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

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...
Reliance Standard

Reliance Standard is making me jump through hoops to receive my benefits, and I lost my house because of it.

Reviewed by Lynne on May 5th 2012   Verified Policyholder
I have been receiving LTD from Reliance for 2 years. They sent me to the Advocator Group to help with my SSDI. I have had three different “representatives” during my 2...
Reply
Sent on May 5th 2012 by Attorney Gregory Dell
Lynne, your Reliance Standard disability policy probably has a provision which states that any SSDI benefits will be deducted from your monthly benefit check. If it does, ...
Hartford

Does this company really think I'll be ready to return to work one month after a major surgery??

Reviewed by Karen on April 20th 2012   Verified Policyholder
I had Scoliosis surgery in February 2012 to correct a reversed “S” curved spine. I am cut from almost my neck to almost my butt. Have rods, screws and all the hardware...
Reply
Sent on April 20th 2012 by Attorney Gregory Dell
Karen, The person you are talking to at Hartford obviously is incompetent. It is doubtful your doctor will release you to return to work after such a major surgery. You ne...
Hartford

Can Hartford make me turn over my joint tax returns and SS statements? If they came to see me, are they going to deny my claim?

Reviewed by Dana Olita on April 12th 2012   Verified Policyholder
I am approved for SS and Hartford disability. I have RA which is a chronic disease that you have good and bad days. I had an investigator come to my home yesterday and que...
Reply
Sent on April 12th 2012 by Attorney Gregory Dell
Dana, Most disability carriers are entitled to receive a copy of your tax return in order to verify your income, if any. You can black any information on the tax return re...
MetLife

MetLife turned one hour of testing into the decision that I could work 8 hours a day, 5 days a week

Reviewed by Brian on April 9th 2012   Verified Policyholder
I have been getting long term disability from MetLife for 5 years. It started with terrible back pain that radiates down both legs to my feet. It became unbearable and I w...
Reply
Sent on April 9th 2012 by Attorney Gregory Dell
Brian, MetLife’s denial of your claim based upon the results of a Functional Capacity Exam is ridiculous. Your performance during a 2 hour test is not representative of ...
New York Life

Disability Insurance is a rip off

Reviewed by Margaret Lawson on March 26th 2012   Verified Policyholder
Disability Insurance is a rip off. I worked for Wendover Fianancial Company for over 14 years and had a disability policy which was deducted out of my paycheck for years f...
Hartford

Really unethical company!

Reviewed by Austin Young on March 26th 2012   Verified Policyholder
Hartford denied short-term disability to my pregnant girlfriend – really unethical company!
MetLife

MetLife closed my disability claim on short notice with no explanation

Reviewed by Gina on March 8th 2012   Verified Policyholder
Had bunion surgery on my right foot on the 3 of January, everything was going fine until I received a call from a MetLife representative of short term disability telling m...
Reply
Sent on March 8th 2012 by Attorney Gregory Dell
Gina, MetLife should have sent you a letter explaining their reasoning for denying your claim. You need to file an appeal in order to have a chance of getting benefits rei...
Prudential

Prudential is an absolute disagrace

Reviewed by Cheryl Stein on March 6th 2012   Verified Policyholder
I find Prudential Insurance Company to be an absolute disgrace when it comes to handling cases for their clients with disabilities. It has been my experience that they are...
New York Life

Hats off to New York Life for making another segment of a person's life miserable!

Reviewed by Gretchen Laubach on February 27th 2012   Verified Policyholder
I finally received a back payout of 2 years from New York Life for denied long term disability with the help of the attorney. I currently see a rheumatologist for my many ...
Reply
Sent on February 27th 2012 by Attorney Gregory Dell
Thank you for sharing your claim experience with New York Life. Keep fighting and don’t let them wear you down. You need to make sure you are prepared for the change of ...
New York Life

Thanks for having this comment section – it helped me to understand some of what New York Life was trying to do. God bless you.

Reviewed by Ann Law on February 26th 2012   Verified Policyholder
Well – New York Life rolled over – we made sure we complied with all they wanted, got all documentation to them and after Soc. Sec. approved my husband’s disability ...
Reply
Sent on February 26th 2012 by Attorney Gregory Dell
Ann, we are glad that you were successful in getting your husband’s long term disability claim approved. We love to hear about success stories. We are also happy that yo...
Unum

I'’m disabled and I will sure stay away from this company.

Reviewed by Cindy on February 19th 2012   Verified Policyholder
I saw the man on Channel 9 complaining about Unum, very sad. People deserve their money. I’m glad Fox 9 helped the poor man to get his money. Must be pretty bad to be on...
Reliance Standard

Do not use Reliance Standard's reccomended Social Security Lawyers

Reviewed by Sheila on February 15th 2012   Verified Policyholder
I have arrived at the dreaded 2 year mark of receiving LTD benefits at the same time that I have been approved for SSDI. I filed for continuation of benefits back in Novem...
Reply
Sent on February 15th 2012 by Attorney Gregory Dell
Sheila, thanks for sharing your experience. Reliance Standard is required to respond to all of your request and letters in writing. Make sure you are sending them certifie...
Hartford

If Hartford wants an interview, have someone else with you and ask to see their video of you before the meeting!!

Reviewed by Robert Cutts on February 15th 2012   Verified Policyholder
Hello my name is Robert Cutts, I have a Desmoid tumor surrounding a major artery in my abdomen. Treatment through Chemotherapy activated an Entrovirus in my stomach that c...
Reply
Sent on February 15th 2012 by Attorney Gregory Dell
Robert, Thanks for sharing you experience about Hartford. We have discussed Hartford’s field interviews in some of our videos and blog postings on this site. Hartford is...
Hartford

Hartford is a ripoff

Reviewed by Sherri on February 2nd 2012   Verified Policyholder
I have been denied short term disability through Walmart (Hartford). I have been out of work since 11-16-2011. I have used all my vacation, sick and personal hours. I had ...