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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Lincoln Financial

My claim with Lincoln Financial has been denied twice, and I'm at a loss as to what to do now.

Reviewed by Shaida on April 23rd 2013   Verified Policyholder
We believe that when we buy additional insurance for LTD, we expect to be treated fairly regardless of our current physicial and mental situation. We think we are protecte...
Reply
Sent on April 23rd 2013 by Attorney Gregory Dell
Shaida, you need to appeal your denial and preserve your rights. Don’t stop fighting for your claim as this is what Lincoln Financial wants you to do. We help claimants ...
Aetna

I couldn't get an urgent surgey because of Aetna. Now, I have permanent neck damage, and I lost my job/house/car

Reviewed by Tim I. Price on March 26th 2013   Verified Policyholder
I worked for a company called Avery Dennison. I had Aetna insurance for 15 years. I needed neck surgery which they paid for. They were aware I needed a second surgery. The...
Reliance Standard

After they miscalculated my salary and overpaid my benefits, Reliance Standard is now attempting to make me pay back their overpayment.

Reviewed by Jackie Ciarlelli on March 13th 2013   Verified Policyholder
I was diagnosed with breast cancer last March and went through hell getting approved for LTD from Reliance. Apparently, they don’t think cancer is a disability. The amou...
Reply
Sent on March 13th 2013 by Attorney Gregory Dell
Jackie, I am sorry to hear about your diagnosis and situation with Reliance. Unfortunately the policy allows them to seek an overpayment. It is unlikely they will sue you ...
Sun Life

I've been in a battle with SunLife for 5 years

Reviewed by Kim on February 9th 2013   Verified Policyholder
I have been in a battle with Sunlife and Manulife for 5 years now. When I was working, Sunlife provided my insurance and I had to be off work for 2 years on Long Term. I r...
Reply
Sent on February 9th 2013 by Attorney Gregory Dell
Kim, Your employer should have advised you of the change of disability carriers. You also need to make sure that when your employer switched disability providers that you ...
Reliance Standard

I was wrongfully targeted by Reliance Standard and went to prison because of it.

Reviewed by La Trice Holley on December 17th 2012   Verified Policyholder
I am currently receiving SSDI, but was receiving LTD, WC and STD from unbeknownst to me the insurers of my employer were related. I was continually harassed during my clai...
Reply
Sent on December 17th 2012 by Attorney Gregory Dell
La Trice, your situation is one that we have not come across. It sounds horrible what you went through. It may be possible that you have a claim against your insurance com...
Sun Life

Sunlife sucks. They’re trying to bleed me dry, hoping I’ll go away, but that’s not going to happen.

Reviewed by John Doe on December 9th 2012   Verified Policyholder
Sunlife sucks. I’ve been approved for SSDI for several spine surgeries, leaving nerve damage that causes constant pain, and regular periods of being incapacitated. On a ...
Reply
Sent on December 9th 2012 by Attorney Gregory Dell
John Doe, Sunlife regularly utilises video surveillance and social media scanning as a method to deny claims. If your claim has been denied or you are concerned that it wi...
Lincoln Financial

I don’t have anybody financially able to take care of me. I need my disability back!

Reviewed by Debbie on December 4th 2012   Verified Policyholder
I have been receiving my long term through Lincoln Financial for 2 and a half years. I was just notified I would no longer be receiving my payments. I have several disabil...
Reply
Sent on December 4th 2012 by Attorney Gregory Dell
Debbie, I am sorry to hear that Lincoln Financial had denied your disability benefits. If you contact us, then we can immediately take a look at your denial letter and let...
New York Life

New York Life needs to be banned from selling insurance in the USA

Reviewed by Cindy on November 19th 2012   Verified Policyholder
New York Life needs to be banned from selling insurance in the USA. I’m looking for a lawyer to sue New York Life and the company I worked for.
New York Life

New York Life LTD DISABILITY IS A SCAM! They are making me crazy

Reviewed by Cindy on November 19th 2012   Verified Policyholder
New York Life LTD DISABILITY IS A SCAM! I have had 5 back surgeries, knee surgery and also suffer from rheumatoid arthritis among other things. I have been on disability f...
Reply
Sent on November 19th 2012 by Attorney Stephen Jessup

Cindy, Unfortunately, as you so appropriately identify, you are not alone when it comes to dealing with New York Life.

Unum

I don’t understand how they can get away with this

Reviewed by Patti Welch on November 7th 2012   Verified Policyholder
I was living in Fairbanks, Alaska. And got very sick. Ended up in hospital for 2 days. Was told to get my own doctor, which I did. He refused to let me return to work and ...
Reply
Sent on November 7th 2012 by Attorney Gregory Dell

Patti, Did you ever appeal the Unum denial of benefits? If you did, then you may still have time to sue Unum and seek reinstatement of benefits.

Mutual of Omaha

Omaha's nurses can override my doctor and state disability office

Reviewed by Barbara on October 12th 2012   Verified Policyholder
I filed for my short term disability claim on May 14th. I am having awful back and leg pain and can not sit or stand for any time period. Since then I have had to make rep...
Standard

I'm not very confident that Standard sent my records for physician review based on what I'm reading in this comment section

Reviewed by Ben on October 2nd 2012   Verified Policyholder
I put my claim in sometime in June 2012 due to depression, anxiety, bi-polar and psychopathic symptoms. I thought I would get some sort of decision back fairly quickly how...
Reply
Sent on October 2nd 2012 by Attorney Gregory Dell
Ben, hang in there. They have probably sent your file to their in-house doctor or to a doctor that they regularly work with. You should send them any updated medical recor...
Reliance Standard

Reliance Standard keeps putting off their decision on my STD/LTD claims with them.

Reviewed by Gary Bellamy on September 30th 2012   Verified Policyholder
I filed a claim for STD/LTD with Reliance Standard in late June, at my SSA attorney’s advice I filed for SSDI at the same time. Reliance, after two “complementary” c...
Reply
Sent on September 30th 2012 by Attorney Gregory Dell
Gary, you should send them a letter advising they have blown the deadline to respond. You should send them your SSDI approval letter. You should also file a complaint with...
Standard

People are Standard are such big liars and they are not trained in the field

Reviewed by Sharon on September 30th 2012   Verified Policyholder
I was placed on FMLA April 30, 2012 for multiple mental disabilities and have been given the run-around by the Standard Insurance Company. They are such big liars and not ...
Reply
Sent on September 30th 2012 by Attorney Gregory Dell

Sharon, Please contact us privately to discuss your claim with The Standard. You need to communicate with them in writing only so that everything is documented.

Standard

They are crooks who don’t care about anything except making sure they deny claims and save money.

Reviewed by Lori Brett on September 3rd 2012   Verified Policyholder
I have been battling with The Standard out of Oregon for most of the year. I went out on disability leave of absence from work at the beginning of January for mental healt...
New York Life

 Everyone needs to flood New York Life, the media and the public.

Reviewed by PD on August 23rd 2012   Verified Policyholder
I went through the same thing with New York Life. First they approved my short term and long term claim. Then my LTD was denied and my appeal was denied. Nothing has chang...
Reply
Sent on August 23rd 2012 by Attorney Gregory Dell
PD, Thank you for sharing your story. We are glad that you were successful in getting New York Life to pay you. Don’t let your guard down as New York Life will continuou...
Lincoln Financial

Lincoln Financial Group suddenly decided that I was no longer disabled In spite of no evidence that I had gotten any better

Reviewed by Jennifer on August 11th 2012   Verified Policyholder
Just letting everyone know that Lincoln Financial Group originally allowed my long-term disability application and then suddenly decided, based on a nurses review, that I ...
Reply
Sent on August 11th 2012 by Attorney Gregory Dell
Jennifer, Thank you for sharing your experience. We are assuming you will be pursuing a lawsuit if you have exhausted all of your appeals. Let us know if we can assist you...
Mutual of Omaha

I want to sure MOO for the stress they've caused me

Reviewed by FLH. on August 6th 2012   Verified Policyholder
I was diganosed with a stroke on 5/03/2012 and was hospitilized, then put in rehabilitation to learn how to walk and adapt. I was then sent to outpatient OT and PT until m...
Reply
Sent on August 6th 2012 by Attorney Gregory Dell

FLH, Please contact us privately and we will try to do whatever we can to assist you.

Standard

I can't walk but Standard thinks I can work

Reviewed by Rick Williamson on July 27th 2012   Verified Policyholder
I was a prison guard for four years. When I was cutting wood a tree fell on me rupturing disks in my back. I was ordered to go to a doctor by the state. After my terminati...
Reply
Sent on July 27th 2012 by Attorney Gregory Dell
Rick, We are sorry to hear about your batter with The Standard. We have handled numerous claims against The Standard. Please contact us privately to discuss your options....
Hartford

Hartford LTD Co. is worthless.

Reviewed by H.F. on July 1st 2012   Verified Policyholder
Hartford LTD Co. is worthless. Named then Heartless! They paid me for almost 2 years after a botched AXIAL IF, lumbar fusion. I was diagnosed with a non-union. Coverage en...