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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New York Life

What New York Life does to us is horrible

Reviewed by Edin D.J. on June 23rd 2014   Verified Policyholder
Just as I thought, after FCE, my LTD claim is closed. I just saw on line, my case status. Nobody cares what I have pain and tear in the hip, spine pain and two knee surger...
Reply
Sent on June 23rd 2014 by Attorney Stephen Jessup
Edin, please feel free to contact our office when you receive the denial letter from New York Life so we can discuss how we may be able to assist you in appealing the deci...
MetLife

Met Life is legalized extortion

Reviewed by Tim on June 19th 2014   Verified Policyholder
I worked for Continental/United Airlines for 15 years and paid for long term disability for all of those years. I was diagnosed with type 1 diabetes and could not work bec...
Reply
Sent on June 19th 2014 by Attorney Gregory Dell
Tim, how long has MetLife had your application? Under the law they are entitled to 45 days to render a decision, with the possibility of a 45 day extension. Please feel fr...
Sun Life

This company’s behavior is despicable and, frankly, cruel.

Reviewed by Diana on June 19th 2014   Verified Policyholder
So much evidence that the SunLife has been doing intentional damage to the claimants’ credit scores, not fulfilling it’s obligations by unjustly denying claims, causin...
New York Life

New York Life said if I had gotten a knee replacement I would have been eligible for benefits. Sorry New York Life, my knee had to wait when I was in the hospital 4 times for my bipolar disorder

Reviewed by Deb on June 17th 2014   Verified Policyholder
Well, New York Life has done their Re-Eval, and it looks like it will be a “No.” I had two disabilities when I left my last job. Bipolar Disorder, and need of a knee r...
Reply
Sent on June 17th 2014 by Attorney Rachel Alters
Deb, if New York Life does deny your appeal, please feel free to contact our office to discuss how we may be able to assist you in potentially bringing a lawsuit under ERI...
Lincoln Financial

I asked LFG head of appeals if he'd ever Googled the company and seen the pages upon pages of their shady practices. He changed the subject

Reviewed by Jen on June 17th 2014   Verified Policyholder
I just talked to the head of appeals today because there were nurses that denied on the first level of appeal. He told me that he’d, personally, make sure a doctor revie...
Reply
Sent on June 17th 2014 by Attorney Stephen Jessup
Jen, insurance companies cutting corners to save money on medical reviews is all too common. Please feel free to contact our office in the event Lincoln denies your appeal...
Lincoln Financial

LFG nurses can question the decisions of my neurosurgeon. What a joke

Reviewed by Jen on June 16th 2014   Verified Policyholder
I stumbled upon a Job Opportunity notice for Lincoln. The position is Psychiatric Nurse Disability Consultant and the minimum qualifications are “Undergraduate degree OR...
Reply
Sent on June 16th 2014 by Attorney Gregory Dell
Jen, it is all too common that insurance companies use nurse case managers to review an initial claim for benefits. If the claim is denied and the insured appeals, then th...
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...