to pay (I’ve never not played my ...
Reply
Sent on April 9th 2018 by Attorney Cesar Gavidia
Craig, you should immediately contact a tax professional (ie. CPA or tax attorney) to discuss your options. The disability insurer is not your employer, and although they ...
Unum

Dealing with Unum made me depressed and want to give up

Reviewed by Renda on April 7th 2018   Verified Policyholder
I have UNUM LTD,. for years since a Environmentally Unsafe work place nearly killed me. Now, UNUM is pulling out all of their Un-Scrupled tactics, to get me off LTD. They ...
Reply
Sent on April 7th 2018 by Attorney Gregory Dell
Renda, what you are going through is very frustrating. On top of it all, you are disabled, so it is that much harder on you. We are very familiar with their tactics and we...
Unum

I don't know what to do because they keep telling me different things. It’s ridiculous

Reviewed by Elly W. on April 3rd 2018   Verified Policyholder
I am currently trying to get my unum disability to go through. I was off work from January 22,2018 to March 29,2018. They are giving me the run around saying one day that ...
New York Life

I don't understand how a company so big can be so hard to deal with

Reviewed by Troy on March 19th 2018   Verified Policyholder
My 27 year old daughter was diagnosed with stage 3 squamous cell carcinoma of the golltis. She is going to the Cleveland clinic 5 days a week for radiation. She is in the ...
Reply
Sent on March 19th 2018 by Attorney Stephen Jessup
Troy, there is no reason for the delay. New York Life has a statutorily mandated set period of time with which to make a decision on the claim, and it would appear that ha...
MetLife

MetLife cut me off from my job COLD

Reviewed by Paul on March 1st 2018   Verified Policyholder
I was happy that for the past several years that I checked the box for std and Ltd at my place of of employment. After not spending a single day in the hospital ever 2.5 y...
Reply
Sent on March 1st 2018 by Attorney Stephen Jessup
Paul, have you appealed the denial yet? If not, it is imperative that an appeal is submitted within 180 days of the deadline to preserve your legal rights. Please feel fre...
Unum

I couldn't force Unim to pay up because they strategically kept me in limbo, never denying my claim

Reviewed by William on February 25th 2018   Verified Policyholder
UNUM would neither approve or deny my claim, so I could not contest them denying the claim- forcing them to pay up. In Sep 2014 I worked for a company who used UNUM as the...
Reply
Sent on February 25th 2018 by Attorney Rachel Alters
William, unfortunately, since Unum never denied your claim and you no longer work for the company there is no recourse. If you still worked there you could file a new clai...
Unum

Everyone gets paid but the one person who needs it most

Reviewed by Douglas J.S. on February 15th 2018   Verified Policyholder
I recently received a denial from UNUMM after receiving 3 payments, who are these people. They told me from the beginning there was no problem with my benefits and then al...
Reply
Sent on February 15th 2018 by Attorney Stephen Jessup
Douglas, it is unusual to receive a denial so soon after having a claim approved. Were the three months for Short Term Disability, and then they denied the Long Term claim...
Lincoln Financial

LFG claimed my documents got lost – even when I sent them proof of delivery by U.S. Postal tracking

Reviewed by D. on February 14th 2018   Verified Policyholder
I am have recently submitted an accident claim to Lincoln Financial. Two months after submission of hospital notes doctors notes with personal and naturally HIPPA confiden...
Reply
Sent on February 14th 2018 by Attorney Jay Symonds
D – it is not unusual for the carrier to claim it did not receive documentation that was submitted to stall the claim. You definitely took the right steps to protect you...
Unum

Never received a single payment from Unum

Reviewed by James A. on January 31st 2018   Verified Policyholder
I paid extra for additional for supplemental coverage thru my employer. I was hurt on the job. was on short and long term disability. Had 2 slipped dics, 3 herniated disc ...
Reply
Sent on January 31st 2018 by Attorney Jay Symonds
James, if you filed a claim with your supplemental disability carrier and received a denial letter, you should contact us to discuss your options, including filing an appe...
New York Life

I want to sue New York Life

Reviewed by Armando M on January 26th 2018   Verified Policyholder
I have been on std disability since July. New York Life Insurance has closed my case. I filed a grievance and was told I would receive a response in 5 days. Claims manager...
Reply
Sent on January 26th 2018 by Attorney Stephen Jessup
Armando, did you file the administrative appeal of the denial? The law only provides 180 days to file same, and failure to do so could prevent you from pursuing your legal...
Aetna

It's been over 3 months, and I've only received one payment from Aetna

Reviewed by Crystal A. on January 24th 2018   Verified Policyholder
I have been struggling with Aetna to get my short term disability, its been since 10/16/2017 and I have only received one payment since. My doctors send in my forms and th...
Reply
Sent on January 24th 2018 by Attorney Stephen Jessup
Crystal, Aetna should have rendered a final decision on your claim well over a month ago. Please feel free to contact our office to discuss your situation to best determin...
Sun Life

This company makes the process impossible. They're terrible

Reviewed by Ouch on January 22nd 2018   Verified Policyholder
Sun Life Short term disability dropped the ball and was never paid for my time off work. I just filled another claim and this company makes the process impossible especial...
MetLife

Beyond stress after MetLife denied my STD claim

Reviewed by Trina on January 14th 2018   Verified Policyholder
Please assist me, I’m beyond stressed out. MetLife denied my claim for short term disability.
Reply
Sent on January 14th 2018 by Attorney Stephen Jessup

Trina, please feel free to contact our office to discuss the denial.

Lincoln Financial

Lincoln Financial is taking months to provide me with my benefit checks. I'm unsure where to go from here.

Reviewed by Kim on January 1st 2018   Verified Policyholder
I am currently going from STD to LTD, i have had nothing but problem after problem with Lincoln. Much like most on here i have jumped through hoops sending in my own medic...
Reply
Sent on January 1st 2018 by Attorney Stephen Jessup
Kim, please feel free to contact our office so we can discuss your claim, medical condition and occupational information in greater detail so we can best advise you as to ...
MetLife

I keep getting the run around

Reviewed by Heather on December 31st 2017   Verified Policyholder
I need help! I keep going back & forth with my employer & doctor in regards to FMLA & STD. Careworks is awful for my FMLA & METLIFE is making me worse trying to get my STD...
Reply
Sent on December 31st 2017 by Attorney Stephen Jessup

Heather, please feel free to contact our office to discuss your situation to determine what your options may be.

Principal

Principal is absolutely ridiculous. I'm in financial harship after not receibing my full pay from work and exhausting my long term sick

Reviewed by Michelle P. on December 19th 2017   Verified Policyholder
I was placed on medical leave after suffering from vertigo and later diagnosed with Meniere’s Disease. I was put on medication. During these episodes of vertigo, I was n...
Reply
Sent on December 19th 2017 by Attorney Stephen Jessup
Michelle, will your ENT complete the applicable Attending Physician’s Statement? The APS will allow the doctor to place all restrictions and limitations he/she is imposi...
Hartford

Just got denied. Don't know what to do next.

Reviewed by K. Celani on December 17th 2017   Verified Policyholder
I was just denied my STD claim from the Hartford. I’m a male and was sexual harassed by other males at the plant I work at. I tried sticking it out for as long as I coul...
Reply
Sent on December 17th 2017 by Attorney Stephen Jessup
K. Celani, you would have rights to appeal the denial of benefits. Additionally, there may even be the possibility of exploring a claim for worker’s compensation as the ...
Standard

The Standard will threaten to withhold your pay until you sign every document that they send you. The worst part is when they consider back payment for SSDI benefits

Reviewed by Gena on December 10th 2017   Verified Policyholder
First of all, the worst thing that could ever happen to a hard-working person is a permanent disability. Fighting to secure payment is hard enough when you are well. Let a...