• Jackson National Disability Insurance Claim Help Video
  • Reassure America Disability Insurance Claims, Benefit Denials & Lawsuits

Reassure / Jackson

On December 31, 2012 Reassure America Life Insurance Company (Reassure) was acquired by and merged into Jackson National Life Insurance Company (Jackson). All long term disability insurance and life insurance formerly handled by Reassure will now be handled by Jackson. Throughout 2013 Jackson National Life sent notice to all Reassure disability policy holders advising of the new ownership. It is unusual that Jackson National Life purchased Reassure, as Jackson has little to no experience in the disability insurance business. It is likely that the employees of Reassure will continue to manage and administer the long term disability insurance claims for Jackson. The merger between Jackson and Reassure should not have a negative affect on any Reassure policy holders. Jackson does not have a track record of handling disability insurance claims so we will need to see what happens over the next few years.

Disability claimants are often seeking information regarding Reassure America long term disability reviews. We have created a forum where insurers can post reviews and comments about Reassure America short term and long term disability claims. Our attorneys respond to most comments posted by our visitors.

As disability insurance attorneys, Dell & Schaefer have represented numerous clients with their long-term disability claims against Reassure America and its affiliated companies. Disability Attorneys Dell & Schaefer have provided and offer the following legal services for disability claimants that have a long-term disability insurance policy or disability income policy purchased from Reassure America:

Call us for a free consultation to discuss your claim for disability benefits with Jackson National Life Insurance Company.

Cases & Claim Tips (2)

Comments (74)

  • I have disability insurance with Reassurance/Jackson. I have been off work now for about 5 months. Just realized that I have disability insurance. I’ve filled out the claim forms and they tell me that I can only get half of my pay off money because I didn’t file within 90 days of my accident. But I don’t have that in writing. I’ve been with this company since 1990. What can I do to collect my payment?

    Jan Nov 11, 2021  #74

  • Glenn, we would want to see your policy to determine how work activity will be assessed – whether it’s through work incentive language, or simply a factor of the definition of total disability or residual disability. The inquiry by the carrier for tax/work/income information is more than likely to determine if benefits were overpaid and they have the right to re-collect benefits paid. Please contact our office to discuss your situation in greater detail.

    Stephen Jessup Jul 13, 2021  #73

  • I have been on total disability with benefits being paid through Jackson National Life. During the pandemic, our local rural hospital was very short handed and asked me to help out a little. I am a gastroenterologist. I worked about 15 days in 2020 doing gi call and saw maybe 25 patients and collected about $13,000. In 2021 through the end of March I worked about 15 days, saw about 25 patients and maybe collected $15,000. I didn’t think this was a big deal because they seemed to only use income to determine I was totally disabled. During their routine supplemental activity questionere I awnsered truthfully that I worked a little. Now they want tax returns, office billing and all sorts of stuff. I kind of freaked out that they are going to try and end my benefits. Should I send them everything or sort this out on the front end?

    Glenn N. Jul 13, 2021  #72

  • Michael, there could potentially be issues as the insurance company always wants continued Proof of your claim. However, there are various factors that need to be taken into account such as your conditions, whether you did any telemedicine visits, whether your conditions have an expectation of improvement, etc. We are more than happy to speak with you further to get more insight into your situation. Please contact us at your convenience and we can answer your question more specifically.

    Alex Palamara Mar 5, 2021  #71

  • HI. I am a former disability (Social Security) attorney now receiving benefits from ReAssure etc. I think I met one of you at a NOSSCR convention a number of years ago. They have sent me a request for an update on my claim but due to the pandemic, I have not seen any of my doctors in person for the past year as I do not want to risk going into a medical office. Can I anticipate any problems? Thanks.

    Michael W. Mar 5, 2021  #70

  • Paul, please contact our office for a free consultation, to include a review of your policy.

    Stephen Jessup Oct 19, 2020  #69

  • I would like to talk to someone about my policy.

    Paul S. Oct 19, 2020  #68

  • Michelle, what type of Policy is it? I assume it’s a Life Insurance Policy. I suggest you contact our office and speak with one of the attorneys to address your specific questions regarding your situation.

    Jay Symonds Sep 6, 2018  #67

  • I have had to step-in to help my mother these past few months. I just found a policy valued over 100,000 as of May 2002. What happens to this? Who do I contact?

    Michelle Sep 5, 2018  #66

  • Jerry, in order to get such information you will need to speak with the actual Insurance Company. We are a law firm that assists people with disability insurance claims.

    Alex Palamara Aug 23, 2018  #65

  • I need to know what the premium would be for a year. Trying to work out a plan that the premium would be lowed. I got this program in may 1988. Times are harder now that they were then. I don’t want to lower the value. Gosh I have paid on all this years.
    We thing we might could handle a once a year premium. Really don’t know.

    Jerry Aug 22, 2018  #64

  • Jill, was the policy purchased through an agent? If so, I would first attempt to speak with him/her as to same.

    Stephen Jessup Aug 21, 2018  #63

  • My father had a life insurance policy through Reassure, which then got changed over to Jackson Mutual in 2014. My father just passed away, and I am trying to help my mother with paperwork. Jackson National has no paperwork with a beneficiary listed. They suggested getting the original policy/application. How do I do that?

    Jill N. Aug 20, 2018  #62

  • Ms. Kathy, you will need to reach out to Reassure directly in order to get a copy of your insurance policy.

    Alex Palamara Jun 14, 2018  #61

  • I have had an insurance policy with Reassure for years and would like a copy of the policy for my records. Not sure how to naviagate your websites. I have an auto pay with a ins # posted that is ***. Can you help me. Kathleen C.

    Kathy C. Jun 13, 2018  #60

  • Jackson National needs to get their crap together. We need a number to call for the life insurance company and a website to go to. The Customer service Reps need to be trained, like the one I did talk to, to ask what company the policy is with. Are you talking about a financial policy or an insurance policy…my husband call to get a copy of his insurance policy and they mailed him investment information on his invested funds. This is ridiculous. i can’t find a frickin website, I just need to change my da%m bank account information. What the heck! SUPER IRRITATED WITH THIS COMPANY AND THE WAY THE CALL CENTERS ARE SET UP, I SHOULD NOT HAVE TO TALK TO 3 PEOPLE JUST TO GET A DA%M CHANGE FORM. I think I am going to look into transferring my policy. I have enough crap going on I don’t need crap from a insurance company.

    JENNY May 17, 2018  #59

  • Edwin – on December 31, 2012 Reassure America Life Insurance Company (Reassure) was acquired by and merged into Jackson National Life Insurance Company (Jackson). All long term disability insurance and life insurance formerly handled by Reassure will now be handled by Jackson. You should try contacting Jackson National.

    Jay Symonds May 1, 2018  #58

  • Hello. I retired in the military and was moving all throughout due to change of duty stations. In the process, I did not receive anymore correspondence from Reassure America up to now. Theonly sured with them is the continuous drawing of premium payments by Reassure America from my checking account every month. My estimate that I became insured with them was in 1995 +/- 2 years. I tried to contact them by all means with no success. My policy’s appears from my bank statement as Reassure America POL PREM 55., and I am not even sure what the number means anymore. How can I resolve this problem with them? Thank you very much.

    Edwin Apr 30, 2018  #57

  • GMMP, you can complain to your state’s insurance commissioner. I would also suggest you try setting up a direct deposit so the funds do not run the risk of being late (or at the least as late as they have been).

    Stephen Jessup Jan 26, 2018  #56

  • I am disabled for approximately 20 years. I have two policies and I receive a monthly check for each one. My problem is that since Jackson National Life acquired Reassure they are late in sending one or another check. Right now I’m supposed to arrive before the 12th of each month and it’s January 25th and it has not arrived. I have called them 3 times and they tell me they canceled the check and they sent another one. . Something that can be done about it or done can a complaint be made? Thanks

    GMMP Jan 25, 2018  #55

  • Iabdny, unfortunately, we only have a PO Box address as well. Who was the original insurance carrier – that may allow us to narrow it down for you as well.

    Stephen Jessup Dec 30, 2017  #54

  • Does your firm have an address and phone number for the Reassure America Life Insurance company? Maybe a website? Any correspondence I’ve received from them just has a Dallas TX PO box# and googling doesn’t help. Since 1986 I have faithfully paid premiums on a disability policy that is now owned by Reassure. I am trying to get policy details and procedures. Thanks for your help.

    Iabdny Dec 29, 2017  #53

  • Queenie, every policy will have a schedule of premiums to be paid over the course of the policy. You will need to refer to that to determine how the premium increases occur. I know you have been attempting to get a copy of the policy from Reassure, but beyond that I would not be able to provide any additional insight without knowing what the schedule says.

    Stephen Jessup Nov 17, 2017  #52

  • I have paid on a term Life insurance policy with Reassure America Life at $45.00 a month for twenty years. I got a letter in the mail stating that my policy was all paid up and the next premium will cost $177.00 per month. I called the company and asked why the premium jumped from $45.00 a month to $177.00 per month. The agent said because you are all paid up. I said, well if it is all paid up, why am I receiving a bill for 3 and half the cost of my original premium. Instead of getting an answer, the agent said well I know what you can do. You can convert your term life into a whole life policy and I can mail you the paperwork. I said what is that going to cost, and he said I cant talk to you about that on the phone right now. I got the papers in the mail.

    I dont know what is going on here but all stinks to me. I have asked Reassure for a copy of my policy twice during the course of the years and have not yet received a copy of the policy to read what is in the guidelines.

    Somebody talk to me how to deal with this issue. I have a beneficiary and this is my burial policy?

    Queenie Nov 16, 2017  #51

  • Ronald, I am not sure what complaints you are speaking of, but we are a law firm that represents insureds against insurance companies to secure disability insurance benefits. We do not represent insurance companies, nor are we affiliated with any insurance company. If you have a complaint to lodge with Jackson this would not be the proper site. As you indicate you have an attorney I would refer you back to your attorney as it relates to any assistance.

    Stephen Jessup Oct 4, 2017  #50

  • I’m really tired of writing complaints I wrote 2 which would not be posted. I bought a life policy in 1986 and after several changes I wound up with Jackson which dropped me on june 2 2017 but kept sending me bills which I paid. When I got the letter I was terminated, I wanted my 2 payments. They told me that was my grace period but said nothing about that on my termination paper.

    I took papers to my lawyer and he told me they considered me a high risk and would do anything to drop me. I couldn’t afford to pay 3 payments ahead but I always payed my payments on time. I called and ask someone there about the accumulated value they said I had to pay and was told as long as I paid each month I would be ok. Every year I called in and ask how much I need to pay that next year and was told but they said I was not paying enuff and they would reinstate me but I had to fill out 8 papers which included dr reports etc. and my monthly payment would be out of this world so they knew I would never do it. So the thousands and thousands I paid was gone. I am presently writing to the insurance commission.

    Ronald A. Oct 2, 2017  #49

  • All crooks. My Mom’s life insurance policy started with Guarantee Reserve, then Reassure America, and ended up with Jackson. I requested and received my Mom’s original application but not the policy. First of all. when requesting the policy, who only sends the application? The amount of coverage on my Mom’s application is not in her writing. Further, it shows my Mom paid regular premiums. However, for some strange reason that my mom’s policy was paid in full but Reassure sent a letter statig the premiums would be taken out of policy. …but you uave record of her paying all her premiums until she was paid at maximum….sounds like a scam to me. She passed away and me and y brother (beneficiaries) got roughly $87 from a $2000 policy. My Mom was 69 and if age to receive her full benefit. Only, the company has changed hands and as I said, the amount written is not in my Mom’s handwriting on the application. I am referring this to the Ohio Attorney General’s Office and FTC.

    Mary Jun 2, 2017  #48

  • Lynn, please feel free to contact our office if you are interested in legal assistance in filing your claim.

    Stephen Jessup Jan 24, 2017  #47

  • I have a disability policy that I’m not sure where to go to make a claim. It has been bought out so many times, it difficult to keep track. Reassure America deducts the money from my checking account each month. Please provide me with any opinformation you may have. Based on this article you have purchased Reassure America.

    Lynn L. Jan 21, 2017  #46

  • I too have a life policy (second to die) which was purchased at CNA then moved onward through several companies to Jackson now. There are some communications problems because our daughter is the owner of the policy and the information goes to her. My suspicions were immediately raised when I found out Jackson, who also responds under the Reassurance name, had billed her for premiums that were about 15 % higher than they should have been. There are no provisions for increases. I also asked my daughter to get an illustration in force using dividends to pay the premiums. What she received sounds like a cockamamie document. For example it shows premiums being paid each year and uses an expected return of 6.6%. I am going to go over this with the agent who originally sold me the policy. My only advice is to BEWARE OF JACKSON OR REASSURANCE. If you have a policy, watch them like a hawk and don’t purchase anything from them. There are lots more reliable companies out there.

    Herb R. Sep 6, 2016  #45

  • J.R., if your Jackson policy is a pure individual disability product you would be able to collect under both as employer provided policies do not offset for private policies- meaning you can stack the benefit. Additionally, you have a great deal more legal rights under a private policy than an employer provided policy.

    Stephen Jessup Apr 26, 2016  #44

  • B Botzer, ff reassure does formally deny the claim please feel free to contact our office to discuss how we may be able to assist you.

    Stephen Jessup Apr 25, 2016  #43

  • I have two disability policies. One thru Jackson and the other thru work. If I become disabled will they both pay?
    I don’t know if it is worthwhile to keep my Jackson policy.

    J.R. Apr 22, 2016  #42

  • I have a life insurance policy that was issued by Reassure and now managed by Jackson. My mother passed away so I filed a claim. They keep coming up with reasons saying I am not the beneficiary while I have a form signed, dated, and notarized of the change in 2010. I asked for a copy of the policy and they never mailed it to me. They keep changing the fax# and address for me to send my supporting documents. Each day they say they never received my fax. It is not a large policy but I could pay myself back for pay for my mothers funeral. I filed a complaint today with the insurance board in Texas with all my documents. Hopefully that will open their eyes that I am going to pursue my claim. I will go to social media if I have to and post what a bad company that they are to do business with. It should not be this difficult to get the money that you expected at the time of a death.

    B Botzer Apr 19, 2016  #41

  • Michael, claims are much harder to establish if you are unemployed and it was not due to a disabling medical condition. Every policy will have different standards and protocols, so without seeing the policy we would not be able to necessarily advise if you would still be able to make a plausible claim under your fact pattern.

    Stephen Jessup Apr 19, 2016  #40

  • At age 37 I purchased a “Total and Residual Disability Income Policy” from Royal Maccabees Life Insurance Company (ultimately acquired by Jackson National.) I am now 62 and nearing retirement. Once I am no longer working, is there any reason to continue to pay premiums? If I am not working by choice when a disability strikes, there is no salary to replace. For that matter, what happens if a person becomes disabled during a period of unemployment? Can an insured but unemployed person file a claim? Thank you.

    Michael B. Apr 15, 2016  #39

  • Art, thank you for sharing this information.

    Stephen Jessup Apr 6, 2016  #38

  • Yes Jackson national/Reassure America is a treat to do business with. I am a licensed agent and have been for many years. I have dealt with many of the companies that they purchased. Since Jackson National has purchase them it has gotten progressively worse. They have one customer service person named Carrie not sure spelling of her first name but if you get her hang up, she is bad news. Now my problem is in servicing these old policies many policies were purchased on children by grand parents and the agent never added contingent owners so when they died the policy could transfer without probate. Been adding them for years now they say nope these policy won’t let you do that. How do they know they weren’t around at the time. Some attorney probably said hey you don’t have to do that if you don’t wish to. Add a joint owner doesn’t elevate it either because they say each owner owns 50%. You would think you could set it up or. But no it has to say and only. By the way there real 800 hundred number is 800 637 4475.

    Art Apr 4, 2016  #37

  • Rob, your best bet would be to contact the company directly to advise them.

    Stephen Jessup Mar 22, 2016  #36

  • I have Reassure disability insurance that i purchased along with a life insurance policy (now owned by Lincoln National) in 1989. I will be retiring soon at age 62 and wish to discontinue paying the disability premium (or have disability coverage) any more. How do I go about doing that?

    Rob B. Mar 20, 2016  #35

  • I have a disability policy I bought through Prudential about 25 years ago. Reassure America bought these policies, for which the premiums are still being debited from my account as Reassure America. I am currently disabled and have no way of contacting anyone to obtain claim forms. After reading about all this people that are getting screwed over, I doubt I will ever collect what is due to me. Anyone have a phone number/contact so I can request a claim form?

    Linny JB Dec 14, 2015  #34

  • Attempting to get in touch with Jackson is a long process which yields no assistance for an individual who purchased a policy with Reassure of America. Very time we contact them, they state that they do not have a policy with the number provided by us. We, recently, attempted to cancel the direct pay that is scheduled with Reassure or Jackson and to no avail. My mother is 93 and wishes no longer to have this policy. Can anyone tell me how to get Reassure or Jackson to acknowledge the policy and cancel direct pay.

    Good luck to anyone having a policy with Reassure or Jackson.

    Rita S. Dec 13, 2015  #33

  • Elizabeth,

    We would need to see the documentation to determine what we could possible do to help. Please feel free to contact our office to discuss with one of our attorneys.

    Stephen Jessup Dec 8, 2015  #32

  • Mr Jessup,
    Thank you for responding. They are both cancer policies, one through NTA and the other through Jackson/Reassure America. I have been trying for almost 2 years to get her help and Jackson says they are ‘still reviewing’ and NTA said they did not receive any receipts for bills she has paid, which is not listed anywhere on their claim form as being needed, it only asked for medical info and diagnosis. She is now on Hospice and the NTA policy states it pays for hospice for the 1st 60 days, but they have not asked about that at all, nor do I know how to advise them. Do you think I need to retain an attorney to help?
    Thank you again for you response.

    Elizabeth W. Dec 7, 2015  #31

  • Elizabeth,

    What type of policy are you referring to?

    Stephen Jessup Dec 7, 2015  #30

  • My 81 year old mother has breast cancer that metastasized to her bones and lung. I have submitted 3 claim forms and her medical records from the hospital and they still have refused to pay anything to her. She has been paying on this policy for over 20 years. When I submitted the first claim she was still walking and that was just over a year ago. Now she is bedridden with a fractured collar bone, left arm and left hip – all from the bone cancer. She is living with me and on hospice and THEY STILL REFUSE TO PAY HER ANYTHING!

    How can this be? How can these companies who take money for years be so heartless when the time comes that the insurance would help pay for their care and they just don’t pay.

    I’m so sick of trying to get help with all of this, just not right. I truly believe I need a lawyer to help fight to get what she has been paying for, I cannot do it on my own.

    Elizabeth W. Dec 6, 2015  #29

  • Keith,

    The mailing address that we have is Jackson National Life Insurance Company, P.O. Box 600 Southfield, MI 48037. You can attempt to contact.

    Stephen Jessup Oct 14, 2015  #28

  • I had a disability policy with Lone Star Insurance years ago and I believe that Reassure purchased them. Every month on the 3rd of the month I have $16.05 taken out from my checking account by Reassure. The only numbers that I was able to trace was # 6060839702 and ID # D00901157. I believe that is the company ID number but I’m not sure. Several weeks ago I also sent an email on the Jackson Insurance website connected with Reassure but got no response. I had a medical condition that had me out of work for two months but didn’t know who to make a claim to.

    Please send me response on who to contact.
    Keith F.

    Keith F. Oct 13, 2015  #27

  • Dennis,

    Please feel free to contact our office to discuss your situation. There may be little that can be done now that the policy is no longer in force, but we would certainly be willing to discuss with you.

    Stephen Jessup Jun 6, 2015  #26

  • Don’t know what to do, here is my plight! 1990 had Integon life insurance for my family, then it was changed to Southwestern Life Ins. also in 1990. Then it was changed to Security Life and Trust Co. 1999 The Valley Forge Ins. then Reassure American Life Ins. then Jackson Life Insurance, each time my premiums going up. We got this insurance at a young age because the rates were affordable, been sending money to Jackson every year. July 12 615.44 they keep saying I don’t have enough sufficient funds, I have it on bank draft, so they kept asking for more money and kept raising my premiums, Feb 26 2015 they received a notice of policy grace periodand wanted 697.73 cents. Plus raised my premiums to 274.00 a month, so today march 12th I cancelled my bank draft and asked about my cash value and the answer was it shows negative, so they took the money out of the cash value to pay the premiums, so why do they keep sending these notices. So now I am 75 years old with a wife and daughter with cancelled insurance, I bought that insurance when my daughter was 10 years old, she is 46 now. Had this insurance many years. Nothing I guess anyone can do. See ya from a retired military and pissed off Marine.

    This is the same thing that happen to me / Whole life policy since 1991

    Dennis Please call me.

    Dennis H Jun 5, 2015  #25

  • Tim,

    Thank you for your kind endorsement.

    Stephen Jessup May 14, 2015  #24

  • I have a spouse who worked for a major disability carrier. I do not know the attorneys on this website but from what I learned I would recommend the services of lawyers like these to assist you. Disability insurers wrote Individual Disability insurance and sold it to healthy selfemployed professionals in their prime. Now as these policyholders age and rightfully want to draw on benefits theyre eligible for doe to accident or sickness these companies are seeing huge losses from poor forecasting and planning. Individual Disability Income protection is seen as a loser and thats why it continually gets resold and policies are never renewed unless they are term. If you happen to own a non cancellable own occupation lifetime policy the companies would love for you to miss your grace period and lapse u. Also, when you make a claim be prepared for a veiled bad faith settelment offer that involves you forfeiting your policy also. its wrong to collect premium$ for many years and because of the industrys own poor planning refuse to pay honest claims in an aging population.

    Tim May 13, 2015  #23

  • Bill,

    Was it a lifetime policy or a term policy? Please feel free to contact our office to discuss if there are any options available to you. We would need to see a copy of the actual policy to determine if what they did was correct.

    Stephen Jessup Mar 13, 2015  #22

  • Don’t know what to do, here is my plight! 1990 had Integon life insurance for my family, then it was changed to Southwestern Life Ins. also in 1990. Then it was changed to Security Life and Trust Co. 1999 The Valley Forge Ins. then Reassure American Life Ins. then Jackson Life Insurance, each time my premiums going up. We got this insurance at a young age because the rates were affordable, been sending money to Jackson every year. July 12 615.44 they keep saying I don’t have enough sufficient funds, I have it on bank draft, so they kept asking for more money and kept raising my premiums, Feb 26 2015 they received a notice of policy grace periodand wanted 697.73 cents. Plus raised my premiums to 274.00 a month, so today march 12th I cancelled my bank draft and asked about my cash value and the answer was it shows negative, so they took the money out of the cash value to pay the premiums, so why do they keep sending these notices. So now I am 75 years old with a wife and daughter with cancelled insurance, I bought that insurance when my daughter was 10 years old, she is 46 now. Had this insurance many years. Nothing I guess anyone can do. See ya from a retired military and pissed off Marine. Enjoy my money Madoff and kiss my ass.

    Bill Hough Mar 12, 2015  #21

  • Maureen,

    I would certainly obtain all crucial contact information for whoever is now obligated to pay the benefit. You are always free to explore coverage from other insurance companies.

    Stephen Jessup Oct 9, 2014  #20

  • I too am now being charged by Jackson National instead of Reassure America which, when purchased was a CNA policy. After paying for this policy for over 12 years I am concerned if anything would happen. Loss of life. My beneficiaries would not have a clue how to get the insurance money. When we moved, the insurance agent who sold us the policy avoided the question and just wanted to sell us something else. The question is, while I am still healthy do I try a different company (who is trustworthy?) or do I trust whoever is owner of my policy to pay?

    Maureen Oct 8, 2014  #19

  • Adora,

    You will need to contact your insurance company to determine what your premiums will be when you reach 65.

    Stephen Jessup Aug 14, 2014  #18

  • I will be 60 years old next year and I debit my account every month. I got my policy when I am 46 years old. My question is, are they going to raise my premium when I reach 65 years old?

    Please find time to email me back and I will appreciate it.

    As I look at my account this month it’s Jackson Insurance, I never get any statement that they emerged in this new company. Please explain too.

    Adora T. Cox Aug 13, 2014  #17

  • Gerrit,

    I would be cautious to say any insurance company is a rip off, as the facts and circumstances surrounding any claim for benefits is unique to the individual/situation.

    Stephen Jessup Jul 7, 2014  #16

  • Hi, my wife and I have a term policy with Reassure America. It used to be with Midland Life. Hearing some mixed reports about Reassure have had this policy for over 25 years. What I guess I’m trying to say is, are they rip-offs?

    Gerrit Troisi Jul 6, 2014  #15

  • I am sorry Elaine, but I am not able to answer your question. If you have coverage with Reassure America, I would suggest you contact them directly to discuss your husband’s coverage.

    Stephen Jessup May 17, 2014  #14

  • Will my husband be covered when he enters dementia facility soon?

    Elaine Teel May 16, 2014  #13

  • Bill,

    With respect to a class action lawsuit, I am not sure what would be the basis to sustain same. Normally the company will have to provide you with notice of premium schedule. Often, premiums can increase substantially as the age of the insured goes up.

    Stephen Jessup Jan 23, 2014  #12

  • I agree with Mr. Vietze, above! My wife and I started in 2002 with Valley Forge(CNA), then Reassure America, and now Jackson. Our agent was USAA (Life General Agency). Talk about kick the can down the road! The twists and turns of this industry will challenge any audit skills the State Insurance Commissions might possess. We just received an 80% increase in premium for the coming year. It is quite apparent, from the sudden 80% increase in a single year, that the actuarial computations suffer from either incompetence and/or fraudulent practices. Have low interest rates had this size of impact on insurance premiums?

    I (age 77) was offered the option to cancel the policy and retain a reduced Lifetime Maximum Benefit. My wife (age 66) was not offered any option. It is quite clear that both of us are being pressured to cancel the policies, with myself receiving a small benefit (about 100 days in a long term care facility) and my wife would receive nothing at all for the 12 years of premium payments.

    Is there any recourse? A class action lawsuit?

    Bill Jan 22, 2014  #11

  • My mother 80 years old received a letter about my died fathers insurance on her and my father. It appears that the funeral home was the benafisary on the policy. My mother is trying to transfer her policy to her instead of my dead father or the funeral home, which never notified us of this policy he bought from them. She has finally been told after several letters notarized and her attorney sending paperwork that it was transferred into her name. It also did not say that it was closed and all funds transferred and sent to her. She called and said why haven’t sent her the funds they said she had to sign another release request. Which she had signed and notarized several times. My mother is very sick of this entire problem. This company is taking advantage of the elderly, no matter what the name is. Needs to be investigated for insurance fraud, and going in with funeral homes on this being paid too.

    Susan Smith Nov 25, 2013  #10

  • George,

    Thank you for posting. What you have experienced is unfortunately not uncommon. Many insurance policies increase premiums once the insured reaches the age of 65.

    Stephen Jessup Sep 13, 2013  #9

  • I have had a policy with CNA, Valley Forge, Reassure America which was recently acquired by Jackson National. After paying premiums for 14 years, purchased at age 62 now 76 they raised my premiums 50%. After reading about all the denied claims it seems that these companies take premiums from younger policy holders, wait until they are much older and are reaching the age where claims are likely they significantly raise premiums to force policy holders to either reduce benefits or lapse the policies. Even if policy holders continue to pay the higher premiums they deny future claims for these older claimants that may take years to litigate, in the meantime, claimants give up or die. This is worse than a ponzi scheme because in most ponzi schemes when the perpetrator runs out of money to pay claims the scheme is uncovered, in these cases the claimants eventually pass away. The insurance companies rewrite these policies to attract younger policy holders and the scheme continues. The insurance companies claim that the claims estimated for LTC were underestimated and premiums were undercharged, the facts are that the premiums were designed to attract more younger policy holders and when these policy holders reached potential for claims the shock lapse rate would either reduce claims relapse policies. They are professionally in the business of determining policy premiums and underwriting policies and know exactly what they are doing. This is an intentional scam and must be uncovered. Another policy holder has claimed a second 45% increase in premium. Even if you pay the increase premium you face the problems of claims being denied. They also sent me a number of option to reduce premiums by reducing coverage or benefits, the reason we purchased these policies at a younger age was to lock in lower rates in order to avoid larger premiums at a later age.

    Suggestions are welcome.

    George M. Vietze Sep 12, 2013  #8

  • Gregory,

    Reassure is a real company and more often than not they are reliable. Insurance companies often buy life insurance and disability policies from other companies. There is sometimes confusion when the consolidation of policies takes place. You may want to file a complaint with the Department of Insurance in your state, which will be sure to get you a response.

    Gregory Dell Sep 10, 2012  #7

  • First CNA, Valley Forge, now Reassure America Life Insurance. It is hard to get hold of anyone. They never put any phone number in their correspondences. My wife tried to change the beneficiaries. She sent in two times. Both times, they claim they never received it. One time they required it be notarized. Nowhere in the paper says it should be notarized. She got it notarized and sent in. They still claim they never received it. I have never ran into an insurance company this much trouble before. I am wondering if this company is just a front company for a big scam business. Now I am really concerned. I have been paying premiums last 10 years for my and my wife’s insurance. Anyone wants to share the experience?

    Gregory Sep 9, 2012  #6

  • This concerns me, hearing about the complaints about this insurance company Reassure America – not just on this website but others as well. I have a policy with them also, it was CNA before Reassure.

    Joyce Feb 26, 2012  #5

  • I received a letter from Reassure America Life Insurance saying I was the beneficiary of my parents’ life insurance. The policy amount at my father’s death was 11,000.00 dollars. My mother took it out in 1969 and paid every month until 1986 when she was diagnosed with grade 4 breast cancer; it had already metastasized to her brain. My father had already had 3 strokes by this time. When mother died he did not remember about the policy. He died 2 years later. The insurance company just notified me about the policy 23 years after her death. The policy was now worth only 600.00 dollars. When I asked them why it took them 23 years to notified they did not have an answer. When I asked what happened to the money they also did not have an answer. This company is not worth the paper its written on. I would advise anyone thinking of perching this insurance to run as fast as you can away for them.

    Margaret Hartland Oct 29, 2011  #4

  • My policy has a fixed amount, $1400 monthly. It also says “W-2’s, tax returns, & pay stubs will be required to verify income. All of which I supplied. My doctor says he knows this company and they NEVER pay without a fight. After a few thousand dollars in lawyer fees we got them to agree to $1200 a month. Like I said these guys are slime balls, anyone looking for a GOOD disability insurance company should look elsewhere.

    Tim Nov 15, 2010  #3

  • Tim, we have would have to see your disability policy in order to answer your question. Most private disability insurance policies have a fixed monthly benefit amount regardless of your income at the time you become disabled.

    Gregory Dell Nov 8, 2010  #2

  • I purchased a disability policy from Reassure America 16 years ago. Paid them on time every month. When I bought the policy the agent said if I ever had a claim I would be asked to prove my income. I asked what proof I would need. He said W-2’s, pay stubs, and tax returns. OK I say that’s no problem. Now 16 years later I become disabled, I will be unable to work for at least 1 year, maybe more. I own an S-Corp and I am its only employee. We had a bad year last year but we still met pay-roll, I have the W-2’s that I paid taxes on. Now I must close the company because of my injury and they say after they DEDUCT the company loss from my income I don’t qualify for benefits?? I paid them almost $20k over the last 16 years and now I get nothing???

    Tim Nov 7, 2010  #1

Leave a comment or ask us a question

Questions About Hiring Us

Do you handle ERISA Reassure America appeals?

If your disability income claim has been denied by Reassure America and your disability income policy has been offered through your employer, then federal ERISA law requires you to file an appeal with Reassure America. Our law firm has handled thousands of ERISA appeals against Reassure America and we will prepare a very strong appeal on your behalf.

Do you help with Reassure America applications?

The application for disability benefits with Reassure America is the foundation of your claim. One mistake can result in your claim for disability insurance benefits being denied by Reassure America. Our lawyers will guide you through the entire application process and make sure you are in the best possible position to have your claim approved by Reassure America. We welcome you to contact our attorneys to discuss important information about applying for disability benefits with Reassure America.

Do you file Reassure America lawsuits?

If Reassure America has denied all of your ERISA disability appeals, then you have the right to file a lawsuit in federal court against Reassure America. An ERISA disability lawsuit is different than any other type of lawsuit and you should hire a attorney that has handled thousands of disability denial lawsuits against Reassure America. Our disability insurance lawyers know what to expect with the challenges filing a federal lawsuit against Reassure America.

Can you help with a Reassure America disability Insurance denial?

We have helped thousands of individuals collect long term disability benefits from Reassure America and we know the unreasonable denial tactics used by Reassure America to deny disability insurance benefits. Our experienced attorneys know the many options available to get your disability benefits paid by Reassure America.

Do you manage Reassure America monthly claims?

Monthly disability insurance claim management is a unique service we offer. Our goal is to make sure your Reassure America disability benefits continue for as long as you need them. Many claimants either don't trust or experience aggravation dealing with Reassure America. Disability Insurance Attorneys Dell & Schaefer manages every aspect of your claim for disability income benefits from (Reassure America. Reassure America only interacts with our law firm. Contact Disability Insurance Attorneys Dell & Schaefer to learn how we can manage your disability claim.

Can you negotiate a Reassure America lump sum buyout?

Lump sum buyouts and disability buyouts are occasionally offered by Reassure America. Our disability lawyers have established relationships with the people at Reassure America that make the decisions on disability buyouts. We have negotiated hundreds of lump settlements with Reassure America. Our goal is to get you the highest buyout possible.

Do you work in my state?

Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.

What are your fees?

Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.

The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.

In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.

Do I have to come to your office to work with your law firm?

No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via telephone, e-mail, fax, GoToMeeting.com sessions, or Skype. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.

How can I contact you?

When you call us during normal business hours you will immediately speak with a disability attorney. We can be reached at 800-682-8331 or by email. Lawyer and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.

Dell & Schaefer Client Reviews   *****

Vanessa T.

I came to Dell & Schaefer utterly defeated by my private disability insurance carrier. I was devastated that they were denying all responsibility in my long term benefits despite having paid into their horrible program for almost 20 years. When I talked with Alex, all of a sudden I had hope of not only closure but of compassion for my situation. He explained everything to me. Held my hand when I needed hand holding and he and his assistants provided me with information anytime I asked. Should I ever need assistance again I would not hesitate to contact Alex or recommend him. This law firm and Alex was definitely a beacon in what has continued to be a horrible time in my life.

***** 5 stars based on 202 reviews

Speak With An Attorney Now

Request a free legal consultation: Call 800-682-8331 or Email Us