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 341–360 of 687 Reviews
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Principal

I've never worked with people that are so obviously stalling before. Bunch of crooks

Reviewed by Mike on March 2nd 2016   Verified Policyholder
I have been disabled for over 10 weeks and Principle kept saying the forms incomplete so they needed all the medical records from my doctor, including office notes. After ...
Reply
Sent on March 2nd 2016 by Attorney Rachel Alters
Mike, is this a policy you purchased on your own? From what you’re saying it seems that they are investigating to determine whether or not there are grounds to rescind t...
Lincoln Financial

My husband's STD claim is close to switching over to LTD. We want to know more about the process, but Lincoln Financial won't provide any information.

Reviewed by Jeannie on February 26th 2016   Verified Policyholder
My husband had a stroke in Jan 2016 and suffered paralysis and weakness on the left side and lost half of his field of vision in each eye. This means he will never be able...
Reply
Sent on February 26th 2016 by Attorney Stephen Jessup
Jeannie, it is the responsibility of the employer to provide a complete copy of the policy, so a written request for same is best. With respect to SSDI and DSSDI sources- ...
Aetna

Aetna makes me bug my physician to sent stuff he already sent

Reviewed by Jennifer H on February 22nd 2016   Verified Policyholder
I have STD through my employer. My physician did a surgical procedure and supplied Aetna with dates of surgery physical therapy recovery time that would be needed to recov...
Reply
Sent on February 22nd 2016 by Attorney Gregory Dell
Jennifer, during STD it is not unusual for a carrier to request frequent updates. Please feel free to contact our office to discuss your claim further. We wish you a speed...
Reliance Standard

Reliance Standard pays measly benefits at the cost of constant requests for paperwork.

Reviewed by Brian H. on February 16th 2016   Verified Policyholder
I have been approved for social security disability also reliance standard approved me for long term disability went from short term with them at a rate of $1200 a month t...
Reply
Sent on February 16th 2016 by Attorney Stephen Jessup
Brian, you are unfortunately not alone in your experience. Due to the fact that disability benefits are determined on a month to month basis, Reliance Standard (and all ca...
Unum

Unum demanded to see all information on my checking account to monitor if I'm getting extra income. Seems illegal to me

Reviewed by Betina B. on February 8th 2016   Verified Policyholder
Due to a lung disease I am not able to work at a chemical plant that I worked for for 18 years, I am on long term disability from (unum). It started in july 2015, it is no...
Reply
Sent on February 8th 2016 by Attorney Stephen Jessup
Betina, I have never seen where Unum demands access to view a checking account to look for sources of other income. Though you do need to provide proof of your SSDI claim ...
Unum

UNUM has been stailling by saying they're waiting on medical records. Same old tactics

Reviewed by Bradford B. on February 5th 2016   Verified Policyholder
My name is Brad. I filed for LTD Enterprise Rent a Car who uses UNUM. That was beginning of November 2015. They have extended my claim for investigation twice. My doctor...
Reply
Sent on February 5th 2016 by Attorney Stephen Jessup
Bradford, as the insured, legally it would fall ultimately on your to provide proof of your disability, which means you are technically responsible for providing the medic...
Sun Life

SunLife's hipster with zero medical experience thought he knew more than my doctor

Reviewed by Scared on February 2nd 2016   Verified Policyholder
Sunlife told me they were sending a medical expert to my home to learn more on my condition and then get me specialist appointments and help me get better. A man in his 20...
Reply
Sent on February 2nd 2016 by Attorney Cesar Gavidia
Scared, I have not seen a situation where a non-medical professional came for any type of evaluation if it was deemed a medical evaluation. A field interview is completely...
Aetna

THIS COMPANY IS RUTHLESS. NEVER AGAIN WILL I BUY ANYTHING FROM AETNA.

Reviewed by Teresa on February 1st 2016   Verified Policyholder
I first purchased Aetna short term disability at open enrollment at my work – I think it was sometime in the last 10 year. Aetna was being sold as a buffer that would ca...
Reply
Sent on February 1st 2026 by Attorney Stephen Jessup
Teresa, I am sorry to hear about your experience. Unfortunately, employer provided/offered disability policies contain provisions for reduction of benefits from sources of...
Sun Life

I am sick of dealing with them!!! They are crooks!!!

Reviewed by Judy N on January 24th 2016   Verified Policyholder
SUN LIFE has stonewalled on my claim for short term disability benefits for 9 weeks. I haven t worked since April 8 and was diadnosed with Multiple Sclerosis. I paid my pr...
Reply
Sent on January 24th 2016 by Attorney Stephen Jessup
Judy, please feel free to contact our office to discuss your claim. A carrier typically only has 45 days to render a decision on any disability insurance filing. If you ha...
Reliance Standard

Reliance Standard is attempting to doctor shop and send me to an unqualified specialist.

Reviewed by Steve on January 20th 2016   Verified Policyholder
I was bitten by a black legged tick (ixodes pacificus) while working on the job at the Nevada Test Site in 2004. Only after I tested positive for Lyme disease and 2 co-inf...
Reply
Sent on January 20th 2016 by Attorney Stephen Jessup
Steve, as it appears that your claim is for Worker’s Compensation and not for benefits under a disability insurance policy, you will need to consult with an attorney tha...
Aetna

Stay away from buying any Long Term Disability from Aetna

Reviewed by Patti M. on January 7th 2016   Verified Policyholder
Stay away from buying any Long Term Disability from Aetna. I was approved on LTD for several years. Then I receive a letter from Aetna stating no longer approved my LTD do...
Lincoln Financial

We want our money, not the run around!

Reviewed by Anne on January 6th 2016   Verified Policyholder
My husband dehydrated at work and fell. We were denied Workman’s Comp. because HR person put us on Short-Term disability and allowed us to keep our insurance with the co...
Reply
Sent on January 6th 2016 by Attorney Jay Symonds

Please feel free to contact our office to discuss your husband’s claim.

New York Life

I’m sure New York Life's shareholders made a nice profit while my life was flushed into a 10 year nightmare that will never end.

Reviewed by Allin on December 30th 2015   Verified Policyholder
My LTD claim was denied while my STD claim was still being paid though nearly expired. New York Life then denied my LTD claim. I was very ill and they’re were no ERISA a...
Reply
Sent on December 30th 2015 by Attorney Stephen Jessup
Allin, how long ago was your claim denied, and did you ever file an administrative appeal? There are firm deadlines for filing appeals and civil lawsuits so there may be s...
Aetna

Aetnas thinks they can get away with not paying you for weeks on end

Reviewed by Edward on December 25th 2015   Verified Policyholder
How is it that major companies purchase this insurance from Aetna and then it’s the worker responsibility to keep everyone informed of what the other guy is doing ? Not ...
Mutual of Omaha

This company is awful

Reviewed by Mike on December 17th 2015   Verified Policyholder
I think there should be laws put in to place to cover the average Joe. This company is awful. They say so much they don’t even know what lies they have told. My husband ...
Hartford

They are liars, spies, and theives.

Reviewed by Kaydee on December 12th 2015   Verified Policyholder
So glad to see I’m not alone, I left work in March 2012 due to my crohns disease and gastroparesis along with chronic fatique. I’ve always had back issues and chronic ...
Reply
Sent on December 12th 2015 by Attorney Cesar Gavidia
Kaydee, please feel free to contact our office with a copy of your denial letter. We are more than willing to discuss your rights and options as they relate to your appeal...
Hartford

Hartford basically told us that we were out of luck

Reviewed by Josephine V. on December 6th 2015   Verified Policyholder
My husband has been on STD since June. As of Nov 14 hartford closed his case and stated that he had a return to work date of 11/14/15 in which he did not.They continue to ...
Reply
Sent on December 6th 2015 by Attorney Stephen Jessup
Josephine, there stands a likely chance that they will deny the LTD for failure to be disabled throughout the Elimination Period (STD Period). Please feel free to contact ...
Reliance Standard

Reliance Standard is inconsistent with their payments.

Reviewed by Drew S. on December 3rd 2015   Verified Policyholder
It’s been 2 1/2 yrs since I lost my right leg. Seems Reliance does not pay on a regular schedule. I’m so upset dealing with their bull. Why don’t we all file a major...
Reply
Sent on December 3rd 2015 by Attorney Stephen Jessup
Drew, please feel free to contact our office if you have questions regarding your issue. If you have been on claim 2.5 years Reliance may be reviewing your claim for a cha...
New York Life

I am beyond unhappy with New York Life

Reviewed by Kelly S. on November 27th 2015   Verified Policyholder
I’m 6 weeks into being off work with a foot broken in 4 places. The actually approved my claim a week ago and told me a check was on its way in 3 to 5 business days. Ins...
Reply
Sent on November 27th 2015 by Attorney Gregory Dell
Kelly, if they advised you the benefits were forthcoming then request for a form should not stall that. Please note that they will continue to request updates even after a...
New York Life

New York Life closed my case because they didn't have my info; yes they did. I'm not waiting for a review

Reviewed by D. Logisz on November 23rd 2015   Verified Policyholder
My spouse has been diagnosed with MCI (early Alzheimer’s) and lost her job because of it. We have filed LTD with New York Life and all the posts I just read are occurrin...
Reply
Sent on November 23rd 2015 by Attorney Stephen Jessup

D. Logisz, was a formal denial letter ever issued? Please feel free to contact our office to discuss your wife’s claim in detail.