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 thinks they know how I feel inside my head

Reviewed by Craig W. on October 9th 2018   Verified Policyholder
I have been denied short-term disability by New York Life's health car insurance company. My case being a depression/anxiety claim that they received expressing that my do...
New York Life

This company needs to be sued for their unethical practices!

Reviewed by Sarah on October 9th 2018   Verified Policyholder
My complaint against New York Life is their unethical, fraudulent practices with claims. I received this letter from them. It is their standard letter to keep from paying ...
Principal

Principal will do anything not to pay

Reviewed by George on October 7th 2018   Verified Policyholder
Hello, I’m writing this on behalf of my wife. Her vision has degraded to the point that she no longer is able to see a pc screen without extreme headaches within a few m...
Reply
Sent on October 7th 2018 by Attorney Gregory Dell
George, it sounds like your wife is a victim to the very common 24-month denial. It is unfortunate that Principal will not accept the opinions of the numerous doctors who ...
Lincoln Financial

Lincoln Financial does nothing but give you hoops to jump through.

Reviewed by Tunila on October 5th 2018   Verified Policyholder
I recently applied for std thru Lincoln Financial. What a joke, nobody knows anything and all they do is keep asking for medical records that I don’t understand or know ...
Reply
Sent on October 5th 2018 by Attorney Stephen Jessup
Tunila, if you have questions regarding your policy or how we may be able to assist you in securing your disability benefits please feel free to contact our office to disc...
MetLife

MetLife is unresponsive to my emails but expects me to respond to theirs

Reviewed by Doug on September 16th 2018   Verified Policyholder
I have a disability policy through work. I have been receiving payments for the past 9 years. After the first two years I stopped seeing a physician as I suffer from multi...
Reply
Sent on September 16th 2018 by Attorney Gregory Dell

Doug, you should contact one of our attorneys as soon as possible to discuss your options.

New York Life

New York Life denied and said they needed more medical info … wow

Reviewed by Chloe on August 22nd 2018   Verified Policyholder
I was approved for STD by New York Life. It is alot of work, they are very slow etc… Now my STD ends in a few days and LTD called. Stated I was sent New York Life packet...
Reply
Sent on August 22nd 2018 by Attorney Gregory Dell
Chloe, I am sorry to hear all that you are going through and I am sorry to hear that New York Life denied your LTD claim. With all that you are describing, it seems benefi...
MetLife

If Metlife is using ridiculous stall tactics over $12.00, I can't imagine what they do over full price

Reviewed by Bryan on August 20th 2018   Verified Policyholder
Metlife requested a ridiculous amount of paperwork for both the STD and LTD claims. The STD was not too bad since it was paid thru my employer. Metlife used numerous stall...
Lincoln Financial

I've gotten nothing but the run around for over a month. Beyond frustrating and stressful!

Reviewed by Ryan on August 19th 2018   Verified Policyholder
I’ve Gotten Nothin’ But The Run Around For Over A Month From Them. Every Week They’re Requesting Additional Paperwork, Delaying My Claim. The Customer Service Reps A...
Reply
Sent on August 19th 2018 by Attorney Rachel Alters
Ryan, I am sorry to hear you are having trouble with Lincoln. This is typical. If you would like a free consultation with a lawyer you can call my office and ask for Rache...
MetLife

I feel that I was robbed

Reviewed by Cashena J. on August 15th 2018   Verified Policyholder
Waiting on disability, I filed a claim with met through One Main financial with MetLife. They told me when I first told them I had Lupus that I would be fine with the disa...
Reply
Sent on August 15th 2018 by Attorney Jay Symonds
Cashena, pre-existing condition claims are not always as simple and clear cut as the carrier tries to make them seem. There can be many factors that remove the claim out f...
Northwestern Mutual

Northwestern is the Quiet Company that silently screws its policy holders but is too big to fail

Reviewed by Magda S. on August 8th 2018   Verified Policyholder
I am a board certified cardiologist with severe diabetic comorbidities. I have had occupation specific DI policies with NML since 1980. I am now legally blind, have no fee...
Lincoln Financial

Lincoln Financial incorrectly cut my check and then unjustly denied my LTD claim.

Reviewed by Tom on August 2nd 2018   Verified Policyholder
My first contact with LF was a phone call from them when I was sold out by another insurer to them for a price. I pick up the phone one morning and am greeted by a true LM...
Reply
Sent on August 2nd 2018 by Attorney Rachel Alters
Tom, I am sorry to hear that. You will only have 180 days to appeal the denial. I would suggest you hire an attorney to help you with the appeal as you only have one oppor...
Unum

I only needed Unum once and to no aviail. I got denied

Reviewed by Monique G. on July 12th 2018   Verified Policyholder
I have had Unum for some years now. I only needed them once and to no avail. I was diagnosed with a goiter and on my second biopsy they found atypical cells so I scheduled...
Reply
Sent on July 12th 2018 by Attorney Gregory Dell
Monique, I am sorry to hear that your claim was denied. Please contact us and speak with one of our attorneys. We will offer a free consultation and will gladly review you...
New York Life

New York Life forces people to not follow their physician's orders

Reviewed by Elissa W on July 8th 2018   Verified Policyholder
I was in a car accident in March of 2018, and one my Physician’s took me off of work, while the other physician was handling my pain with narcotic pain medications. It i...
Reply
Sent on July 8th 2018 by Attorney Gregory Dell
Elissa, I am sorry to hear of the issues you are having with New York Life. New York Life should not be making you not follow your physicians’ orders and recommendations...
Lincoln Financial

Lincoln Financial Group follows no rules or policies.

Reviewed by Bob on May 7th 2018   Verified Policyholder
Lincoln Financial Group follows no rules or policies. They have denied me 3 times so far and each time the reason they say is why is disproven. First they tried to call it...
Reply
Sent on May 7th 2018 by Attorney Gregory Dell
Bob, I am sorry to hear of all your issues with Lincoln. If you would like a free consultation to review your claim for potential assistance with your lawsuit, please do n...
Lincoln Financial

Lincoln Financial continuously offsets my son's LTD benefits. It is upending his already difficult life.

Reviewed by Jerri on April 26th 2018   Verified Policyholder
My son was diagnosed with brain cancer in 2013. He is 41 years old. He has had 3 craniotomies. He has been on LTD thru Lincoln Financial since 2014. They required he file ...
Reply
Sent on April 26th 2018 by Attorney Cesar Gavidia
Jerri, I’m sorry to hear about your son. I also understand how emotionally and financially difficult it must be. Unfortunately, it does not appear that I have good news ...
Hartford

Hartford is the worst Insurance company I have ever dealt with

Reviewed by Lorene on April 22nd 2018   Verified Policyholder
Hartford is the worst Insurance company I have ever dealt with. This website proves it! Thank you Dell & Schaefer for putting this together. I filed LTD claim back in Sept...
Reply
Sent on April 22nd 2018 by Attorney Alex Palamara
Lorene, I am sorry to hear of your troubles with Hartford. Please contact us at once! We want to look into your claim and see if we can assist you. Regarding giving Hartfo...
Unum

Unum has no sympathy for disabled people!!

Reviewed by Craig M. on April 9th 2018   Verified Policyholder
Unum did not and says they’re not responsible for paying my FDIC tax portion of my LTD disbursements. Meaning to me your not required to pay (I’ve never not played my ...
Reply
Sent on April 9th 2018 by Attorney Cesar Gavidia
Craig, you should immediately contact a tax professional (ie. CPA or tax attorney) to discuss your options. The disability insurer is not your employer, and although they ...
Unum

Dealing with Unum made me depressed and want to give up

Reviewed by Renda on April 7th 2018   Verified Policyholder
I have UNUM LTD,. for years since a Environmentally Unsafe work place nearly killed me. Now, UNUM is pulling out all of their Un-Scrupled tactics, to get me off LTD. They ...
Reply
Sent on April 7th 2018 by Attorney Gregory Dell
Renda, what you are going through is very frustrating. On top of it all, you are disabled, so it is that much harder on you. We are very familiar with their tactics and we...
Unum

I don't know what to do because they keep telling me different things. It’s ridiculous

Reviewed by Elly W. on April 3rd 2018   Verified Policyholder
I am currently trying to get my unum disability to go through. I was off work from January 22,2018 to March 29,2018. They are giving me the run around saying one day that ...
New York Life

I don't understand how a company so big can be so hard to deal with

Reviewed by Troy on March 19th 2018   Verified Policyholder
My 27 year old daughter was diagnosed with stage 3 squamous cell carcinoma of the golltis. She is going to the Cleveland clinic 5 days a week for radiation. She is in the ...
Reply
Sent on March 19th 2018 by Attorney Stephen Jessup
Troy, there is no reason for the delay. New York Life has a statutorily mandated set period of time with which to make a decision on the claim, and it would appear that ha...