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 561–580 of 687 Reviews
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Sun Life

I wish SunLife had to pay for the hunger and humiliation they caused me

Reviewed by Carla on September 28th 2013   Verified Policyholder
I filed a short term disability claim and my physician assured me I would not be turned down by a private insurance company based on my diagnosis. They did deny me, and th...
Reply
Sent on September 28th 2013 by Attorney Stephen Jessup
Carla, I am sorry to hear of your experience. I wish someone would have to pay for your “hunger and humiliation” but under ERISA governed insurance policies, Sun Life ...
New York Life

New York Life is full of crap

Reviewed by S. Jackson on September 23rd 2013   Verified Policyholder
I went out on STD, provided documentation, surgery dates, given time off only to be denied afterwards and told I owe back money. I no longer work for New York Life, but th...
Reply
Sent on September 23rd 2013 by Attorney Cesar Gavidia
Anna, although receipt of SSDI benefits is considered strong evidence of disability to be considered by New York Life, it is not a guarantee to future entitlement to disab...
MetLife

MetLife trying to find reasons not to pay. I'm so frustrated and stressed

Reviewed by Elisa on September 8th 2013   Verified Policyholder
The beginning of March 2013 my Dr. put me out of work on STD due to pain in my L4 L5 bulging discs. I couldn’t bend or lift anything. I was out of work till beginning of...
Reply
Sent on September 8th 2013 by Attorney Stephen Jessup
Eliza, I think your synopsis in right on point – they’re just looking for a reason to deny. In the event your appeal is denied, please feel free to contact us to deter...
Standard

I never can get the same person on the phone and it’s just a run around.

Reviewed by Heather on August 28th 2013   Verified Policyholder
My job just started using the Standard last Oct. 2012. I have MS and my FMLA was approved from Aug. to Aug.. I have had nothing but trouble of them saying it’s not appro...
Reply
Sent on August 28th 2013 by Attorney Stephen Jessup

Heather, I am sorry to hear about your problems with respect to your FMLA. Have you filed any claim for disability with Standard?

MetLife

MetLife changes their mind about my payments

Reviewed by Larry Brixey on August 26th 2013   Verified Policyholder
After 26 weeks of STD from Sedgwick, my disability continues while MetLife denies my LTD they say due to pre-existing conditions. They already said that I would be receivi...
Reply
Sent on August 26th 2013 by Attorney Stephen Jessup
Larry, please feel free to contact our office to review your information. However, if your claim does fall within the parameters of what constitutes a “pre-existing cond...
New York Life

New York Life will probably deny my claim again

Reviewed by Barb Davis on August 22nd 2013   Verified Policyholder
I have been off work since June, 2013. I have pinch nerve between C6 and C7. The first nerve conductive test didn’t show this. The second one done by a second Dr. did sh...
Reply
Sent on August 22nd 2013 by Attorney Stephen Jessup
Barb, I am sorry to hear about your seemingly unending fight. Please feel free to contact us should your appeal be denied so we can discuss the options available to you in...
Lincoln Financial

I have nothing but praise for Lincoln Financial Group and for Mr. Dell

Reviewed by David L. Keller on August 13th 2013   Verified Policyholder
Lincoln Financial Group has handled my LTD case fairly and with professionalism. I wish to thank Mr. Steven Dell for his expert assistance in planning for my long-term dis...
Lincoln Financial

Lincoln Financial is a bunch of crooks.

Reviewed by Dale on August 11th 2013   Verified Policyholder
Lincoln Financial is a bunch of crooks. I received STD through Lincoln Financial for I believe 26 weeks (roughly). Once I used the STD it changed to a LTD claim and I was ...
Reply
Sent on August 11th 2013 by Attorney Stephen Jessup
Dale, thank you for sharing your story. It is unfortunate that you (and others) experience such treatment. It is even more unfortunate that Lincoln is not legally liable f...
New York Life

New York Life left me with no choice but to return to work – even though I shouldn't have

Reviewed by Erica Berndt on July 24th 2013   Verified Policyholder
I am a 27 year old single mother, who has worked in customer service for a chemical company for almost 3 years. However in early 2012 I started have lower back pain and le...
Reply
Sent on July 24th 2013 by Attorney Stephen Jessup
Erica, thank you for sharing your story, unfortunately yours is not an uncommon one. What you experienced is a technique we like to call being “starved into submission.â...
Mutual of Omaha

I lost my job in the 2 years I fought MOO

Reviewed by Nita on July 21st 2013   Verified Policyholder
I have major depression, fibromyalgia, chronic fatigue disorder, chronic pain, insomnia and sleep apnea. I have been fighting them for over 2 years now, during which I los...
Unum

Unum won’t return my calls. Going to be a long fight.

Reviewed by Bill on July 20th 2013   Verified Policyholder
I was told that after 2 years that Unum would review my LTD to see if I can do other work. Well, guess what Unum decided that I can do other work, which involves sitting a...
Reply
Sent on July 20th 2013 by Attorney Stephen Jessup
Bill, unfortunately, you are not alone in your fight. If you would like a free consultation to determine how we might be able to assist you in appealing the denial, please...
Prudential

I'm living in a moblile home because of Prudential

Reviewed by Cindy Johnson on July 16th 2013   Verified Policyholder
Time to vent again. I know it is too late now for any appeal, I tried that for a couple years. I begged, cried, and cried and cried. I paid for Long and Short term disabil...
Reply
Sent on July 16th 2013 by Attorney Stephen Jessup
Cindy, Thank you for sharing your story. I can only imagine how hard it must be. Although there is no indication that any sweeping reform is on the way that will come that...
New York Life

New York Life thinks that just because my husband does not have active cancer he can work. What kind of knowledge does their medical staff have?

Reviewed by Doreen Harding on July 9th 2013   Verified Policyholder
Reading about all these denials make me sick! My husband was recently denied AFTER getting his LTD for over a year. My husband is on SSDI already and was approved and give...
Reply
Sent on July 9th 2013 by Attorney Stephen Jessup
Doreen, when it comes to claims for disability stemming from Cancer, it is not uncommon for an insurance company to take the position that in the absence of “active” c...
New York Life

Thank goodness for your law firm. I hope you are able to help others receive the support they need.

Reviewed by Kara on July 6th 2013   Verified Policyholder
My STD claim was denied by New York Life due to my doctor’s inability to provide accurate and consistent information. I attempted to appeal but my doctor will not cooper...
Reply
Sent on July 6th 2013 by Attorney Stephen Jessup
Kara, It is unfortunate when and not all that uncommon that a treating physician will not cooperate as it gives the insurance company an easy route to deny benefits....
MetLife

MetLife justifying denying my claim with a condition I never had

Reviewed by Marilyn on July 5th 2013   Verified Policyholder
I have short and long term disability insurance through MetLife. I had to have a 4 point fusion on my wrist due to an injury I incurred. They claim to determine eligibilit...
Reply
Sent on July 5th 2013 by Attorney Stephen Jessup
Marilyn, It would appear MetLife is trying to deny your claim as a pre-existing condition. Please feel free to contact our office to determine how we may be able to assist...
Hartford

Hartford didn't give me increased benefits as my income increased

Reviewed by Ray on June 7th 2013   Verified Policyholder
I have a disability plan that pays 60% of my pre disability income. There is a statement in the plan that states my pre disability income will be increased on a yearly bas...
Reply
Sent on June 7th 2013 by Attorney Jay Symonds
Ray, In most ERISA based long term disability policies provided by your employer there are no adjustments to the benefit due to a COLA increase. The language you are refer...
Principal

Principal determines the length of your disability. NOT YOUR DOCTOR OR YOUR RECOVERY RATE. 

Reviewed by Debi on May 31st 2013   Verified Policyholder
I have Principal Financial disability for 18 yrs. through work. Last Jan. I had 4 spinal multi-level laminectomies and fusions and was promptly paid short term disability ...
Reply
Sent on May 31st 2013 by Attorney Gregory Dell
Debi, a four month recovery for the type of surgery you had is ridiculous. Especially when your doctor has not cleared you to return to work. Most people with your surgery...
Northwestern Mutual

NW said my relatives' claim was "not justified" and double the premium for no reason

Reviewed by Lyn N. on May 28th 2013   Verified Policyholder
Northwestern claims examiner automatically ruled against my relatives’ claim “not justified.” We had one doctor who told us all he could do for my relatives pain was...
Guardian

Guardian is designed to get claims denied rather than approved

Reviewed by Stephen on May 25th 2013   Verified Policyholder
I was denied a claim based on a pre-existing condition. I appealed and Guardian hired the services of an outside vendor “BMI” to get a doctor to talk to my doctors in ...
MetLife

I’m not disabled in MetLife’s eyes, even though I cannot do daily tasks and am on over 5 medicines.

Reviewed by Jennifer on May 4th 2013   Verified Policyholder
I have worked for my work for over 4 years. During working for this company I learned I have bipolar, anxiety, and depression. I have gone out of work about 4 times for th...
Reply
Sent on May 4th 2013 by Attorney Gregory Dell
Jennifer, You will need to file an appeal of your MetLife disability denial. Your disability policy should tell you the time frame within which you need to file an appeal....