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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Principal

Principal’s short term disability insurance is all lies. They will deny your claim any way they can

Reviewed by Charles on June 16th 2014   Verified Policyholder
Principal’s short term disability insurance is all lies. They will deny your claim any way they can. I had an existing marginally high blood pressure. No indication in a...
Reply
Sent on June 16th 2014 by Attorney Stephen Jessup

Charles, what is the status of your claim at this point? Are you back at work? In appeals?

New York Life

New York Life denied me one week before heart surgery

Reviewed by D. Lowery on June 15th 2014   Verified Policyholder
New York Life was informed I needed a pacemaker and defibrillator and a week before I had the surgery I received a denail letter for further benefits. I filed an appeal. 2...
Reply
Sent on June 15th 2014 by Attorney Rachel Alters
D. Lowery, how long ago did they notify you that the claim had been approved? I would not only call for a status on your check but also follow up with a certified letter....
Sun Life

SunLife knows people are going to be disgusted and just give up

Reviewed by Elizabeth on June 11th 2014   Verified Policyholder
I read your response to Amanda regarding her applying for short term disability thru Sun Life for work related stress. I too applied last year after being admitted to the ...
New York Life

All I need is unpaid leave for about 50 hours not 12 entire weeks. Worst customer service in history of time.

Reviewed by Shannon on June 5th 2014   Verified Policyholder
I have a different situation. I am not asking New York Life for any money. All I am trying to do is file FMLA to take care of a family member for doctors appointments unti...
Standard

I have a chronic illness that will never get better, yet Standard thinks I can work

Reviewed by Ms. JR on June 5th 2014   Verified Policyholder
I have an auto-immune arthritis and have been disabled since 2010. The Standard has stopped my benefit with no warning stating I should be able to do a sedentary job. My i...
Reply
Sent on June 5th 2014 by Attorney Stephen Jessup
Ms. JR, more often than not the insurance company terminates a benefit without any warning. If you have not already filed your appeal please feel free to contact our offic...
Guardian

Doctors intimidated by plethora of Guardian paperwork

Reviewed by Katina on June 4th 2014   Verified Policyholder
I have been receiving LTD from Guardian for almost a year now. Finally being released to work June 13th. I have had really no problems with Guardian other than having to s...
Reply
Sent on June 4th 2014 by Attorney Stephen Jessup
Katina, Guardian is one of the most reputable insurance carriers, so your treatment is not necessarily surprising. Many doctors are just hesitant to complete forms as they...
Hartford

I feel very much in the dark & filled with stress & anxiety

Reviewed by Fostina on June 2nd 2014   Verified Policyholder
I’m currently on my 23rd month of LTD with The Hartford and about a month ago I completed their mandatory IME. There has been no correspondence from the IME doctor to my...
Reply
Sent on June 2nd 2014 by Attorney Stephen Jessup
Fostina, it may be in your best interest to consult an attorney. Hartford does not typically require an IME as part of its review process, and the scheduling of same may b...
Guardian

When you talk to Guardian agent, you feel like your talking to a corpse

Reviewed by Mike on May 28th 2014   Verified Policyholder
I have recently had to start the disability process, my plan calls for 9 weeks of STD and then LTD until Social Security age (I worked for a great company who setup a good...
Reply
Sent on May 28th 2014 by Attorney Jay Symonds

Mike, has Guardian approved the STD claim at this point? Have they begun the LTD process? Please feel free to contact our office should you have any questions.

MetLife

Why do they want me to give extra info on a condition that will never get better? It feels like bullying

Reviewed by KLK on May 27th 2014   Verified Policyholder
I have been dealing with MetLife since Oct of last year. I have a 2 Level Fusion at S1 to L4 a neck fusion at C3. I also have DDD Spinal Stenosis and S1 Joint Dysfunction....
Reply
Sent on May 27th 2014 by Attorney Stephen Jessup

Please feel free to contact our office to discuss how we may be able to assist you.

Lincoln Financial

I'm dealing with a battle with cancer. Add a legal battle with Lincoln Financial

Reviewed by Cindy on May 21st 2014   Verified Policyholder
I had been taken out on STD on 03/24/14 by my psychiatrist for depression and anxiety after being under extreme stress with caring for my adult son with schizophrenia, who...
Reliance Standard

Reliance Standard says that I owe them $8,000 in offsets from benefits I never claimed/recieved.

Reviewed by Darla Norton Ellison on May 19th 2014   Verified Policyholder
I was a state of SC employee. I became unable physically todo my job. As required by the State of SC I filed disability claims with The Standard Long Term Disability, The ...
Reply
Sent on May 19th 2014 by Attorney Stephen Jessup
Darla, you will need to review the “Other Income” benefits section of your policy. Retirement benefits, regardless of source or funding, are often considered sources o...
Lincoln Financial

Do not truest these crooks!

Reviewed by Nichole on May 18th 2014   Verified Policyholder
Lincoln Financial group is a scam, people! I know firsthand and could list examples for hours. Do not trust these crooks!
Reliance Standard

Reliance Standard is trying to claim I owe an offset of nearly double what I actually was awarded.

Reviewed by Kathy on May 10th 2014   Verified Policyholder
I finally received a copy of the LTD from Reliance. They are now deducting the 15k workmans comp settlement I received. I also got a letter from them regarding the reducti...
Reply
Sent on May 10th 2014 by Attorney Stephen Jessup
Kathy, first and foremost, did they provide you with a detailed explanation of the overpayment? Without that, there is really no way to determine how they came to the conc...
New York Life

New York Life thinks my Parkinsons got better. It's a progressive debilitating disease.

Reviewed by Mike on May 7th 2014   Verified Policyholder
I became disabled due to getting parkinsons along with my diabetes. I was getting long term disability through New York Life when I lived in North Carolina. When I got my ...
Reply
Sent on May 7th 2014 by Attorney Stephen Jessup
Mike, I have represented a client with Parkinson’s against New York Life, and they pulled the same tactic with him. Please feel free to contact our office to discuss how...
Lincoln Financial

Having difficulty seeking a lump sum buyout of my LTD with Lincoln Financial.

Reviewed by Melissa Elkins on April 30th 2014   Verified Policyholder
Lincoln Financial is my LTD carrier, they have never questioned any information, only sent out yearly forms for my Dr. to fill out. Now I would like to do a buyout and NO ...
Reply
Sent on April 30th 2014 by Attorney Stephen Jessup
Melissa, under certain circumstances and on a case by case basis Lincoln Financial will consider a lump sum buy out of a claim for benefits. Please feel free to contact ou...
Sun Life

I can’t see how a company can legally do this

Reviewed by Robert McCoy on April 30th 2014   Verified Policyholder
My wife Vivian worked for a Md. Hospital as an R.N. She had long term disability and short term disability policy’s partly provided by the hospital. She developed back p...
Reply
Sent on April 30th 2014 by Attorney Stephen Jessup
Robert, your wife’s experience with Sun Life is not at all uncommon. When you get a copy of the denial letter please feel free to contact our office to discuss how we ma...
Hartford

They suck!

Reviewed by Robert Cavanna on April 26th 2014   Verified Policyholder
My wife works for Weis Markets. She was off for 4 months for surgery. Hartford the disability carrier for Weis, closed her account 2 and a half weeks before she went back ...
Aetna

Thanks for nothing, Aetna!!!

Reviewed by Sal Apara on April 23rd 2014   Verified Policyholder
I had umbilical hernia surgery on Mar. 28th, have been off work since Mar. 14th. I have recieved 2 payments from rialroad retirement and nothing from Aetna. They faxed doc...
Principal

Why do I pay to have such misery in dealing with a company??

Reviewed by D Alan on April 8th 2014   Verified Policyholder
I work in the financial field and have back issues that limits me from working full time. Many Years ago I took out a policy with Principal Group that would cover me and I...
Reply
Sent on April 8th 2014 by Attorney Stephen Jessup

D ALAN, I assume your claim is still pending a decision. If so, please feel free to contact our office to discuss how we may be able to assist you.

Aetna

Aetna cut off my benefits 5 days early

Reviewed by Derrik on April 1st 2014   Verified Policyholder
Hello. I had to use Aetna disability when I had double hernia surgery. The dates I was to be on disability were from March 12-19 of 2014. Aetna only paid me through the 14...
Reply
Sent on April 1st 2014 by Attorney Jay Symonds

Derrick, your only option would be to appeal the denial of benefits to try to secure the remaining 5 days Aetna would owe you.