Colonial Life & Accident Insurance Co. Reviews

I have never been more dissatisfied with a service. I have been a member since 2011 and they used to be great. However for the last few claims I have had to call and follow-up as my claims have not been processed in the 5-7 business days they state on the claims portal. My last claim is by far an insult. I uploaded my claim with all the necessary documents to the claims portal on 8/28/23. I called on 9/11/23 and they said I had to wait 10 business days. So I did and nothing. On 9/13/23 I called again and they said they were going to escalate it (I spoke to a supervisor) and to give it 2 more days.

My mother had taken out this policy for me back in 1987. However, they went behind her back and started billing me in 2018. My mother had the money debited from her bank account until this past May! Why are they saying my policy is still cancelled even though she was still paying! I’m suing!

Colonial Life denied my claim even though I had full treatment because I’m not in active cancer status. Very upset because that was the only reason I had this policy because I knew I had multiple breast cancer genes. I will be reviewing in several places and canceling all policies. This company is a scam.

This outfit harvests resumes from job sites and sends scam "offers" like insurance saleshole "jobs" to Senior Engineers. When notified, respond with justification of their actions rather than removing the email address or - even better - ceasing scamming altogether.

I got this insurance for a house I own and then canceled it within a couple of month to consolidate my policies with another company. It was canceled June 1. When I didn't have a refund within several weeks, I contacted my insurance broker, who called them and was told we needed to fill out a certain form. They had not told us this before. We fill out the form and now are told they only write checks once a month on the first, so they would mail it out August 1st. August 14th and I still don't have it. If they won't send me money that is MINE, they certainly won't pay on a claim for you.

I stayed with Colonial Life Short Term Disability Insurance when my work dropped STD insurance. I was with them for years. I was late one time making a payment, but still made the late payment within their late time frame. I spoke with a representative on the phone and she told me my policy would still be active if I made the payment with her that day. I made my late payment and paid for three more months. Then I received a letter saying they dropped me. Every time I would call, the representative would tell me there is nothing they can do. I asked to speak with a manager, and would never receive a call back. I still have not been reimbursed for the 3 months I paid, for their policy that they later considered inactive. This company is criminal, a waste of time and money. Legal action is now necessary.

I'm not submitting a poor review because a claim was denied. There's still a possibility but not the reason. The process itself is ardous as hell. Most of all though it takes forever to process. Customer service is overseas and clearly scripts are used.

Supposed to pay some for every chemo treatment..They started out ok..Now saying they aren't paying anymore! SUCH A SCAM! You can bet I will put this all over the internet!..And then some! Paid on it 27 years..This is how they treat you! PATHETIC COMPANY!

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 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!!!

This company is the worst when it comes to customer service. They have no emotion except one which is being rude. They are also incompetent and deserve to be fired or worse. DO NOT DO BUSINESS WITH THEM.

They’re scammers, they’ll process policy without your authorization. Avoid talking to them or getting your personal information, they’ll get you a quote and days after you will get a policy with or without your authorization,

Beware on this Company. I have been paying for Accident and Sickness insurance since 2003 and thought since I work in Law Enforcement it would be a good idea to have it. I haven't had the opportunity to use it much (which is a good thing) but I believed it to be good to have just in case. Fortunately, I didn't get hurt at work, just sick from the Covid-19. I was tested at work with the rapid and PC test and had tested positive and had multiple symptoms. Work made me stay home so I applied for my Colonial Life benefits. I had to be symptom free and test negative to return to work. I kept testing positive and had symptoms...

Please keep in mind that this company is NOT Colonial Penn, as other reviewers have stated. I purchased Accident, Cancer, STD and Life plans in 2006 through my employer. Unfortunately, I have had to use my accident, STD and cancer (twice) plans over the years. I have been very pleased with the claims process and the timeliness of payment every time. Also, when you call customer service, you do not have to hold for 90 mins like is typical with my AFLAC policy. They do require a lot of paperwork for STD claims, but no more than AFLAC or other STD carriers. Also, a lot of times it is the doctor's offices that delay STD claim payments by not responding in a timely fashion.

They do not attempt to expedite anything and delay the process far too long. I am trying to get a letter showing cash value. It's been almost 2 1/2 weeks and still nothing. Two other insurance companies turned around in 1 day and 2 days for the other. Excellent service and they actually cared. Can't say that for Colonial. I wouldn't waste your money on this company.

I was diagnosed with covid. Got really bad sick! My fever was 105 off and on for 3 wks. It would get lower than bam 105. Only received a partial payment after the waiting period... Don't waste your money as they will not pay out properly.

I have received great service from Colonial Life they have handled my benefits with great quality care and good customer service. I feel secure using them for myself and my family. I have not had any issues regarding services or communication.

We were dropped from our policy after decades of paying on time. No reason was sent as to why. After my wife called them the only thing they could say is that they needed a credit card on file to automatically charge monthly. It was paid by check each month on a timely basis. They also made mention that they were sending communication to an address that my wife had told them that we moved. They are so hard to communicate with we finally threw up our hands. Never had a claim. Unbelievable experience!

I started a policy with Colonial Life at the end of last year. I pay them every week, relieved to have some sort of safety net for my five kids. That all changed this last month. After having sustained a major injury at the beginning of June, completely severing my hamstring from my pelvis requiring screw reattachment, I have changed my mind. Though I have received partial payment, I'm still waiting on six weeks of payment, pending when they receive information. Problem being, that they've "not received" at least 5 faxes from both my employer and physician.

I was put into contact with a representative for this company through my employer. They would not stop arguing that they were 100% better than my existing health plan and that I will almost certainly be left for dead if I did not sign up with them then and there. Absolutely abhorrent behavior, using fear tactics to make a profit on a social necessity. They hung up abruptly when I mentioned I did already have healthcare covering all my needs for the 5th time, without explaining any of the other benefits they had. The lady I spoke with was so annoying and bent on feeding me ** "I've been in healthcare for 20 years. You are wrong". This middleman industry needs to die.

Absolutely the WORST experience you will ever receive if you utilize Colonial Accident supplemental insurance. Customer Service & transparency with this company is a joke. After being a 30 yr customer unfortunately the situation arose where I sustained serious injury & had to rely on payment from my supplemental plan. Each month I had to contact Customer Support and have a shouting match to track down my payment. The original anticipated date for my return to work was met but extended due to complications pending additional surgery. The information was immediately faxed to Colonial (twice) since they conveniently lost the original after leaving the Surgeon’s Office. Now here I am with no explanation of why there is a lapse in my payments other than it takes 8 business days to process a claim for the exact same injury I am still recovering from.

What a shock when I called Colonial Penn in September 2020 to examine their $9.95 guaranteed acceptance life insurance. What I didn't know is the call "for FREE information" is treated as an "electronic application" and my 30-day "no-risk" money-back guarantee is an illusion. To be brief: I reviewed the $9.95 policy and another policy and returned all materials within 24 hours asking for my refunds. They did not respond. I disputed the charges immediately and, after making multiple calls I filed a complaint to the Ohio Dept. of Insurance after which all monies were returned to my credit card. I was relieved. My nightmare was over--or, so I thought.

DO NOT BUY- BEWARE!!! My father purchased life insurance over 10 years ago, has well paid in close to 10,000 - yesterday he gets a letter saying to keep his policy the premium will go up - get this- $75 MORE than what he has been paying. And if he cancels, he will only get a little under $900 back. So they made a profit off $9100 off my dad. Sad how these companies take advantage of our elderly people!! SHAME!

I see so many negative reviews that I wanted to share my personal experience. Unlike others, I had a great experience. I turned in my claim a week before I had surgery. I gave all the info they requested on the form. They provided me daily updates via phone/email/text. They paid my claim 6 days after my surgery and paid the short term disability for a month out. It could not have been easier. I think most people get frustrated because they don't read/understand the fine print about pre-existing conditions, fill out the paperwork entirely, and wait until the last minute to submit their claim. I could not be happier with my claim and service. Thank you Colonial Life!

I spoke with a representative about trying to get pregnant and he informed me that I would receive coverage as long as I wasn't knowingly pregnant before my coverage began in January 2020. I had my first confirmed ultrasound and dr appointment on January 24th, 2020. ALSO he told me that I would receive $1,500 for hospital confinement if it was over 24 hours.

Colonial Supplemental Life is filled with people who care about people; especially Marlene **. Marlene ** treated me with great care and respect; My previous agent Robert ** was like family to me before he passed away. I not only have a life insurance policy but I also have an emergency monetary source if I should ever need it.

Pay premiums for years then when you're off for just three months because of an accident they have all these forms to be filled out over and over by you, your Dr. and employer which gets sent to all different people at each place and takes each time to complete and by the time you're on the third month the first finally gets through. Then the others are en route to be filled out again, just many hoops to jump through. Even the Dr's. Office commented on the hoops and paperwork involved from this company. I’m still unsure if I’ll ever get paid.

Bought universal life in 1992 for my husband. The agent did not tell me that when my husband reached age 80, the premium would jump so high it was not affordable. Nowhere in the policy can anyone understand this practice either. Do not purchase from these people. The policy is not even worth 200.00 dollars now. God should have his wrath on them.

If I could give them (0) stars, I would. I signed up for multiple coverages, accidental, disability, cancer etc. just to have a small safety net in case something happened to me or my daughter. Well in Dec of 2019, I was walking and somehow ended up tearing my right MCL, visited the orthopedic doctor day of injury, have been under his care, MRI showed the tear, did the orthopedic operation, and am still under his care and doing physical therapy. When I tried to make a claim under my accidental injury insurance, Colonial denied claim for out of pocket expenses, roughly $5K to $8K. Colonial said that the injury was not an accident, nor a sickness since I showed some arthritis. They refused to pay anything. I appealed and they still denied benefits. Company such doesn't have an issue taking premiums but finds any reason possible to deny claims. Will inform my company and friends of their practices.

I was a customer with this company for almost a year, so I only lost $1000. Glad I found out now instead of years down the road. I got their temporary disability plan as a safety net for myself. I learned I needed a total left hip replacement back in February. Before I even started I talked to TWO different ladies at this company, two different occasions, two different days to see if I was eligible and was told the exact same thing both times. Which of course there is no proof of even with their quality control taping for assurance line of bull. "Sure, Mary, ya can draw before surgery and $900 a month for up to six months afterward. NO PROBLEM." Well, no problem turned into a NO before surgery because I had a right hip operation 6 years before. Even though their own rules state, you can't have a preexisting condition for a year before the policy--they kept giving me the run around. They requested paperwork after paperwork.

I posted the other day saying Colonial would not pay on my cancer policy. Well, after a lot of back and forth and many emails to the company I rec'd an email today saying my claim would be paid. I credit my Rep with getting this done but the process took a long time. Still, had I not fought it I would not have been paid. There's no reason I had to jump through hoops but am glad they paid.

I paid this company for over twenty five years for life insurance. All they did was increase my premiums until the value was not worth continuing. Big ripoff. They calculate and increase your premiums until continuing with policy is senseless.