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

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...
New York Life

I won my appeal but have no recourse for attorney fees

Reviewed by John on June 18th 2012   Verified Policyholder
My claim was initially denied by New York Life and I contacted a lawyer who assisted with my appeal and I was just informed I would be winning my appeal on reversal of the...
Reply
Sent on June 18th 2012 by Attorney Gregory Dell
John, Congratulations on winning your New York Life appeal. I am assuming your claim was governed by ERISA. Since it appears that a lawsuit was not filed there is no remed...
Reliance Standard

Despite my various medical conditions, I've only received partial benefits from Reliance Standard and am on the verge of another denial.

Reviewed by Ana on June 15th 2012   Verified Policyholder
I’m so tired of dealing with these people since 2007. I had a back surgery, stroke, paralyzed – thank God I managed to recover. Then in 2010 I was sick again due to a ...
Reply
Sent on June 15th 2012 by Attorney Gregory Dell
Ana, it sounds like you have a lot of things going with your medical condition and trying to deal with Reliance Standard. Call us and we will discuss what we can do to ass...
New York Life

The people making decisions at New York Life aren’t even physicians

Reviewed by Anita Ball on June 15th 2012   Verified Policyholder
I was assaulted at work by a charge person and now I have a panic/anxiety disorder and I am on STD leave from that job. This is the second time I have been off. The first ...
Reply
Sent on June 15th 2012 by Attorney Gregory Dell
Anita, You are correct that the person making the decision on your claim is not a physician. New York Life usually has your medical records reviewed by either a nurse or a...
Mutual of Omaha

Money is going in their direction everything is OK, but the minute they have to give any out it’s good luck Charlie.

Reviewed by Gordon Duncan on May 22nd 2012   Verified Policyholder
Well my Employer put me on short term disability through Mutual of Omaha on 3/28/12 and not knowing a thing about it, I went on it. Well, after calling them day after day ...
Reply
Sent on May 22nd 2012 by Attorney Gregory Dell
Gordon, Please keep in mind that their initial denial may be a scare tactic to force you to return to work. You have the right to file an Appeal and you may be required to...
Unum

Unum should be put under federal watch list

Reviewed by Bob Stewart on May 22nd 2012   Verified Policyholder
Unum should be put under federal watch list and the money owed to people taken right out of their account, but most of all put the crooks in jail, they’re an embarssment...
Reliance Standard

Reliance Standard wants me to see an IME that's biased towards my employer and the insurance companies.

Reviewed by Robert on May 20th 2012   Verified Policyholder
I have recently been denied extended benefits past there two year period. The process is currently in the appeal. I have documents from two orthopedic surgeons, a vascular...
Reply
Sent on May 20th 2012 by Attorney Gregory Dell
Robert, you should videotape the IME exam. You may find our video about what to expect at an IME exam helpful: 10 things to expect when your disability insurance company a...