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

New York Life denied my STD claim

Reviewed by Jason G. on June 22nd 2021   Verified Policyholder
I was denied an STD claim by New York Life.
Reply
Sent on June 22nd 2021 by Attorney Jay Symonds

Jason, I suggest you contact our office and speak with one of the attorneys to discuss in more detail your circumstances and your options.

Lincoln Financial

This is the second time I've been shorted in my check

Reviewed by Wendy J. on June 16th 2021   Verified Policyholder
I have been out of work since 3/25/21. I had to jump thru hoops to get an extension from 4/28/21 to 6/13/21. I have had MRI, x rays which showed anuerysmal tumor on my fib...
MetLife

Your decision making process is absurd!

Reviewed by Brian on June 1st 2021   Verified Policyholder
My wife went through a nightmare with a back surgery for two discs. When the first surgery took place, the Dr. cracked a different vertebrae as they placed the metal rods ...
Sun Life

Everytime SunLife receives my information they ask for another 7 to 10 business days

Reviewed by Joe M on May 31st 2021   Verified Policyholder
Told Sunlife I’m getting an attorney since my claim was filed April 16, 2021, still pending a decision and everytime they ask for more information and they receive it, t...
Reply
Sent on May 31st 2021 by Attorney Jay Symonds
Joe, I assume this is a short term disability claim pursuant to a group policy issued to your employer. If so, the relevant federal claims regulations allow the carrier up...
Lincoln Financial

Lincoln Financial denied my STD claim because one doctor didn't send them my medical information.

Reviewed by Eric J. on April 6th 2021   Verified Policyholder
In late January 2021 I was referred to a Doctor I meet her for 15 minutes she ordered some X-rays and blood work. In mid Feb I called to change my next appointment due to ...
Reply
Sent on April 6th 2021 by Attorney Stephen Jessup
Eric, it sounds like there is more to the story than what Lincoln is telling you. Have you received the formal denial letter? If so, we can review the letter with you to d...
MetLife

My husband has 2-5 yrs to live, yet MetLife has been giving him the run around

Reviewed by Tina on March 19th 2021   Verified Policyholder
My husband has STD and LTD with his employer. He was dx with ALS/Lou Gehrig’s Disease Aug 2019, made official after many many test, as of Jan 2020 but continued to work ...
Reply
Sent on March 19th 2021 by Attorney Gregory Dell
Tina, I am so sorry to hear that MetLife and the employer have been giving you the run around. From everything that you described, your husband’s claim should be a quick...
Reliance Standard

Reliance Standard denied my LTD benefits because COVID-19 limited my ability to provide proof of continued disability.

Reviewed by Ken S. on February 11th 2021   Verified Policyholder
Hello, I have a LTD policy with Reliance Standard and it has been paid (considered disabled) for 14 plus years. However, due to limited doctors visits / records this past ...
Reply
Sent on February 11th 2021 by Attorney Cesar Gavidia
Ken, it’s important to ensure that if your claim is denied your Appeal be exhaustive, comprehensive, and contain not only all of your relevant medical records, but that ...
Lincoln Financial

Lincoln cancelled my benefits because my doctor's notes were handwritten

Reviewed by Maci P. on February 7th 2021   Verified Policyholder
I have been on a short term disability since June of 2020. I was paid additional benefits through Lincoln Financial after SDI paid me. In august of 2020, Lincoln Financial...
Reply
Sent on February 7th 2021 by Attorney Rachel Alters
Maci, unfortunately this is common behavior for Lincoln. Please contact our office at 888-729-3355 and ask to speak to an attorney who can assist you with your STD appeal....
MetLife

Inappropriate conduct!! Rude, discriminatory, etc

Reviewed by Deanne on January 31st 2021   Verified Policyholder
Have you ever dealt with a case where the person is receiving LTD benefits but there have been issues with the case manager? For instance, the person was badgered about an...
Reply
Sent on January 31st 2021 by Attorney Jay Symonds
Deanne: This certainly does not sound like appropriate conduct on the part of the claims personnel. Are you still collecting an LTD benefit? I suggest you contact our offi...
Lincoln Financial

Lincoln denied my disability claim even though Dr said I couldn't work

Reviewed by Richard F. on December 25th 2020   Verified Policyholder
My Doctor took me out of work starting October 12, 2020 due to GI illness. I am unable to work. Lincoln denied my disability claim.
Reply
Sent on December 25th 2020 by Attorney Stephen Jessup
Richard, have you filed an administrative appeal of the denial? Please feel free to contact our office to discuss your claim and denial in detail to determine how we may b...
MetLife

Haven't been paid since MetLife denied my appeal months ago

Reviewed by Rosanne on December 8th 2020   Verified Policyholder
I was denied my appeal with Metlife, and I am still seeking medical diagnosis for other health issues. I was diagnosed with Chronic Gastritis and am now being tested for R...
Reply
Sent on December 8th 2020 by Attorney Gregory Dell

Rosanne, I am sorry to hear of your denial. Please contact at once for a free consultation. We should be able to assist you with the next available steps.

Sun Life

I have lost everything due to non payment of my claim.

Reviewed by Lester H. on November 2nd 2020   Verified Policyholder
I have lost everything due to non payment of my claim.
MetLife

Metlife closed my STD claim amid several injuries

Reviewed by Donnette S. on October 14th 2020   Verified Policyholder
I am currently on STD with Metlife due to an accident on July 2nd. The accident broke my femur in have and I was care flighted to a trauma unit in Houston. The body scans ...
Reply
Sent on October 14th 2020 by Attorney Jay Symonds
Donnette: This is a very unfortunate set of circumstances. Have you received a written denial letter? I suggest you contact our office and speak with one of the attorneys ...
Lincoln Financial

Lincoln doesn't think renal failute and 4 dyalisis treatments per day are enough to be. Disabled

Reviewed by Brenda G. on September 21st 2020   Verified Policyholder
I was approved for SSI disability but my short term has exhausted. I have long term plus disability but not approved I have renal failure and do 4 dyalisis treatments a da...
Reply
Sent on September 21st 2020 by Attorney Gregory Dell

Brenda, was your long term disability denied or is it just pending at this point? Please feel free to contact our office to discuss your claim in greater detail.

New York Life

New York Life denied me and I had no other choice but to go back to work when I wasn't ready

Reviewed by Maria G. on September 15th 2020   Verified Policyholder
I’ve had a lot of issues with New York Life. I am under stress and depression, they denied me and I had no other choice but to go back to work. I wasn’t getting the in...
Reply
Sent on September 15th 2020 by Attorney Jay Symonds

Maria: That sounds terrible. Once you returned to work your coverage likely remained in effect if your issues deteriorate in the future.

Prudential

Prudential cancelled my policy amid COVID crisis

Reviewed by Patricia M. on September 15th 2020   Verified Policyholder
In the mist of the covid crisis Prudential decided I needed to prove my disability, yet again. I have been physically disabled since 10/31/1989. I now know that I have bee...
Reply
Sent on September 15th 2020 by Attorney Jay Symonds
Patricia: This is a terrible situation. You likely have a right to appeal the decision. I suggest you contact our office and speak with one of the attorneys to discuss in ...
MetLife

Metlife's COLA recalculation cut my payments with no explanation why

Reviewed by Tori on September 10th 2020   Verified Policyholder
Are you aware of any class action lawsuits against Metlife Disability over their COLA adjustment method of calculations and application Of COLA? MetLife contacted me this ...
Reply
Sent on September 10th 2020 by Attorney Gregory Dell
Tori, we are not involved in any class action at this time with MetLife, however, we will gladly review your policy to see if their updated calculations for your COLA are ...
Unum

Unum terminated my benefits with no warning

Reviewed by K. Potter on September 9th 2020   Verified Policyholder
I was told I was covered with Unum through my employer (continuum). I got an email today for my termination, no prior talks of infractions with attendance, no warnings, no...
Reply
Sent on September 9th 2020 by Attorney Stephen Jessup
K. Potter, termination as in your employment was terminated or a disability claim was terminated? If your employment was terminated and you had not filed a claim for disab...
Unum

I've been trying to care care of my Unum benefits for over a year. They’ve been so rude

Reviewed by Tracey W. on August 30th 2020   Verified Policyholder
I have been trying to take care of my Unum benefits for over a year. I’ve called and back in November I did appeal letter, they say they never received. I did everything...
Reply
Sent on August 30th 2020 by Attorney Gregory Dell
Tracey, I am sorry to hear of your issues with Unum. We would love to learn more about your claim to see if we can get Unum to pay or if we can sue them with you. Please c...
New York Life

New York Life claiming they never got the forms I sent them

Reviewed by Aaron Z. on August 25th 2020   Verified Policyholder
New York Life is denying my extension for short term disability. They ask for medical records, I send them, then New York Life never claims they got them.
Reply
Sent on August 25th 2020 by Attorney Rachel Alters

Aaron, you should have the right to appeal the determination. During the appeal process you can send in all the records again. I would send them certified.