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 541–560 of 687 Reviews
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Aetna

These people are thieves

Reviewed by Roy on January 28th 2014   Verified Policyholder
I recently applied for a re-opening of a closed L and I claim for my back. My claim was denighed after waiting three months. I was then given advice to try and open std wi...
Hartford

They are making me crazy from the stress and anger.

Reviewed by Jackie on January 28th 2014   Verified Policyholder
Hartford is repeatedly calling and sending letters to me saying that they have not received documentation from a certain doctor. The nurse at the doctor’s office says th...
Reply
Sent on January 28th 2014 by Attorney Stephen Jessup
I am sorry to hear of your difficulties. You are certainly not alone in them. You are right; the best way to deal with an insurance company is a paper trail that should in...
Mutual of Omaha

This company is very corrupt, Be aware

Reviewed by M. Girmes on January 28th 2014   Verified Policyholder
Please hesitate & educate yourself when deciding on short term or long term disability insurance via Mutual Of Omaha. The company is very corrupt. They speak to you like y...
New York Life

I lost my job after New York Life denied my FMLA

Reviewed by Dianne on January 18th 2014   Verified Policyholder
I worked for Kellogg’s for over 18 years. My mom got sick and put in the hospital. New York Life denied my FMLA. I got events for the days I missed and lost my job.
Reply
Sent on January 18th 2014 by Attorney Stephen Jessup

Dianne, I would suggest you consult with an employment attorney to see if your job was terminated illegally.

Unum

They don’t care how you feel. They want you at work and will even trick your doctor to send you back

Reviewed by Saya on December 26th 2013   Verified Policyholder
I am currently out of work on short term disability leave, provided by UNUM. I am suffering from anxiety/panic attacks. I get intense headaches from the florescent lightin...
Reply
Sent on December 26th 2013 by Attorney Jay Symonds
Saya, unfortunately, your experience is not uncommon and if your claim is expected to go into Long Term disability the difficulties will most likely increase. Please feel ...
Aetna

Aetna thought my orthopedia surgeon's restrictions weren't good enough

Reviewed by Hayden Gallo on December 23rd 2013   Verified Policyholder
I have a short term dissability claim with Aetna. Every time I have a doctors apointment they demand paperwork that day. They are constantly closing my claim. When you tal...
Reply
Sent on December 23rd 2013 by Attorney Gregory Dell
Hayden, it sounds like you are dealing with someone at AETNA that is playing games with you. Aetna likely had a nurse or an internal medicine doctor review your medical re...
Lincoln Financial

Seems unfair and illegal that an employer can fire someone for being disabled and then the insurance carrier can turnaround and deny benefits on a case that began prior to termination

Reviewed by Yvana on December 17th 2013   Verified Policyholder
I applied for STD in August. Lincoln dragged their feet and took about 30 days to review my claim and after many calls to them they finally paid me for 4 weeks. After that...
Reply
Sent on December 17th 2013 by Attorney Gregory Dell
Yvana, if you are continuously disabled before termination, then you should still be eligible for STD and possibly LTD benefits even if you are terminated. You need to app...
Reliance Standard

Reliance Standard denied my LTD based off of an inaccurate job requirement.

Reviewed by Sharon Clyde on December 15th 2013   Verified Policyholder
My LTD is being terminated with only one month notice. My job qualifications require more exertion than what they are claiming. I am an Emergency Medical Technician which ...
Reply
Sent on December 15th 2013 by Attorney Stephen Jessup
Sharon, if you have spent time on our website you will understand the importance of filing a complete and proper administrative appeal. Please feel free to contact our off...
Sun Life

Sun Life is the absolute worst company I have ever dealt with

Reviewed by Jillian on December 8th 2013   Verified Policyholder
I need help. Sun Life is the absolute worst company I have ever dealt with.they have discriminated, judged and stalled for 4 months on my extended disabilit , now I am try...
Reply
Sent on December 8th 2013 by Attorney Cesar Gavidia

Jillian, please contact our office to discuss how we may be able to assist you.

Reliance Standard

After receiving SSDI, Reliance Standard delayed their payment adjustment and I can't get a hold of my case worker.

Reviewed by MGW on December 2nd 2013   Verified Policyholder
I had both shoulders replaced in 2012. Reliance paid my STD and have been paying LTD for a year. Once I was approved for SSDI I sent them my reward letter and payment amou...
Reply
Sent on December 2nd 2013 by Attorney Stephen Jessup

MGW, I would recommend filing a complaint with your state insurance commissioner for the delay and non-responsiveness from Reliance.

Lincoln Financial

Lincoln Financial is threatening to deny my benefits because I haven't yet provided them with my restrictions/limitiations as a result of GI complications.

Reviewed by Lisa Rucker on November 25th 2013   Verified Policyholder
Hello, my name is Lisa and I have been on LTD since 2006. When I went out on disability it was for pain management. While I was waiting for an appt. my job terminated me o...
Reply
Sent on November 25th 2013 by Attorney Stephen Jessup
Lisa, unfortunately, entitlement to disability insurance benefits is a month to month evaluation and as such the carrier can request updated claim forms and information on...
Unum

Generally the people you contact are helpful and courteous, but those who work in the background are NOT at all. QUESTION EVERYTHING!

Reviewed by Jim on November 19th 2013   Verified Policyholder
Over three years ago, I went on LTD. Five weeks after applying, I was awarded SSDI; at six months, I was awarded both UNUM LTD benefits and employer disability pension. UN...
Reply
Sent on November 19th 2013 by Attorney Stephen Jessup

Jim, where does the issue with Unum stand today? Are they still demanding repayment?

New York Life

Working with New York Life has been a nightmare

Reviewed by Irene Burgon on November 17th 2013   Verified Policyholder
I am a 52 year old female who was diagnosed with Fibromyalgia in 2004. My physician at the time stated I probably would not be able to work because of all of the symptoms ...
Reply
Sent on November 17th 2013 by Attorney Stephen Jessup

Irene, please feel free to contact our office to discuss how we may be able to assist you with your New York Life claim.

Mutual of Omaha

Mutual of Omaha is a rip off.

Reviewed by Genita Hill on November 13th 2013   Verified Policyholder
Mutual of Omaha is a rip off. When my husband died in 2011, they refused to pay his death benefit because they said he was disabled when I insured him. He retired from his...
Prudential

Prudential is basically waiting for my boyfriend to die

Reviewed by Jennifer on November 13th 2013   Verified Policyholder
My boyfriend is permanently disabled thanks to medical malpractice. He applied for Prudential long term disability and was denied. He appealed, submitting 500 pages of med...
Reply
Sent on November 13th 2013 by Attorney Stephen Jessup
Jennifer, if they have not requested their legally allotted extension beyond the 45th day, and there has been no tolling of time, then the case could be ripe for a lawsuit...
Lincoln Financial

I haven't been denied, but LFG quit paying me. I think I was treated wrong by them and my employer

Reviewed by Josh Jackson on November 10th 2013   Verified Policyholder
I was in a car accident in August 2006; not my fault. I had to use Lincoln for about a year after my back surgery. Well, I returned to work after my accident, still in pai...
Reply
Sent on November 10th 2013 by Attorney Stephen Jessup

Josh, please feel free to contact our Office at 800-682-8331 to discuss your claim and how we may be able to assist you.

Reliance Standard

My experience with Reliance Standard and how to save yourself a lot of trouble dealing with them.

Reviewed by James Scarlott on November 5th 2013   Verified Policyholder
I just went through the denial process with Reliance. The very day I got my denial I found this website and was referred to one of their affiliates. Reliance folded before...
Reply
Sent on November 5th 2013 by Attorney Stephen Jessup

James, thank you for sharing your experience.

Standard

Standard denied me because I didn't report my injury immediately. Sorry, I didn't realize it would be disabling…

Reviewed by Linda Swearingen on October 22nd 2013   Verified Policyholder
I submitted a claim to the Standard and was refused seemingly because I didn’t report the injury immediately. Well, I didn’t expect the injury to be as disabling as tu...
Reply
Sent on October 22nd 2013 by Attorney Stephen Jessup

Linda, please feel free to contact our office to discuss how we may be able to assist you.

Prudential

I went trhrough pure hell to get approved and now Prudential wants more info

Reviewed by Linda Harrelson on October 8th 2013   Verified Policyholder
I need help. I have worked all of my life, I was making 20 dollars an hour at my job of 13 years. I had to go out because of my back. I went through pure hell to get appro...
Reply
Sent on October 8th 2013 by Attorney Stephen Jessup
Linda, please feel free to contact our office to determine how we might be able to assist you. As disability benefits are reviewed on a month to month basis, please be adv...
New York Life

I lost my job, I can't go back to work, I have an appeal deadline approching fast and no one will take my case… thanks New York Life

Reviewed by Tiffany on September 30th 2013   Verified Policyholder
I went out ill in July of 2012 with severe vertigo and a mind blowing migraine. After 4 days the migraine subsided slightly, however the vertigo never left and I was blind...
Reply
Sent on September 30th 2013 by Attorney Stephen Jessup
Tiffany, Unfortunately with such limited time before your appeal is due, we would not be able to assist you in drafting same. However, I would suggest that you make sure A...