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 281–300 of 681 Reviews
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New York Life

My Dr. never gave New York Life my medical records, so I lost my car

Reviewed by Renee on September 13th 2016   Verified Policyholder
They paid me for 2 weeks but wanted more info from my Dr..my problem is they have been requesting medical records for 6 weeks and my Dr never provided them although I was ...
Reply
Sent on September 13th 2016 by Attorney Stephen Jessup

Renee, unfortunately, it happens more than it should. I recommend going to your doctor to obtain the records yourself and submitting them on your own.

MetLife

MetLife hiring a pi to follow me + denying my claims heightens my anxiety

Reviewed by Ginger on September 2nd 2016   Verified Policyholder
MetLife had pi follow me and I have chronic pain anxiety and meneirs. They said because I took the trash out and went to my moms with my sons I am able to drive which is n...
Reply
Sent on September 2nd 2016 by Attorney Rachel Alters

Ginger, have you received your formal denial letter? Please contact our office to discuss your rights to appealing the denial of benefits.

Aetna

I feel as if my husband was robbed by Aetna

Reviewed by PD on August 30th 2016   Verified Policyholder
Reply
Sent on August 30th 2016 by Attorney Stephen Jessup
PD, when did Aetna advise that his claim had been closed? Have they since sent you a copy of the denial letter? Please feel free to contact our office to discuss what opti...
Hartford

Hartford's lack of help has left me struggling to pay my bills

Reviewed by Tammy V on August 30th 2016   Verified Policyholder
I was a firefighter/paramedic. I had the Hartford STD and LTD for approx. 5 years. I have had 3 back and neck surgeries having a total of 4 cervical and 8 thoracic vertebr...
Reply
Sent on August 30th 2016 by Attorney Stephen Jessup

Tammy, please contact our office to discuss your appeal rights.

MetLife

MetLife refused to pay me for 8 weeks

Reviewed by Vicki on August 28th 2016   Verified Policyholder
I have been diagnosed with pulmonary hypertension, asthma, edema, and fatigue. MetLife has been fighting me since June 3rd this year. I am being forced to retire because o...
Reply
Sent on August 28th 2016 by Attorney Stephen Jessup

Vicki, please contact our office to discuss what we may be able to do to assist you in securing your benefits.

Sun Life

I've been fighting SunLife for STD for 2 months and I've only received one week of payment

Reviewed by Frustrated Star on August 28th 2016   Verified Policyholder
I have been fighting SunLife for my disability/short term for over two months and have only recieved 1 week of payment from their. Every week it is a new problem or missin...
Lincoln Financial

Lincoln denied my claim because my doctor wasn't in the office – on his day off!!! – to answer their call

Reviewed by Nancy A. on August 17th 2016   Verified Policyholder
This is the worse, most incompetent company I have ever dealt with. I have a condition, that if I fall, it could cause my death. I can no longer walk without the aid of a ...
Reply
Sent on August 17th 2016 by Attorney Gregory Dell
Nancy, please feel free to contact our office to discuss your claim further. ERISA provides an insurance carrier a finite amount of time to conduct its review of an applic...
Sun Life

SunLife took 4 months after I declined their lump sum to deny me

Reviewed by Melissa on August 16th 2016   Verified Policyholder
In October of 2016 I was put on medical leave by my doctors and HR at the company I worked for. I was covered by both short-term and long-term disability benefits through ...
Reply
Sent on August 16th 2016 by Attorney Gregory Dell
Melissa, that is a very common tactic with Sun Life. Please contact our office when you receive the denial letter so we can discuss your claim in detail and to go over you...
Sun Life

SHAME ON YOU SUNLIFE.

Reviewed by Eva J on August 14th 2016   Verified Policyholder
I was employed by a Major Bank as a mortgage officer. A ob benefit was short term and long term disability insurance. I purchased both. After 4 years work related stress c...
Reply
Sent on August 14th 2016 by Attorney Stephen Jessup

Eva, please feel free to contact our office to discuss your claim in detail to determine how we may be able to assist you.

Lincoln Financial

I am in need of help in handling my appeal with Lincoln Financial.

Reviewed by Kimia A. on July 27th 2016   Verified Policyholder
I have been denied long term disability and appealed my case. My doctor informed me he does not feel the case worker is sympathetic and lincoln just extended the review to...
Reply
Sent on July 27th 2016 by Attorney Stephen Jessup
Kimia, please feel free to contact our office to discuss your claim. As your claim is already well into the appeal review process there may be very little we can do at thi...
Aetna

Aetna ignored my very detailed medical information and denied my claim

Reviewed by Tanya S on July 21st 2016   Verified Policyholder
I was discontinued LTD after the 24 months, although there was never any question about receiving the LTD prior to that. My doctors notes are all quite detailed, yet they ...
Reply
Sent on July 21st 2016 by Attorney Stephen Jessup
Tanya, it is imperative that you submit your appeal within 180 days of the denial or you could be barred from bringing suit. Please feel free to contact our office to disc...
Lincoln Financial

LFG made my PCP – who said he was not qualified – complete my forms

Reviewed by Pamela on July 21st 2016   Verified Policyholder
I have been on STD that progressed to LTD since April 27, 2014 with Lincoln Financial via my employer Moses Cone Hospital. It initially was denied off and on due to wrong ...
Reply
Sent on July 21st 2016 by Attorney Gregory Dell
Pamela, please contact our office to discuss your appeal. The PCP should not be completing forms if he is not a current treating provider, and Lincoln knows better than to...
Aetna

I'm fed up with this insurance company

Reviewed by Thomas R. on July 14th 2016   Verified Policyholder
I was out work for 3 weeks in June of 2016 (6th – 25th) for kidney stones. Dr. has sent the paperwork at least 5 times telling Aetna the situation. They ( Aenta) have be...
Reply
Sent on July 14th 2016 by Attorney Stephen Jessup
Thomas, I would recommend you obtain a copy of your medical records and send them via certified mail/FedEx/UPS to ensure they are received and Aetna can’t argue its way ...
Unum

They don’t return your calls. And when they do they try to trick you into making a false statement.

Reviewed by Michael K. on July 12th 2016   Verified Policyholder
I have a claim with UNUM it went from short term disability to long term disability. Everything was finally approved and I began receiving my checks monthly. After the new...
Reply
Sent on July 12th 2016 by Attorney Rachel Alters
Michael, Unum policies typically state the benefit will end when it is determined you are capable of part time work but do not pursue same. It is not too often that they d...
Guardian

If you work for a company who offers Guardian, tell them NO and get a non ERISA provider. Guardian lied about my options and then tried to tell me I'm not disabled

Reviewed by Bill on July 11th 2016   Verified Policyholder
I have been disabled for 15 years or so… The Guardian compelled me to apply for SSDI benefits to offset Guardian liability.. The Guardian even retained the atty… I won...
Reply
Sent on July 11th 2016 by Attorney Gregory Dell

Bill, have you appealed the denial? Please contact our office to discuss your denial and to determine how we may be able to assist you.

Unum

I don't understand why Unum terminated my benefits

Reviewed by Tammy on June 30th 2016   Verified Policyholder
I am a bone cancer survivor with limited use of dominant right arm. Receiving both unum and ssdi for eight years now. Unum has terminated my benefits. I do not understand ...
Reply
Sent on June 30th 2016 by Attorney Stephen Jessup
Tammy, please feel free to contact our office to discuss how we can assist you in appealing the denial of benefits. It is not uncommon for an insurance carrier to terminat...
Hartford

Hartford denied my appeal even after Dr. said I couldn't work and after I qualified for govt disability

Reviewed by Charla on June 29th 2016   Verified Policyholder
I qualified for government disabilit but Hartford denied my long term disability even though my Dr said I couldn’t work. I appealed but their appeal is with their own co...
Reply
Sent on June 29th 2016 by Attorney Rachel Alters
Charla, unfortunately most ERISA disability policies have a 3 year statute of limitations with which to bring a civil action against your insurance carrier. If your Hartfo...
Hartford

Hartford changed criteria of how they determine I'm disabled

Reviewed by Laura on June 25th 2016   Verified Policyholder
The Hartford approved STD benefits, then LTD benefits in my case, due to multiple ligament/tendon tears that can’t be repaired. I visited the genetics departments of 2 m...
Reply
Sent on June 25th 2016 by Attorney Stephen Jessup
Laura, please contact our office to discuss your claim and to determine how we may be able to assist you in litigating your claim. It would be helpful if you had a copy of...
MetLife

Verizon won't let me back to work due to confusion over Met Life doctors

Reviewed by Tammy on June 16th 2016   Verified Policyholder
I am out on Std claim thru verizon my employer and Metlife the insurance co they use. My dr released me back to work in beginning of January so Metlife had me go to one of...
Reply
Sent on June 16th 2016 by Attorney Stephen Jessup
Tammy, it is not typical that MetLife would send you to one of their doctors to clear you for work. Please feel free to contact our office to discuss your situation in gre...
Hartford

They are playing games

Reviewed by Twinkle on June 14th 2016   Verified Policyholder
I have been paying The Hartford STD and LTD for 13 years. I have now just filed my very 1st STD claim ever with them. They are already playing games. Claiming Kaiser (my m...
Reply
Sent on June 14th 2016 by Attorney Gregory Dell
Twinkle, if you haven’t already secured a copy of your medical records I would strongly urge you to. From my experience it can be hard securing records from Kaiser, so t...