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.

Showing 101–120 of 687 Reviews
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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.

Principal

Sorry, Principal. My residual and renewal commissions aren't "earned"

Reviewed by Ron on August 24th 2020   Verified Policyholder
(CAPS are added by me for emphasis:) I am a self-employed insurance broker working only on commissions. I was disabled due to surgeries and received some income replacemen...
Reply
Sent on August 24th 2020 by Attorney Rachel Alters

Ron: You certainly can challenge Principal’s interpretation of the various provisions at issue through an appeal, if you have not already.

Prudential

I was sold a policy that I cannot use and no one will show me the policy

Reviewed by Jacqueline G. on August 18th 2020   Verified Policyholder
I had Prudential STD and LTD through my employer. I received my STD with no problem. Started receiving LTD for a while, then Prudential said I owed them because I receive ...
Reply
Sent on August 18th 2020 by Attorney Stephen Jessup
Jacqueline, in many cases a disability carrier cannot offset for SSDI benefits that were in place prior to the date of disability under the applicable policy. Your employe...
Sun Life

SunLife said if I don't apply for SSI they will lower my payments

Reviewed by Jeffrey R. on July 26th 2020   Verified Policyholder
Sun Life is trying to get me to apply for ssi. Have long term disability though them been on it for 9 months. Live in PA. Telling to apply or they are lowering my payments...
Reply
Sent on July 26th 2020 by Attorney Rachel Alters

Jeffrey, you are required under the policy to apply for Ssdi. If you don’t they will take an estimated offset and decrease you benefit by that amount.

Sun Life

I don't understand SunLife's overpayment letter

Reviewed by Gina L. on July 15th 2020   Verified Policyholder
My name is Gina and I have been collecting LTD from my previous employer through Sun Life for almost 2 years. I am currently easing back into the work force and I work a p...
Reply
Sent on July 15th 2020 by Attorney Rachel Alters

Gina: I suggest you contact our office and speak with one of the attorneys to discuss the specific questions you have. At that point you can send along the letter.

Reliance Standard

Reliance Standard cut off my LTD benefits claiming I'm fit enough to work even though I'm more sick than before.

Reviewed by Jeff S. on July 7th 2020   Verified Policyholder
It should be criminal that this company treats sick people like this who just want PTO be left alone! I received a call from Reliance on 7/6/20 cutting me off after 1 year...
Reply
Sent on July 7th 2020 by Attorney Stephen Jessup
Jeff, in my opinion Reliance Standard is one of the more difficult insurance companies to deal with. What you are experiencing they do day in, day out. You can certainly r...
Unum

I've paid for STD for 20+ years. Now, I'm actually sick and can't get paid

Reviewed by Natalie on June 29th 2020   Verified Policyholder
My employer uses unum for short-term disability. I was hospitalized back on june 13 and discharged on june 25. I was admitted for double pneumonia and hypoxia, which I end...
Reply
Sent on June 29th 2020 by Attorney Rachel Alters

Natalie, hopefully your claim will be approved. If they deny the STD claim then you will need to appeal the determination.

Reliance Standard

Reliance Standard notified me that my benefits were being stopped with no warning or reason.

Reviewed by Deborah S. on June 5th 2020   Verified Policyholder
Horrible company! Phoned me on June 4th to let me know that I would no longer be receiving benefits as of June 3rd. Just like that! No questions asked and no info given!
Reply
Sent on June 5th 2020 by Attorney Gregory Dell
Deborah, I am sorry to hear of the denial of your claim and how you were provided no notice of an immediate end of your income. Please contact us at once for a free consul...
MetLife

MetLife stopping my benefit plan. I'm still disabled

Reviewed by Teresa B. on June 1st 2020   Verified Policyholder
I experienced a macular tear in my right eye in Oct 2016 The other eye has been blind since childhood. I applied for LTD and got them. Now they say they are stopping the b...
Reply
Sent on June 1st 2020 by Attorney Rachel Alters

Teresa, if you need assistance with an appeal then please email your denial letter to rachel@diattorney.com and we can try to assist you.

Unum

Unum thought I was fine to work. I wasn't

Reviewed by Elizabeth L. on May 21st 2020   Verified Policyholder
48 yoa dentist POTs Dx aug 22. Attempted to return to work initially but got sick. Was going to go back 2 days/wk in September but could not. Then did go back part time as...
Reply
Sent on May 21st 2020 by Attorney Stephen Jessup

Elizabeth, please contact our office to discuss the denial of your claim and your rights to pursue legal action against Unum.

Aetna

Aetna STD has been a nightmare since the beginning

Reviewed by Michael S. on May 13th 2020   Verified Policyholder
I had surgery on 2/27/2020. Aetna STD has been a nightmare since the beginning. Total mismanagement of everything. I have never been paid consistently & have had to manage...
Reply
Sent on May 13th 2020 by Attorney Jay Symonds
Michael: Generally speaking Hartford now manages the Aetna claims. The timing of STD claims is difficult because the benefit is a week to week benefit but the medical info...
New York Life

My doctor signed paperwork and they still denied my pregnancy claim

Reviewed by Macii on May 11th 2020   Verified Policyholder
I was denied my claim for short term disability regarding my claim. My first pregnancy was premature. This is my second pregnancy I am filing for and I was denied because ...
Reply
Sent on May 11th 2020 by Attorney Cesar Gavidia
Macii, you should review your denial letters to see what options are available for you to challenge the disability insurers decision. You should be given the option to app...
Lincoln Financial

They promised me min 10% of my salary and max 60%. I got 6%

Reviewed by Alvaro D. on May 7th 2020   Verified Policyholder
Lincoln financial insurance payed me around $60 a week, wich is about 6% of my salary, for my short term disability. I asked for documents showing how they came out with t...
Reply
Sent on May 7th 2020 by Attorney Gregory Dell
Alvaro, we can gladly look into this issue for you. Please gather the disability policy and contact us for a free consultation. We will request a copy of the policy and an...
Hartford

Hartford never paid me

Reviewed by Nanette M. on April 26th 2020   Verified Policyholder
I went on disability March 25, 2019 until Dec. 23, 2019 from my job FedEx. The Hartford insurance company didn’t pay me my disability check after the end of July. I appe...
Reply
Sent on April 26th 2020 by Attorney Gregory Dell
Nanette, we are sorry to hear that your claim for benefits for the period of July through December was denied. Please feel free to contact us for a free consultation....
Guardian

Guardian not being flexible during Covid

Reviewed by Robert W. on April 13th 2020   Verified Policyholder
Guardian denied my LTD due to doctor’s office not sending medical records quickly due to office closed because of Corona virus. There was nothing that I could do to get ...
Reply
Sent on April 13th 2020 by Attorney Gregory Dell
Robert, this is very unfortunate and sad to hear. You would think that Guardian might understand that the great majority of the country is “shut down” and getting docu...