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 121–140 of 687 Reviews
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Hartford

Hartford rep felt so guilty over how the company treated me that she quit

Reviewed by Delton on April 8th 2020   Verified Policyholder
It’s been since 1998 but they really screwed me over big time and caused my family and I much distress ~ first they required me to go to a psychiatric doctor before they...
Reply
Sent on April 8th 2020 by Attorney Rachel Alters
Delton, I’m sorry to hear about the experience you had with Hartford. Unfortunately since your claim dates back to 1998 it would be too late to file suit as the statute ...
Prudential

Prudential verbally approved my claim and then sent me a denial letter

Reviewed by Jacquieline C. on April 3rd 2020   Verified Policyholder
I have been denied twice from Prudential for my LTD case. Back injury 2009 – knee injury 2011. Back doctor took me out of work (July 2018) due to me working 35 hrs per w...
Reply
Sent on April 3rd 2020 by Attorney Jay Symonds
Jacqueline: Sounds like you have a pretty complex medical situation. And the fact that they verbally approved your claim over the phone then sent a denial letter is unusua...
Guardian

Guardian thinks people with lupus miraculously recover

Reviewed by Virginia Z on March 20th 2020   Verified Policyholder
I became disabled in 2018 (Lupus and Sjogren’s). I’m 54 and I worked over 30 years (for the government) before I became disabled. I received Guardian STD and then LTD ...
Reply
Sent on March 20th 2020 by Attorney Jay Symonds
Virginia: This is a very unfortunate situation they’ve put you in. You should request in writing an extension of time to submit the information and documentation. You sh...
Hartford

Hartford ajuster won't return my calls. I might have to move back to California

Reviewed by Jesse on March 17th 2020   Verified Policyholder
I was awarded medical for life, for my back injuries at work by the court of Los Angeles in California years ago. I moved to Colorado two years ago and for the past few mo...
Lincoln Financial

Lincoln Financial pressured me to return to work amid the pandemic

Reviewed by David M. on March 16th 2020   Verified Policyholder
I went in for sinus issues and constant sinus infections. Due to concerns for healing, upper respiratory infections, growing concerns about what is now the covid-19. My do...
MetLife

MetLife forgot that women can't lift 20 pounds while pregnant

Reviewed by Sandra M. on March 10th 2020   Verified Policyholder
My short term leave was denied. I was pregnant and was not able to perform my job correctly. They denied me because I wasn’t lifting 20 pounds at work.
Reply
Sent on March 10th 2020 by Attorney Rachel Alters

Sandra, you need to have your doctor put in writing what your restrictions are other than lifting.

Aetna

Aetna leaves me at risk of losing my job and without compension

Reviewed by Amber P. on March 6th 2020   Verified Policyholder
I applied for STD 2/24/2020 for eye surgery. Documents were submitted. Aetna noted they contacted the doctor and needed the APS form; already was submitted. So, the dr sub...
Lincoln Financial

Do not use this terrible, unethical company. My daughted died waiting for their claim.

Reviewed by Wanda F. on March 4th 2020   Verified Policyholder
My daughter worked for Barneys of New York and enrolled into Lincoln Financial Group LFG Critical Care plan through her employer. She died waiting for her claim. Her siste...
Reply
Sent on March 4th 2020 by Attorney Gregory Dell
Wanda, I am deeply sorry to hear of your loss. We can only imagine what you have been going through and we are sorry to hear how Lincoln has treated you. We are more than ...
Reliance Standard

I was receiving LTD from Reliance Standard due to breast cancer until they suddenly denied me my benefits.

Reviewed by Mary Anne B. on March 3rd 2020   Verified Policyholder
I was diagnosed stage 2 breast cancer June 2015 and went out on std with Reliance. Within 4 months following my status changed to stage 4 with Mets to my spine. STD conver...
Reply
Sent on March 3rd 2020 by Attorney Stephen Jessup
Mary Anne, your recourse would be to go through the administrative appeal process and if that is denied to file lawsuit. Please contact our office to discuss the denial of...
Hartford

Hartford keeps saying they haven’t gotten my paperwork

Reviewed by David C. on March 3rd 2020   Verified Policyholder
I have a short term disability claim through the Hartford through my job. I was approved to go back to work on March 9th. The Hartford keeps telling me they did not get my...
Reply
Sent on March 3rd 2020 by Attorney Stephen Jessup
David, I would recommend you try to get a fax confirmation from your doctor, or better yet secure the information needed from your doctor and send to them. I have seen a d...
MetLife

MetLife received all my medical records but still denied my claim

Reviewed by Demetria on February 27th 2020   Verified Policyholder
I was approved for STD that ended November 2019. I filed for LTD sone afterwards due nerve damage in my right knee as a result of a total knee replacement in 2017. I fell ...
Reply
Sent on February 27th 2020 by Attorney Rachel Alters

Demetria, I’m sorry to hear that. Please e-mail us your denial and I would be happy to speak with you about the appeals process.

Hartford

Hartford has denying claims down to an artform

Reviewed by Judy P. on February 26th 2020   Verified Policyholder
I have been denied by the Hartford for LTD through my company. I can already tell they have this down to an artform.
Reply
Sent on February 26th 2020 by Attorney Jay Symonds
Judy: If this is the first denial you have the right to file an appeal but the deadline is time sensitive. Unless you plan to file your own appeal, I suggest you contact o...
Hartford

I'm going bankrupt after Hartford rejected all my medical tests/records

Reviewed by JNC on February 26th 2020   Verified Policyholder
In January, I collapsed in a cross walk while crossing the street. I sustained injuries to my left knee and spine and have been chronic testing to determine the cause of m...
Reply
Sent on February 26th 2020 by Attorney Jay Symonds
JNC: I suggest you contact our office and speak with one of the attorneys to address the specific questions you have regarding your situation as well as your options on ap...
Sun Life

SunLife screwed me one week after a C-section

Reviewed by Anna K. on February 17th 2020   Verified Policyholder
On maternity leave after cesarean section and told after my 1 week of wait time that I was only qualified for 7 weeks of short term pay. I understand waiting 1 week before...
Reply
Sent on February 17th 2020 by Attorney Cesar Gavidia
Anna, you should appeal the decision made by the short-term disability insurer. Your denial of benefits letter should explain the timeframe in which you have to appeal and...
Hartford

Hartford Insurance Company is a bunch of unpassionate people

Reviewed by Daniel B. on February 15th 2020   Verified Policyholder
Why is the Hartford Insurance Company a bunch of unpassionate people?
New York Life

I'm using my off time off when it should be under my New York Life short term disability

Reviewed by Tom M. on February 11th 2020   Verified Policyholder
New York Life is preparing to deny my continuance of a short term disability claim. I had surgery in December and at the 6 week review the doctor said I should stay off wo...
Reply
Sent on February 11th 2020 by Attorney Stephen Jessup
Tom, New York Life will have to (if they haven’t already) send you a detailed letter explaining the denial and your rights to appeal same. The majority of short term dis...
New York Life

So appalled and frustrated with how New york Life is allowed to get away with this!

Reviewed by Linda M. on February 6th 2020   Verified Policyholder
Another one of New York Life’s STD denial numbers! So appalled and frustrated with how they are allowed to get away with it! Big business always wins! I hope you keep fi...
Sun Life

SunLife took away my husband's VA Disability payment

Reviewed by Karen H on February 6th 2020   Verified Policyholder
My husband who has ALS a terminal illness, was receiving LTD benefits from Sun Life Financial until they offset his VA Disability payment. The disability he receives is du...
Reply
Sent on February 6th 2020 by Attorney Jay Symonds
Karen, typically group polices do allow the carrier to offset for specific types of “other income.” What constitutes “other income” is defined by the Policy. In so...
Sun Life

My fiance wants to lie to his doctor so he can go back to work because we can't live off of SunLife

Reviewed by Lauri M. on February 6th 2020   Verified Policyholder
My Fiance went out of work on 12/26/2020 from a heart attack. We was suppose to receive a check after the first 8 days. We have stressed to the limit. We have sent all pap...
Reply
Sent on February 6th 2020 by Attorney Cesar Gavidia
Lauri, your fiancé should not lie to their doctor in order to be released back to work before he has fully recovered. He should contact his short-term disability insurer ...
Unum

Unum has made me feel like a criminal

Reviewed by Kevin on February 6th 2020   Verified Policyholder
Hi, I am currently receiving LTD from UNUM. I used to work as a Radiologist Tech at Vanderbilt Medical Center in Nashville, TN. for about 10 years. Than I started having g...
Reply
Sent on February 6th 2020 by Attorney Gregory Dell
Kevin, I am sorry to hear all that you are going through and the stress this is causing you. The policy governing your claim likely does allow Unum to conduct an in-person...