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Standard Life Insurance Reviews

Standard Life and Accident Insurance Company Review

By Eric Stauffer on March 14, 2018 0

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About Standard Life and Accident

The Hospital Service Company was founded in Oklahoma City in 1933, providing basic group hospitalization protection through a select group of hospitals. They quickly expanded to cover other services, including surgical, accident insurance, and even a health insurance policy.

In 1940, after several name changes, the company became Standard Life and Accident Insurance Company. They began expansion, first into the Midwest, and then across a larger geographical area, while also acquiring several subsidiaries. By 1968 they were operating in 32 states and had reached $1 billion of life insurance in force.

In 1976 Standard Life and Accident Insurance Company was acquired by American National Insurance Company, and operates independently as a subsidiary of that company to this day. In 1998, the company relocated its headquarters to Galveston, Texas, where the parent company is located.

Today they write both individual and group health products including short-term health, accident, critical illness, life, Medicare Supplement, and hospital indemnity.

Standard Life and Accident Products

Standard Life and Accident has a good range of supplemental insurance policies as well as a few life insurance options. We have reviewed their Medicare coverage options separately, so this review will focus on their other products.

There are two types of life insurance available, final expense whole life insurance and term life insurance.

The AdvantageGuard Whole Life for Final Expense is a permanent life insurance policy with coverage amounts ranging from $2,000 to $75,000. Issue age is from 18-85, and the plan generally doesn’t require any health questions.

Term Life is offered with several term options: Annual Renewable, 10, 15, 20, and 30-years. Coverage amounts start at $50,000, with issue age between 18 and 70, and several underwriting classes. Term policies include living benefits for critical illness, and a children’s rider is available.

Standard Life and Accident does not write major medical insurance but does offer a list of short-term and supplemental policies to cover out of pocket medical costs and other needs.

Accident Insurance pays benefits in the event of an accident to cover both medical costs such as deductibles and coinsurance and household costs that result from the accident. This can include additional childcare or household help during recovery.

Accidental Death and Dismemberment policies provide a lump sum death benefit that can be used for any expenses after a fatal or serious accident resulting in loss of limb or eyesight.

Standard’s cancer insurance is designed to act as a supplemental policy that pays expenses not covered by major medical. This can include deductibles and copays, and additionally, it can be used to help with household expenses.

Critical Illness policies from Standard pay a lump sum benefit upon diagnosis of several different serious illnesses. Like other supplemental policies, it can be used for both medical expenses and household expenses.

Standard’s Hospital Indemnity policy provides benefits for hospital confinement, intensive care services, hospital admission, and ambulance services.

Standard has two types of Limited Medical Insurance. The first is an add-on supplemental policy that helps to pay the out of pocket costs of regular medical care that aren’t paid by major medical. It can be used to cover the deductible, copay, and coinsurance amounts as well as other costs. The Short-Term Limited Medical is a standalone policy meant to provide some insurance during a gap in major medical coverage. Coverage is available for up to 12-month periods.

Recovery Care insurance is the final individual plan offered by Standard. This product is designed to help cover the costs of short-term convalescence. This includes stays of up to one year in a nursing home or other convalescent facility,

Standard offers a range of voluntary employee benefits available even to small companies. These include accident, cancer and critical illness, short-term disability, and even group whole life.

Standard Life and Accident does not offer online quoting. Quotes can be obtained by calling a toll-free number, or by contacting a local agent.

This is a big enough company that, although they are agent-driven, we would like to see online quoting at the very least for the life insurance products they offer.

Standard has two separate claims lines, one for life and one for health claims.

Life claims can be reported over the phone during business hours, which are listed as Monday to Friday 8:00 a.m. to 5:00 p.m. central time. Life claims forms are also available on the website for download, and can then be mailed in to the company.

Health claims forms can also be downloaded, and a toll-free number is provided for assistance. Business hours for this claims department are not listed on the website but are likely similar.

Ratings and Consumer Reviews

Both Standard Life and Accident Insurance Company and the parent company, American National Insurance Company are currently not rated by the Better Business Bureau (BBB). The reason stated is a lack of information, which is strange given how long this company has been in business. Standard has no complaints on file in the past three years.

In keeping with the lack of information on this company’s reputation, we were unable to find reviews in any of the usual locations. This is a large company in business for a very long time, therefore the lack of reviews is unusual. In some cases, this is a good thing for an insurance company, but it’s not something on which we can rely.

The Bottom Line

Standard is a good-sized company that has a long history and appears to be stable. The minimal information on products and the lack of rates and reviews make it very difficult to form any solid opinion as to the value and service they offer.

For a list of companies that we recommend, visit our Best Insurance Companies page.

The Standard Insurance Review

By Eric Stauffer on July 7, 2017 0

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The Standard is actually the marketing arm of the StanCorp Financial Group, which operates a variety of companies including insurance, equities, and real estate businesses.

The Standard primarily offers disability and life insurance along with related products, such as annuities. These are sold to individuals or to companies in group plans, but not all products are available to all customers.

Altogether, The Standard’s policies cover about 8.5 million people, primarily through employers – 30,000 companies insure their workers with The Standard. The company sells policies in all 50 states, working directly with employers in most cases to craft the appropriate level of coverage for the business’s needs.

Insurance Products

Individual Policies

The majority of The Standard’s products are offered as group plans to businesses, but there are two things you can purchase as an individual:

  • Disability Insurance
  • Annuities

Individual disability insurance is offered to people who are self-employed or who need to supplement their employer’s plans. The purpose of disability insurance is to help provide supplemental income if you become disabled and can no longer work.

There are a couple different types of disability insurance products available:

  • Income Protection – Provides alternative income to people unable to work due to disability.
    The Standard’s plans come in Platinum Advantage, Protector Essential and Protector Platinum packages. As the names would suggest, you get additional perks with higher-grade policies, at an added premium. Some of the riders and coverages available include survivor benefits for your loved ones, an indexed cost of living rider to keep payments in step with inflation, and a rehabilitation benefit to help with rehab costs after an accident or illness.
  • Business Protection – Offered to small business owners. This is a special type of income protection plan that covers certain business overhead expenses in the event of the owner’s disability. This allows a business owner to continue operating the business while disabled or to ease the sale of the business.
  • Guaranteed Standard Issue (GSI)– GSI’s help maintain your lifestyle as well as pay your bills if you are injured at work, sick, or unable to work. Having GSI in conjunction with disability protection can raise your coverage level to an optimal amount.

Group Policies

Since most of The Standard’s policies are marketed toward employers, the company offers a variety of group plans.

Among these are group life insurance, long and short-term disability and accidental death insurance. Additionally, The Standard sells group dental and vision policies that can help augment other types of plans as most employer-based health insurance does not cover those two items.

Employers have the option of offering any number of these coverages to their workers. In some cases, they may opt to provide a “cafeteria” type plan, allowing employees to sign up for coverages that they find useful. For example, a group life plan can have disability and accidental death coverages added to it for an additional cost; passing this choice on to the employee helps the worker pick an option that makes the most sense.

The Standard Insurance Rates

It’s not clear from The Standard’s website how a potential customer should go about obtaining a policy. There is neither a quote request form nor an agent locator on the site, and the “Contact Us” page lists just one number: 800-628-8600.Presumably, all inquiries should be directed to that number. Under the same tab, however, there is an option to send a message. You simply submit a request or question regarding one of their products and a customer service rep will contact you directly.

When it comes to employer policies, the person in charge of benefits (usually in the HR Department) would be the one to contact the company.

There is a link on The Standard’s webpage on the right-hand side that says “File a Claim.” Click that for claim information; it will provide you with separate links for various scenarios. Since The Standard offers so many types of policies, the claims process differs for each one.

In general, claims for group plans will be made by the employer after the worker (or, in the case of life insurance, the worker’s family) reports the loss to the company. If your employer carries insurance with The Standard, you’ll want to confirm with HR whether you should contact the insurance company directly with any questions or claims or if all of these should be handled through the employer.

Consumer Research and Complaints

The Standard has been accredited with the Better Business Bureau (BBB) since 1958 and is in good standing, with an “A+” rating. There are only 26 complaints list on the site in the last three years, eight of which were closed in the past 12 months. Of the 26 complaints, 23 concern product and service.

Other review sites come up with a less flattering image.

The company has a 1-star rating on ConsumerAffairs.com based on 53 ratings. 48 of the ratings were given one star. Many of the reviews state poor customer service and claims handling from the company citing many delays in receiving claimants documents.

Overall, short-term disability seems to be the coverage that causes the most complaints. Consumer complaints about the annuities, vision insurance and other products are rare. This may be because short-term disability is the most common product, or because employees may not fully understand their policies. From the information available, there’s no clear indication either way.

Reliance Standard Life Insurance Reviews

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42 Employee Reviews

“Great Company”

I have been working at Reliance Standard Life Insurance full-time (More than 10 years)

Reliance has a family atmosphere feel with a very open door policy to management

Like all companies there are issues, I think the main issues are with pay and older systems

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Reliance Standard Life Insurance Response

“Voluntary Market Coordinator”

I have been working at Reliance Standard Life Insurance full-time

Good training with mentor program

Lack of vertical movement opportunities

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Reliance Standard Life Insurance Response

“Former Employee”

I worked at Reliance Standard Life Insurance (Less than a year)

Great co-workers, nice offices, not long hours

Not much advancement, but good balance between work and family

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Reliance Standard Life Insurance Response

“Great company no growth”

I worked at Reliance Standard Life Insurance full-time

Great company to work for, good atmosphere

NO professional growth. You get in one position and stay there forever

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Reliance Standard Life Insurance Response

“Good Pay Good Benefits”

I worked at Reliance Standard Life Insurance full-time

Salaries were good and comparable to the job market. Good benefit selections. Multiple to choose from.

Communication from Senior Management was lacking

Advice to Management

Open the lines of communication to all employees.

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Reliance Standard Life Insurance Response

“Overall positive expirience”

Enjoy the people and leadership

no cafeteria, only a small break room

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Reliance Standard Life Insurance Response

“Self Reliance Standard”

I have been working at Reliance Standard Life Insurance full-time (More than 3 years)

Flexible working schedule, time given to learn, large financial backing, peer help, free filtered water, kuerig on site, bathrooms near by.

Management out of touch, technology is seriously lacking, not all initiatives are filtered down to the offices, combative and entitled old-style personnel. Very much an “I” place to work. Brokers are divided by sales reps unevenly and with much discretion, sales managers and directors are overpaid, workload is made difficult by lack of tech and silo-ed sales and service orgs.

Advice to Management

Integrate sales and service, get into the future with tech and be transparent with all people of org.

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Reliance Standard Life Insurance Response

“National Account Manager”

I have been working at Reliance Standard Life Insurance full-time (More than 3 years)

One of the best Absence management companies in America. Provides great benefits to employees. Fast paced work environment with a great deal of experienced people that have been part of the company for a long period of time. Has an immense financial portfolio and can provide career longevity.

Antiquated new business and amendment system. Unrealistic expectations for account managers in that they have to use the antiquated system that they are not trained to work on to amend their policyholder’s plans. No structure in place to fairly assign the work.

Advice to Management

None – they’ve evolved

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Reliance Standard Life Insurance Response

I have been working at Reliance Standard Life Insurance full-time

Great Center City Location. Decent Wages

There is no cafeteria only a small break room. Very limited opportunity for growth. Low salary increases. Outdated systems and processes. Change is anticipated.

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Reliance Standard Life Insurance Response

“Overall Good Office”

I have been working at Reliance Standard Life Insurance full-time

I really like the people I work with. most of us work well as a team. Vacation time is good. Yearly bonuses are average. LOMA classes are paid for by the company. Offers tuition reimbursement. Some company outings, which is nice. 4 stars for the “Pros” but I’d give it a 3 for the rest.

You are worked to death, with no reward. Sometimes not even a “Thank you.” There is no trying to find a solution to a problem. If someone is stressed out, then their work is just pushed off to the next person, and no one seems to care. Work gets transferred between offices, which in the long run makes it even more of a mess. Raises are not good. Granted, something is better than nothing. But year after year of the same exact percentage. Hmmm.
Very little room for advancement.
Technology isn’t the best. No option to work from home.

Advice to Management

Care more about your employees. It’s no wonder a few of the same offices have such high turnover. If someone busts their butt, they should be rewarded.

The Standard Insurance Company

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70 The Standard Insurance Company Consumer Reviews and Complaints

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In processing my claim from short-term to long-term disability they took over three months. Was told that the extension of my long-term disability when it would be reviewed was not going to be an issue and that likely they would be hoping to get my long-term disability changed over to SSDI. Instead I get a letter on August 31 that on August 31 they are denying my long-term disability claim. I have had over 60 doctor appointment in less than a year and they reviewed less than 10 of those doctors appointments. Did not care That the Neuromuscular neurologist said that trying to work would make my condition worse and that my condition was going to take months to years to get better. As a single mom with three kids they could not care less about anyone.

The Standard is quick enough to take your premium, but they are experts at saving money by denying claims. (Hmm, taking money, not providing what was promised, sounds like theft, doesn’t it?). Talk about kicking someone while they are down: out with a disability, no money, as the Standard refuses to pay what they owe. If you hire an attorney to try to collect, the money will end up in legal fees.

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For the first 16 or less months I had no problems with this Company and then I receive a letter stating they are cutting off my benefits due to their doctors (mind you who have never seen me) who believe I can work at my old job but with restrictions. I have acute heart disease and acute vein disease where they took veins to do quadruple bypass which have closed back up. After the surgery I became so infected PA of surgeon thought they would have to go back in to redo work and clean out infection so I lay on couch for seven days a week with only being able to go to doctor twice a week and in-home health care three days a week. But now I have not been released to go back to work and I have no money to pay bills (they don’t care but karma is a ** and what goes around comes around guys).

I had some questions about the ending of my STD leading up to LTD and called into their offices and got Lisa on the phone. During our conversation she overspoke to me – talked over me – wouldn’t let me ask any questions – was militant – belligerent – rude and abrasive. During the end after I let her run her tangent for over 15 minutes and disrespecting me I asked to speak to her supervisor and she HUNG UP ON ME. I complained to her supervisor Karen and now I am getting denial information in the mail about my LIFE INSURANCE after I had requested Karen to assign my claim to someone else – I feel like I am being DISCRIMINATED.

I have been working for my employer since 2014 and added The Standard’s short and long term disability to my benefits package. The premium has voluntarily been deducted from my paychecks. In July 2017 I became disoriented and dizzy on a regular basis. Since I was unable to drive or complete my tasks at work I sought assistance from my regular doctor along with two neurologists, a rheumatologist, a neuropsychologist, and a gastrointestinal doctor within the last seven months; all the while unable to work. I have had MRI scans, CT scans, and numerous blood tests, all of which were provided to The Standard.

The Standard paid a $1600.00 benefit for July through September. I requested an extension of benefits and, although my health had changed and the doctors were still searching for a diagnosis, my claim was denied. I requested a review of the decision in early November 2017 and continued to provide The Standard with all medical documentation. I have been informed today 3/29/2018 that my claim will remain closed and denied. Although the doctors have been, until now, unable to diagnose an exact illness of the symptoms I am experiencing I still am unable to drive and work. I am confused as to why I was paid with no diagnosis at the beginning of my claim but denied benefits from then on when there’s been no change in symptoms. I believe this is an unethical practice and have found this to be a pattern of this company. They’re happy to take your premium, but don’t stand behind the individual paying it.

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I have been dealing with The Standard Insurance Company for almost 2 years now. It was fine the 1st year but when I started getting my Social Security Disability things went to hell. The Standard started sending me over payment notices. I had no problem paying back what Social Security back paid. I did that, then The Standard Insurance wanted a mother $1000.00. So I paid that even though the letter stated my overpayment would not be more than what I was awarded from Social Security.

Then I called The Standard to ask if it was ok to roll over my retirement into a IRA. I was told that it was fine as long as I sent prof showing I did not keep it. Then about 9 months later I get a letter stating they wanted $780.00 for me rolling it over. Then a week later I get a letter stating they would be taking anywhere from $200.00-$300.00 out of my checks each month as a penalty. They are still subtracting $350.00 too much from my Social Security.

Just today I got another letter saying I have a overpayment of $395.00 for the month of February. I am confused because I did not even get a check from them. When I went to have my taxes done we couldn’t do them because The Standard Insurance W-2 shows I paid into them more than they paid me. When my tax lady call The Standard Insurance the guy kind of laughed and said (wow I don’t know what to tell you). We asked if there could of been a mistake and he said no that the W-2 was correct. I am suppose to be getting 90% of my wages but with them taking more than they should I only have my Social Security to live on. I wish something could be done as I paid into this for many years thinking it would ease the worries if I ever got sick, well here I am worried. How I am going to keep coming up with money every month to pay them back on their so called overpayments. It sickens me that they can get by with this.

I contacted The Standard to cash out my life insurance policy. They said that it was term life so I would receive nothing for all of the payments that I have made. This is the policy that my last employer (UAMS) provided to retirees as long as we made the payments. Well, I won’t be making any further payments. What a ripoff! I will say that the lady who answered the phone was pleasant. I hope that she is able to find a legitimate job soon instead of representing such a shoddy company.

I have been a customer for over 25 years. My son just passed away at age 28 and I was informed he was not covered because he was over 21. No one ever informed me of this but took my money for the premium. In a time of loss and then find out I can’t bury my child is very hard.

The Standard is the only long term disability company my institution works with so I applied for coverage which is a lengthy process (a state institution with change of benefits once yearly). This was advised me by a financial advisor and I’m in a professional position. From November 2017 I prepared my application and received a denial dated January 4 in mail. Based on medical records from my primary care physician they denied covering me due to a “shoulder disorder” as I had injured my left shoulder at the gym last year (where I go regularly or as an alternative go for 3-4 mile runs 2-3 times a week) that cleared up in a month’s time.

Granted I do have mild chronic right shoulder pain that is muscular (I type often for work and commute several days a week 3 hours of driving round trip which leaves my right shoulder tight). I deal with it with exercise (work the muscle at least once a week through weights, yoga, Pilates, and or barre) and massage therapy (twice monthly at most). Apparently they Characterized that as a “shoulder disorder” and denied coverage to a healthy and fit professional who enjoys her career and considers cause for disability as needing to be something that limits my ability to teach, write grants and publish manuscripts, for example, suffering a bad accident with loss of use of upper limbs and/or brain damage. I plan to appeal this decision and read up on other entries in ConsumerAffairs on The Standard.

I was hoping by their insured on a rainy day, she was drive extremely fast when she lost control and after sliding all over the highway she hit my car. Fast forward a few weeks, I had to wait for the police report to get her information, and I put the claim in to have my car repaired. Fast forward almost 4 months and I just learned the person handling my claim no longer works there, which is why my claim was never process. Now I at least know that much but I learned that I have to pay out-of-pocket for the rental car.

Standard did say they will reimburse me for the cost of the rental, but how can I trust they won’t drag their feet on getting the correct to me? Never mind the fact that when I told the new person handling my claim that I could not afford the cost of a rental. All I got from him in response was an “oh well that’s how we do it here.” I guess I’m expected to not have a vehicle while my car is being repaired? Do yourself a favor and if you’re ever hit by someone with Standard Insurance just go get a lawyer and let the professionals handle this company. You’ll thank me in the long term.

My experience with Standard has been very disappointing. I have been a customer for approximately 20 years. During that time I have never missed a premium payment. Then, I became disabled with M.S. Honestly, this illness has been devastating to my business and to my income. I have submitted claims twice and this company (Standard) seems to be going out of its way to find reasons to deny the claim.

However, I do not understand the reason for the denial because Standard will not provide me with the basis for the denial. If it has attempted to advise me it is not specific enough to do any good! I still “work” because if I didn’t, then I would go bankrupt! This company, which has gladly taken my premium for years, is creating quite a problem because if I stop work, thinking that Standard will fulfill its obligation to me, I have no way to believe it will pay for my disability. This company has operated in “bad faith” regarding my claim and I am now going to do something about it! THIS REALLY IS A TERRIBLE COMPANY!

I went on LTD following an industrial injury. The Standard sent me a check for over $7,000 that I did not think was correct. After calling them and verifying that I had that amount coming I cashed it and paid tax on it. The following year they contacted me demanding I pay it back ASAP. I could not recover the lost tax as you need to go long form and my tax man could not recover any of it. The Standard’s mistake cost me thousands in taxes for payment I had to return. They didn’t so much as apologize.

This is the worst company to deal with in your time of need. I got my Short Term Disability no problem. I started working on my Long Term Disability weeks before the ST was to run out. I spent over 2 1/2 weeks trying to figure out what was going on with my long-term disability. I spoke to somebody and they said that that I had to fill out a separate form from the one that they got – which is what they included in the packet. I signed the form and they sent it to my Doctor who said it was not HIPAA compliant. Every time I speak to somebody different they say they don’t have any information on it. I was also told that my records go to another company that they outsource for this. Now it’s three weeks without a check and they’re still screwing around. Now I’m at the point where I have no money still and a hurricane is coming. I can’t go anywhere because I don’t have a cent to my name. They don’t give a crap!

I worked for my current employer for a year when I was diagnosed with colon cancer. I was so glad that I opted for the short and long term disability insurance. Boy, did I learn a lesson. I contacted the insurance company before I went on leave figuring that I could expedite things and to get all of my ducks in a row. I was handed over to the man that was in charge of my short term disability claim. He turned out to be a nice guy. He did, however, inform me that I would receive short-term disability for four weeks upon which time I would be handed over to the Long-Term disability department. I thought that to be odd since I was only going to be out for seven weeks.

All things considered, the short-term paid off well. I got four checks and then a letter came from long-term disability saying that they needed to investigate because they suspected that my colon cancer may be a pre-existing condition. So I filled out the permission form for them to get information from my current provider. Next I received a request to sign a permission form for a previous provider group. Bear in mind, this was happening in May of 2017 and they wanted the information from January 01, 2016. I sent in the permission form. Next I received a permission form request for a pharmacy that we used and a week later they wanted a permission form for a pharmacy that I used maybe twice. Also bear in mind that I was never seen for any cancer related issue before this year, ever.

So the next thing that happened is that I received a letter saying that they were still “investigating” my claim, so I called the adjuster who told me that it could still take “several weeks” to make a determination. The next letter that I received was one telling me that they were also investigating my life insurance, who it happens is offered from The Standard Insurance Company. The letter said that my life insurance might be dropped, or at the very least I would be responsible for paying for it in whole by myself.

So, today, which is August 02, I get two more letters, both telling me that they need more information. Although the adjuster told me that he had received all of the information from my current provider, the letter stated that they have never received that information. I was also told that they have never received information from that one pharmacy that I used a couple of times. They are basically requiring me to call these entities to provide the information to them.

I’ve had it. I’m not quitting my quest. I am going to send out a mass mailing to everyone in my workplace to ask if they’ve been screwed over by The Standard. There are two women on my unit who have had various bad experiences so there must be many more who can testify that they’ve been shafted. I’m doing this to pressure my employer to get a new insurance company. This is going to be hard because I work for a state entity. I’m also going to contact my state and federal legislators to ask for help. This has worked in the past for other concerns that I’ve had about impropriety in government and/or insurance companies.

The thing is that companies like The Standard do things like this to people to make them so frustrated that they just give up and move on. I’m not that way, I’ll see this through to the end. I’m working again and I can afford to be a fly in their ointment and a burr under their saddle. They’ve messed with the wrong person this time.

I have to ask other people who have had experienced these folks. I have literally sent in everything they sent to me and gave them info they needed. They are the worse to deal with. Every time I call I get someone different who has no clue and I explain it over and over as if I’m starting over. Then they just out of nowhere stopped my checks, with no notice at all. So now I’m screwed on paying my bills with the money I worked for since I was 16 years old, is that even allowed? Can they stop my check without giving me any notice? And since I have not a penny to my name, my phone was cut off and usually the automated system will call me to let me know if my check went out. Does the automated system generate a check? Maybe I didn’t get it because of my phone being cut off? Can someone please help.

I was struck by lightning in 2014. I received Long term disability check from the Standard until my Social Security went through. I have PTSD therefore after 24 months I could not draw my Long term check from the Standard due to a clause in the policy so they started withholding my entire check several months before the checks were to stop. I received a very ugly letter requesting the entire balance that I am and was not in a position to pay due to being disabled and a very low income. They demanded that I pay a $100.00 a month or they would destroy my credit.

I paid them $100.00 only in July 2015. I as agreed or they would put it on my credit. After that my husband and I wrote them a letter and told them that we could only pay $50.00. Then my Ss went down due to Medicare so we wrote another letter stating that all we could afford is $25.00 a month. They have been accepting my payments for 10 months now. Today I get a letter from a collection agency stating that I owe more than is owed and a judgment is being put against me.

I purchased both Short-Term Disability and Long-Term Disability policies in good faith and shortly after excitedly starting my new job. I was enrolled in these policies without any lapses for more than two years. My employer had many administrative problems and those problems caused many of the workers to seek treatment for a variety of medical conditions including stress and depression and work-related PTSD, being required to do, perform unethical and dangerous business practices sometimes endangering patient safety as well as employee safety.

I sought treatment from a Medical Doctor regarding my situation. I explained to him that there were safety issues and physical threats as well as dangerous working conditions as the temperature had reached 89 degrees without any ventilation and without windows and working in a security controlled records department. I was also required to perform an increasing workload that was previously performed by 4 full-time employees. I was feeling very overwhelmed and stressed and under a lot of pressure by Administration that was constantly requesting me to complete the ever increasing amount of work and to complete management tasks that took me away from my desk to attend hours of meetings while still completing all of the work and some of the work was patient related information. I was the only employee running and working in a vital to patient safety department that was previously staffed by 4 employees.

I had sought treatment by a medical doctor and explained to him my increasing concerns for my health and well-being. My Doctor felt that I needed to be treated and he put me on disability and he completed claim forms for both Short-Term and when eligible for Long-Term disability paperwork. I have gotten nothing but a run-around. (It appears by reading the comments, that many other people that have filed claims also have had the same treatment). In August of 2016, I filed a claim for Short-Term Disability with a company named, “The Standard”. The Standard said they received the claim information, then they said they needed me to send it again (First one was sent certified mail and received by them) and then they said it was being reviewed, then reviewed again, then again, through several levels of reviewers.

Then more information was requested and more information was sent it to them and they were reviewing more information all the while saying that I have a “Claim”. I have correct claim numbers and information and that it will be processed promptly. And then after 9 months, I was told I have been requesting my claim from the “Wrong company”. I was told that my claim should have been processed through a company called “The Reliance Standard”.

As a consumer, paying my premiums through payroll deduction in a timely manner, expecting a product in the form of an insurance policy, that has been fully paid for, I would expect that this would be a simple and clear transaction and that “The Standard” should honor their responsibility as the recipient of the premiums and they have benefited from the payment of these premiums. But it appears that there is a problem with the handling and mishandling of the confidential patient and employee information.

According to the reviews on the Consumer Affairs website, multiple copies of the same information has been requested by the Insurance company. I am requesting a prompt resolution and payment of my claim for Short-Term and Long-Term Disability benefits as all information has been sent to both companies and it appears that they don’t have a problem with delaying their payments to the detriment of me the consumer that purchased their product for the protection of myself and my family.

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