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.

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Lincoln Financial

We have dealt with Lincoln Financial for nearly two months to no success

Reviewed by Javier H. on November 12th 2017   Verified Policyholder
We have dealt with Lincoln Financial for nearly two months to no success. They haven’t paid my wifes disability claim, we are in financial stress. It’s very unfortunat...
Reply
Sent on November 12th 2017 by Attorney Stephen Jessup
Javier, please feel free to contact our office to discuss your wife’s claim. The law provides an insurance company a set amount of time to render a decision on a claim a...
Lincoln Financial

Lincoln Financial approved my claim after I was denied WC, but now they won't pay me.

Reviewed by C on November 1st 2017   Verified Policyholder
I am a RN. I was diagnosed with PTSD after witnessing a horrible incident at work (hippa). HR wanted me to file for workmans comp but it was denied because it was mental h...
Reply
Sent on November 1st 2017 by Attorney Stephen Jessup
C, please contact our office to discuss your claim. As there has been no formal denial of benefits your recourse is limited to a few options, but there should not be an is...
New York Life

New York Life took a snipped of my medical record and ran with it. They didn't care that my CHILD had just been killed.

Reviewed by Kim L. on October 25th 2017   Verified Policyholder
Not sure if this is the right area for this. On February 2nd 2016, my 19 year old son was struck by a car and killed. On March 10th during one of my many doctor visits dur...
Reply
Sent on October 25th 2017 by Attorney Stephen Jessup
Kim, it is unfortunately all too common that an insurance company takes a snippet of a medical record and run with it. If you have not already filed your appeal please con...
Lincoln Financial

All Lincoln Financial does is STEAL YOUR MONEY

Reviewed by Karen on October 19th 2017   Verified Policyholder
Lincoln financial is the most corrupt group of individuals there is. I have been unable to perform my job due to nerve damage. They had a neurologist who hasn’t seen me ...
Reply
Sent on October 19th 2017 by Attorney Gregory Dell
Karen, I assume that they have denied your claim? If so, what is the status of your appeal? Please feel free to contact our office to discuss your claim in detail and to b...
Sun Life

I pay them for my service. And they treat me like this. Shame on them.

Reviewed by Jessica B on October 19th 2017   Verified Policyholder
I filed a Short Term Disability claim in July of 2017 with Sun Life. They paid me for 3 days. I explained to them that I would be returning to work and that I will need to...
Lincoln Financial

LFG has been nothing but a headache

Reviewed by Norma P. on October 17th 2017   Verified Policyholder
LFG has been nothing but a headache since I filed a claim 7/13/2017, they used a nurse to deny my claim and when I appealed it they drug it out until mid October and denie...
Reply
Sent on October 17th 2017 by Attorney Stephen Jessup
Norma, Lincoln typically requires two levels of appeal per their policies. With respect to which party is to be sued under a STD claim we would need to see the policy itse...
Sun Life

Thank you so very much for your website, and for educating the public about this ugly, evil corporation.

Reviewed by Lynda M. on September 25th 2017   Verified Policyholder
I was diagnosed with Acute Myeloid Leukemia in March of 2016 and received a Stem Cell Transplant mid October of 2016, and remained hospitalized until mid November. I have ...
Reply
Sent on September 25th 2017 by Attorney Stephen Jessup
Lynda, you will have an ability to appeal the denial of benefits, which can also address the issue of the repayment of benefits. Sun Life hoped you would accept their buyo...
Guardian

Stress over Guardian caused my heart attack

Reviewed by Kate on September 20th 2017   Verified Policyholder
All of a sudden (after 12 years), Guardian LTD is sending more and more paperwork – especially after someone stole my identity and filed taxes in my name. The IRS knows ...
Reply
Sent on September 20th 2017 by Attorney Stephen Jessup

Kate, please contact our office to discuss your claim in greater detail with one of our disability insurance attorneys.

Standard

Standard's sudden denial was inexplicable

Reviewed by Linda on September 13th 2017   Verified Policyholder
I was placed on disability by my doctor with a diagnosis of Cognitive Impairment (supported by both a neurologist and a neuropsychologist) which severely affects my abilit...
New York Life

New York Life thought I wasn't physically impaired when I was on BED REST

Reviewed by Kayla on September 6th 2017   Verified Policyholder
I was hospitalized for preterm delivery at 28 weeks. The doctor told me I would be on bedrest until I deliver. Since I was hospitalized they approved my STD claim July 19-...
Reply
Sent on September 6th 2017 by Attorney Rachel Alters
Kayla, please feel free to contact our office to discuss your claim. Also, it is not uncommon that PTO, sick leave, vacation have to be used prior to payment of any STD be...
Aetna

Aetna people are thieves, crooks and liars.

Reviewed by Anonymous on August 23rd 2017   Verified Policyholder
It is my opinion that Aetna people are thieves, crooks and liars. I purchased a disability policy from my employer with Aetna. I became disabled because of a heart conditi...
New York Life

I got nowhere trying to play New York Life's appeal games. Thank You, Dell & Schaeffer for resolving my case!!

Reviewed by Shaun on August 14th 2017   Verified Policyholder
I had New York Life for my Disability and every time I blinked there was a letter in the mail box or a request for medical records, Veterans Day of 2016 New York Life clos...
Lincoln Financial

I promptly sent my overpayments to Lincoln Financial, but now I haven't heard from them in months.

Reviewed by Berry E. on August 13th 2017   Verified Policyholder
Hi, I fill everyone’s pain on this sight. I have been drawing LTD from Lincoln Financial for 2 years. I don’t want to make a list of my conditions in med terms. I will...
Reply
Sent on August 13th 2017 by Attorney Stephen Jessup
Berry, you indicate you haven’t heard from Lincoln in three months, but have they been paying your benefit (less the amount for SSDI)? If so, no news would certainly be ...
Lincoln Financial

This company is a bunch of thieves.

Reviewed by Brian on August 13th 2017   Verified Policyholder
Lincoln Financial has tried 3 different ways to deny my claim. First pre existing, then treatment caused my disability and now that their doctor says I am not disabled. Th...
New York Life

New York Life promised me 60% of my income and gave me nothing

Reviewed by Laura on August 10th 2017   Verified Policyholder
I’m working as a manager for H&M in California and I have New York Life because of my company. I got pregnant last year in October and I called New York Life to make a m...
Reply
Sent on August 10th 2017 by Attorney Stephen Jessup
Laura, have you since filed a claim for California State Disability benefits? If New York Life provided you with a formal denial letter please feel free to contact our off...
New York Life

New York Life has not paid me a dime in months

Reviewed by Anne on August 6th 2017   Verified Policyholder
I work for a large company – and they have NY Life for both their long term and short term disability benefits. I have been off on STD since 6/7/17 – and NY Life has n...
Standard

Standard has keep me jumping through hoops for years

Reviewed by Donna on July 26th 2017   Verified Policyholder
I have been on LTD with The Standard since September 2011. The have had me jumping through hoops for all these years. Very rude if I call and ask a question. They say they...
Reply
Sent on July 26th 2017 by Attorney Stephen Jessup

Donna, please contact our office with a copy of the denial letter so we can discuss in detail how we may be able to assist you in appealing the denial.

Sun Life

delaying a decision forcing me to keep paying them premiums for a policy I believe they never had any intention of paying.

Reviewed by Kevin C. on July 21st 2017   Verified Policyholder
I have been paying SunLife formerly Assurant, formerly Fortis, premiums for 20 years on a group LTD policy I converted to an individual policy. My only dislosure ever rece...
Reply
Sent on July 21st 2017 by Attorney Stephen Jessup

Kevin, Sun Life is certainly beyond the normal time parameters in making a decision. Please feel free to contact our office to discuss your situation in detail.

New York Life

New York Life expects me to do a range of motion tests when every time I try to move I want to cry

Reviewed by Bonnie on July 16th 2017   Verified Policyholder
I have fibromyalgia, hashimotos and degenerative disk disease. New York Life just denied my STD claimed because my Dr. did not summit and range of motion report. How is a ...
Reply
Sent on July 16th 2017 by Attorney Stephen Jessup

Bonnie, if you have a copy of the STD denial letter please feel free to contact our office to discuss how we may be able to assist you in appealing same.

Lincoln Financial

Please, don’t take insurance out with this company.

Reviewed by Patricia T. on July 10th 2017   Verified Policyholder
Lincoln financial is not a good company. Please people don’t take insurance out with this company. It doesn’t pay , when you are out of work. They own me a lot of mone...
Reply
Sent on July 10th 2017 by Attorney Stephen Jessup
Patricia, we represent insureds throughout the country. Lincoln requires two levels of appeal before a lawsuit can be filed. Please feel free to contact our office to disc...