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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Hartford

Can a disability insurance company claim an overpayment for social security disability benefits payable to a child as result of the parent's disability?

Reviewed by E. Crawford on June 22nd 2011   Verified Policyholder
Hello. Can you briefly explain the overpayment situations. I was never told that Hartford would take the SSDI awarded to my children. I did not know anything about an over...
Reply
Sent on June 22nd 2011 by Attorney Gregory Dell
E: I think you will find some helpful information in our Frequently Asked Questions section of our site. I have not seen your policy so I do not know if Hartford has a ri...
Standard

Standard denied my claim even though my doctor said I couldn't work

Reviewed by LeAn on June 17th 2011   Verified Policyholder
I was approved for STD. My request clearly stated my reason was for Fibromyalgia, C-spine herniation, and osteoarthritis. My LTD was denied because “my job” was sedent...
Hartford

I have been so shocked about Hartford’s lies – it is disgusting.

Reviewed by A. Wood on June 11th 2011   Verified Policyholder
To everyone that posted, thank you. I thought it was only me. My family did not understand why I was so upset. I gave permission for Hartford to speak with my sister. Just...
Unum

UNUM are bold face liars and cheats

Reviewed by Renee Lynne Clay on June 6th 2011   Verified Policyholder
UNIUM are bold face liars and cheats. They stall on purpose so they do not have to part with their money. Their money comes from hard working men and women who believed th...
Aetna

This company is a total ripoff

Reviewed by Ellen Kivier on May 24th 2011   Verified Policyholder
I have or should i say had, Aetna short and long term disability insurance. This company is a total ripoff. They are really good at collecting premiums, but God help you i...
Northwestern Mutual

NML says I have no limitarion and is refusing my benefits

Reviewed by Cynthia on May 15th 2011   Verified Policyholder
I am a litigation attorney with a paralyzed right vocal cord. My treating physician has placed me on vocal rest and said after the 7 years since my condition I can no long...
Reply
Sent on May 15th 2011 by Attorney Gregory Dell
Cynthia, I am sorry to hear about your situation. In order to determine if we can assist you, we need to review your denial letter and a copy of your policy. Please contac...
Standard

Standard had someone watch me for a week

Reviewed by Deborah Nixon on May 10th 2011   Verified Policyholder
The Standard also had someone do surveillance on me for a week. I saw them parked in the street and went to them and asked if they needed any help. They said they were doi...
Hartford

Hartford did every dirty trick in the book

Reviewed by Lisa on April 27th 2011   Verified Policyholder
PLEASE, PLEASE HELP. I had Hartford GLTD insurance through my employer in 2004. They did pretty much every dirty trick in the book including, as I’m almost 100% sure of,...
Reply
Sent on April 27th 2011 by Attorney Gregory Dell
Lisa, the techniques you have described about Hartford speaking with your doctors is standard conduct for them. The majority of claims that we see denied are because a cla...
Lincoln Financial

 It’s a shame for them to use the word integrity in their mission statement or use the name “Lincoln” to compare the company to. Pathetic.

Reviewed by Linda Kelley on April 26th 2011   Verified Policyholder
Lincoln Financial Insurance Company must be ran by a real creep. I hope the CEO enjoys the money he rips off from the policy holders. I’m sure he or she needs it. They a...
New York Life

New York Life told me to just "go back to work"

Reviewed by Gretchen Laubach on April 5th 2011   Verified Policyholder
I am having an issue with New York Life disability insurance. I worked up until Feb. 2010 part time as a utilization review nurse and part time as a direct patient care nu...
Reply
Sent on April 5th 2011 by Attorney Gregory Dell
Gretchen, the disability Claim denial by New York Life that you have described seems extremely unfair. New York Life needs to be held accountable for their actions. Once w...
Hartford

Hartford has financially crippled us. I was so mislead

Reviewed by Linda VanDenHeuvel on March 31st 2011   Verified Policyholder
Hello, my name is Linda VanDenHeuvel. I’m a Registered Nurse who worked in emergency departments for 32 years as a Trauma Nurse Specialist. For 13 years, I paid premiums...
Reply
Sent on March 31st 2011 by Attorney Gregory Dell
Linda, your Hartford policy probably has an offset for social security disability. Hartford will likely deny you after they recoup the ssdi overpayment. If you have proble...
Unum

UNUM is trying to intimidate and strong arm me

Reviewed by Debra on March 29th 2011   Verified Policyholder
It appears that UNUM is trying to intimidate me or strong ARM me. They closed my case because I didn’t give them the information they requested. My reason being I felt t...
Reply
Sent on March 29th 2011 by Attorney Gregory Dell
Debra, most ERISA governed policies have an offset for an award of SSDI payments. Most claimants do not realize that they may be required to pay back the SSDI benefits to ...
MetLife

We are dumbfounded!

Reviewed by Karen on March 18th 2011   Verified Policyholder
Almost two years ago, my husband was taken out of work and deemed disabled by Metlife under his longterm disability insurance that he purchased through his job. He was req...
New York Life

New York Life says they are working on it but I don’t feel my welfare is their concern.

Reviewed by Neil on March 15th 2011   Verified Policyholder
I have worked in a paint store for 30 years. We tint tons of epoxies & urethanes. We were fined by OSHA for no ventilation & disposal issues after several customer & emplo...
New York Life

New York Life gets away with denying STD when LTD is denied

Reviewed by Sharon on March 14th 2011   Verified Policyholder
I have had chronic back pain for years and recvd treatment for over a year of injections, chiro, etc. On Oct 5 2010 I had lower lumbar diskectomy and with lamintomy decomp...
Reply
Sent on March 14th 2011 by Attorney Gregory Dell
Sharon, New York Life is notorious for disability claim denials such as yours. It sounds like you have a lot of medical evidence in support of your claim. In order for us ...
Aetna

Aetna has given every excuse in the book to not pay me

Reviewed by Robert Samia on January 22nd 2011   Verified Policyholder
Sir, I had insurance with BlueCross Blue Sheild for fifteen years, no problems. I was laid off April of ’09 with continued coverage through Cobra. I was told by an agent...
Hartford

The Hartford’s favorite word is “NO"!

Reviewed by Polly Garvey on January 19th 2011   Verified Policyholder
The Hartford’s favorite word is “NO!”. It takes money from your paycheck for 21 years, and when you are told by your boss to go out on disability, and when you are g...
Lincoln Financial

LFG told me "pain doesn't stop you from working"

Reviewed by Alicia R. on September 24th 2010   Verified Policyholder
Truly not happy with Lincoln Financial I recently relocated from Michigan to Georgia and during the process I had a terrible flare up with my Fibromyalgia in the worse way...
Reply
Sent on September 24th 2010 by Attorney Stephen Jessup
Alicia, it certainly sounds like Lincoln is trying its hardest to set you up for a claim denial. Over the past year we have seen from Lincoln a previously unprecedented in...
New York Life

New York Life is giving me the run around. They dropped me like a rock after Social Security paid the back pay

Reviewed by David Ostrom on September 20th 2010   Verified Policyholder
Same old thing, getting the run around by New York Life on my long-term disability, been denied after they secured Social Security disability for me, as soon as Social Sec...
Hartford

Hartfford should live with the pain I have. I'm more sick because of them

Reviewed by Linda on December 31st 1969   Verified Policyholder
Why Pay for 25+ years to Hartford through a very large company and then find out that my Fibromyalgia is not a proven illness, yet I can barely get out of bed and in const...
Reply
Sent on December 31st 1969 by Attorney Stephen Jessup
Linda, Unfortunately, your situation is quite common. Hartford commonly writes limitations in their policies to limit conditions such as Fibromyalgia to two years. If you ...