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 241–260 of 681 Reviews
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New York Life

New York Life says I am well and able to work. I wish my brain and body got their memo.

Reviewed by Lani. A on March 14th 2017   Verified Policyholder
I have been denied long term disability from New York Life. I had a stroke in nov 2013… I have had more tests, procedures, and one profession of Dr. saying that its a ce...
Reply
Sent on March 14th 2017 by Attorney Stephen Jessup
Lani, have you appealed the denial of benefits? Please contact our office to discuss your appeal and the rights available. Despite New York Life terminating your claim tha...
New York Life

New York Life thinks it's ok to mess with my life

Reviewed by Candy on February 23rd 2017   Verified Policyholder
Why do these people think that it is OK to mess with my life? It took them a month before I received my first check. In which it was less than half of one of my regular ch...
Reply
Sent on February 23rd 2017 by Attorney Stephen Jessup
Candy, please feel free to contact our office as it relates to the disability claim. With respect to the insurance being $1800 I am assuming this has something to do with ...
New York Life

My experiecne with New York Life has been a complete headache

Reviewed by Sandra on February 15th 2017   Verified Policyholder
I was out on short term disability due to surgeries on both feet. I received a letter from New York Life indicating that I had 14 days beginning January 6 to submit the re...
Reply
Sent on February 15th 2017 by Attorney Stephen Jessup
Sandra, unfortunately, the overwhelming majority of claims are denied following a review of the file by a doctor or nurse without ever examining the insured. When you rece...
Hartford

Hartford terminated my benefits after they sent my forms to the wrong address

Reviewed by Fuzz on February 13th 2017   Verified Policyholder
Hartford terminated my long-term disability benefits because they sent forms by to be filled out by my treating physician and returned in 5 days but he didn’t make the d...
Reply
Sent on February 13th 2017 by Attorney Gregory Dell
Fuzz, Hartford only provides one level of appeal following a denial of benefits so it is imperative you file a complete appeal. Please feel free to contact our office to d...
Lincoln Financial

Lincoln Financial denied my benefits because they claim I can work a desk job, even though that is the very job I had to leave previously.

Reviewed by Jo on February 12th 2017   Verified Policyholder
LF called today stating I will no longer draw benefit. I just received SSDI January. I have had no problem with LF UNTIL now been off work 27 months. Claim adjuster said t...
Reply
Sent on February 12th 2017 by Attorney Stephen Jessup
Jo, in order to secure your benefit again you will need to go through the administrative appeal process. Is Lincoln aware you were awarded SSDI? Please feel free to contac...
Standard

Mental health LTD should be covered under the Mental Health Parity Act

Reviewed by Kim V. on February 10th 2017   Verified Policyholder
My company contracted with Standard for our short and long term disability policies. In Jan 2014 I was on STD, which turned into LTD with a waiting period, which was tough...
Mutual of Omaha

THEY SCAMMED ME AND DID NOT CARE

Reviewed by Debbie on January 31st 2017   Verified Policyholder
We have had life insurance with Mutual of Omaha since 1998 with a chronic illness rider that we decided to use in 2016. Our policy was for 500k, they approved us for 66,95...
Aetna

I am so stressed out I can’t sleep at night. 

Reviewed by Stressed Person on January 26th 2017   Verified Policyholder
I need help with a denial from Aetna that was approved then later taken back and back dated to beginning of claim. Per my work they said they have nothing to do with denia...
Reply
Sent on January 26th 2017 by Attorney Cesar Gavidia

Stressed Person, please feel free to contact our office to discuss your claim in greater detail to determine what assistance we may be able to provide.

MetLife

MetLife is a joke

Reviewed by Joseph D. on January 24th 2017   Verified Policyholder
I was off for a severe case of pancreatitis. The last month of benefits were turned down because they say the doctor did not substantiate my claim. I know this isn’t tru...
Reply
Sent on January 24th 2017 by Attorney Stephen Jessup

Joseph, you have to undergo the administrative appeal process to try to get the last month of benefit paid. Have you already filed the appeal?

Guardian

Guardian has built-in denial for self-employed individuals

Reviewed by Vinny G. on January 23rd 2017   Verified Policyholder
I have had a non employer Guardian LTD policy since 1991. It is for full disability. I have never had a need for it. Now that I do, I am finding they are doing all they ca...
Reply
Sent on January 23rd 2017 by Attorney Cesar Gavidia
Vinny, we would need to review your policy and all the correspondence from Guardian to determine how we may be able to assist you. Please feel free to contact our office t...
Lincoln Financial

I tried working a small job my friends offered me, and instead of offsetting my benefits Lincoln Financial is terminating them.

Reviewed by Candace W. on January 14th 2017   Verified Policyholder
November 2014 I was bit by a Great Dane dog, a day later I ended up in the hospital for 8 days and a pic line for 8 weeks. I ended up losing my job because the bones in my...
Reply
Sent on January 14th 2017 by Attorney Stephen Jessup
Candace, if your policy doesn’t allow you to work in any capacity then they could have the right to terminate your claim on account of same. However, it is often never q...
Sun Life

Sun Life doesn't tell you about their STD criteria, not do they let you know when your claim is denied

Reviewed by Cindy S. on January 14th 2017   Verified Policyholder
Sun Life has a certain criteria for STD claims. They do not tell you what the criteria is during the claim process nor do they let you know after the claim is denied. Do n...
Lincoln Financial

Why are we allowing LFG to get away with such nonsense??

Reviewed by A. Long on January 12th 2017   Verified Policyholder
I have been approved for a STD claim for issues and complications in pregnancy prior to delivery. In the documentation LFG provides, they clearly state benefits will be is...
Aetna

I am so tired of dealing with Aetna

Reviewed by Carol on January 3rd 2017   Verified Policyholder
Have been dealing with these people since August 3, 2016 things were great in the beginning then they started losing my paper work so in would have to call my doctors and ...
Reply
Sent on January 3rd 2017 by Attorney Jay Symonds

Carol, please feel free to contact our office to discuss your claim in detail and how we may be able to assist you with your monthly claim.

Unum

Unum denied reinstating my disability payments after I was diagnosed with arthritis

Reviewed by Benita M. on January 3rd 2017   Verified Policyholder
In 2006 I became struck with a near fatal illness. I was granted long term disability with UNUM as the administrator. I was back paid disability. I needed to get out of a ...
Reply
Sent on January 3rd 2017 by Attorney Stephen Jessup
Benita, how long ago was your claim terminated? If your denial of benefits was more than three years ago the applicable statute of limitations to bring a lawsuit may have ...
Unum

I am about to lose my money to these thieves

Reviewed by Jess on January 1st 2017   Verified Policyholder
My LTD company UNUM, has demanded me to send them my tax returns and W2’s for 2011-2013, saying I worked during that time! I tried to start a small home business but did...
Reply
Sent on January 1st 2017 by Attorney Stephen Jessup

Jeff, if you have not filed taxes the most I can suggest you do is advise them of such in writing. You can’t give them something that doesn’t exist.

Aetna

Aetna denied my appeal and now I'm out of money

Reviewed by Caretha M on December 8th 2016   Verified Policyholder
I was placed on loa June 2016 for medical and behavorial health issues my case was in process for an ext for the behavior health and the case Manger waitem a week after th...
Reply
Sent on December 8th 2016 by Attorney Stephen Jessup
Caretha, if Aetna has denied your administrative appeal your only option at this point would likely be to file a lawsuit under ERISA. Please feel free to contact our offic...
Prudential

These people/company are horrible. No one should suffer from their greed

Reviewed by Nadine on December 8th 2016   Verified Policyholder
Is there a class action law suit against Prudential… I will like to join that.. my claim was denied. After doing some research I see that there are many, many people bei...
New York Life

What a pathetic company

Reviewed by Pravina on December 7th 2016   Verified Policyholder
Submitted claim in advancement of my problems hoping that New York Life would understand my problems and process my claim accordingly.It has been 9 weeks after I stopped w...
Reply
Sent on December 7th 2016 by Attorney Stephen Jessup

Pravina, when was the last time you heard anything from New York Life? Please feel free to contact our office to discuss your claim.

Guardian

Guardian has the least helpful folks I have ever met

Reviewed by Jaye W. on December 7th 2016   Verified Policyholder
Trying to get my husband’s short term debility started after a heart attack. I don’t understand their process for collecting information and making a decision about hi...
Reply
Sent on December 7th 2016 by Attorney Stephen Jessup

Jaye, please feel free to contact our office to discuss your husband’s claim.