Colonial Life & Accident Insurance Co.

I have been paying for this coverage for 5 months. Was not told it was a contract and I can not opt out of it. They also false advertise if you do end up in the hospital as I did due to a negligent driver who tboned me on the right side. It's sad.

2 years ago I was approached by an insurance agent selling Colonial Life benefits and life insurance. As an employer and small business, I elected to get one of my employee's dental insurance and then chose to get life insurance plans for myself. Fast forward to last month, said employee quits. I reach out to Colonial Life and request they be removed from my billing. Turns out, the agent screwed up setting up the account and did not put it as a Group business, but listed the employee's private bank information as MY business bank account. I am then told that said employee has to reach out to them to remove MY business account and provide their own. They cannot simply remove my business account because THEY screwed up setting up our policies.

I've been paying thousands of dollars per year for an insurance company to protect me and my family in the event of an accident or unforeseen illness (like we all do). I have been unable to work due to a rare infection I got due to a standard cortisone injection. Resulting in three operations in my hip and ongoing physio and rehabilitation to get back to work. I've now been without pay for three months!! They don't respond to emails and calls and do not understand the worry and financial stress they are putting on me and my family. I honestly thought I was protected, however they do everything possible to avoid paying and prolong all communications. I'm appalled at the customer service. Do not waste your money with this company!

I had this life insurance when I was employed 1993. I retired 2012 and decided to keep the insurance. There is always an increase every year. Recently, I was told in order to keep my insurance my premium would triple monthly. If I don't pay the new amount, all the money I paid basically is zero.

This company is the worst. I tried so hard to get a short-term disability policy through them at work but they make it so hard, no one was able to get one. Having said that, their short-term disability only covers new issues, mental health and no pre-existing problems (even cancer in remission) is covered. Kind of seems discriminatory to me. I was finally forced to get a policy with a company separate from work…at least this company cares about its consumers.

Updated on 10/26/2022: I waited for 2 months just to be told no for my short-term disability insurance. This company is a complete rip off. Save your money, open up a Capital One savings account, hold your own money. Do not give this company or any company the power over your income. All the money I put into this company I could have saved on my own. Learn how to invest your money. Learn how to save your money. You don't need these companies, stay away please. As much money you give these companies you could have saved your money for your short-term disability. You don't need them. Keep in mind you don't need them.

Since retiring 2 1/2 years ago I have spoken with 9 representatives trying to get them to bank draft my monthly payments. Not one has been able to do this. I finally signed papers to cancel the policy. The debit payment I made was supposed to trigger a bill being sent to my address. Today I call to find out it was applied to my suspense account but nobody knew why. I'm tired of this, so I cancelled the policy. Absolutely ridiculous service!

I've had them several years and never had to use them, unfortunately I had an accident and filed a claim. I did my claim online thinking after I was done that would be IT. NO. This paper needs to get done. That paper needs to get done. If I hadn't been back and forth with them I never would've known. The customer service was awful. I'm looking to change them now!!!

I have had Colonial for a long time even their cancer, and life policy I am just fully covered, this review is for this year, usually they are great and they do payout on all my claims. But this year they are taking forever to payout. Before within 2 week I would have my direct deposit, but my most recent claim, so far 3 weeks ago, I have still not received payment and when you call or do online chat they just give you a script reading "thank you for your patience", I am so tired of hearing that, my last claim they kept telling me, "Please allow 5 to 7 (which means 10 business days) for your claim to be processed," and the girl kept saying that they were within the time, I literally had to count with her on the calendar to show her it had been over 10 business days??

This insurance company is a complete scam!! They have so many rules in the fine print so they never have to pay a red cent out for short term disability. Steer clear from these scammers you will not see a dime from them even if you’re out of work. They are a complete rip off don’t give these scammers a dime!!! Never signing up with these clowns again save your time and money!!!