Colonial Life & Accident Insurance Co. Reviews

Be very cautious when choosing this company. They do not let you cancel your policy easily. I'm told I must wait 8 months until my companies open enrollment. This is an extremely long time to continue paying for a service no longer needed. Also be sure to read all the reviews of Colonial life not paying as promised. This company is a scam.

I was sold a life insurance policy when I was in my 20s. The agent did not explain that it was a term policy nor did they explain how expensive that policy would become after the 20 year mark. Insurance policies often pay out a percentage of what the policy was worth if you cancel it. The agent also did not explain or disclose that this policy was not one that did that. After paying on a policy for 20 years and not being able to afford to continue it I canceled and will receive no benefits back. If agents had been upfront I would have never signed up.

Called 4 times because I needed to get into policy just to look it over. This is a policy through the workplace but was going to purchase extra on my own. After reading reviews I was thinking I probably won't get the extra insurance but then thought I may give it a try as I did have a good experience about 6 years ago. Long story short finally took a user id. Said ok log in so put my new username and pw in only to get the error that they were not correct but of course they were. I have been trying this for 45 mins and am done. If I can't get into the policy, I can't imagine how hard it is to get a claim paid the amount and coverage I was going to get was decent but can't take the chance!

To finish my review. Colonial Life lies to its clients. They refuse to return calls. They don't pay off unless the accident is at work or automobile. They only do live reps and they will only give you 1 minute to type your response.

I have not been able to log in to register on the platform to view the policy I signed up for almost a year ago (September 2023). I called to ask for help with registering, and the link that the representative sent me does not work either. The issue seems to be with creating a username. It kept telling me that there were issues with the username I would pick out, and so I spent about an hour changing it to different options that were good for me. I finally tried typing something completely random as a username several different times and that also did not work in creating a username (it kept saying there were problems with the username I picked). Really inefficient and likely to cancel soon, if I can't see my policy.

I was recently in the hospital for a few days causing me to miss 3 days of work. I submitted an online claim and after seven days (5 business & 2 weekend days) my claim was still pending review & approval. After day #3 of submitting my claim, I began calling in daily to ask if there was anything further needed from me. I was told very sarcastically (in my opinion) that I would have been notified if something further was needed. I had asked why the claim was still pending review & approval and was told that "We are very busy". When I asked the CSR if I could speak to a manager, they advised me that the Manager would only tell me the same thing. I held twice from 10 to 15 minutes trying to speak to a manager and finally gave up. I was very disappointed with the customer service that I experience and in my opinion, would not recommend them.

The worst dental insurance on the planet!!! I had cigna dental 31 years in Florida, never had a problem. I had a government job in Indiana and it was presented as an extra policy offering, it looked really good so I took it out. That was a major mistake. I got stuck with 98% of the bill and then they had the audacity trying to get me to sign a paper in the mail authorizing double my premium. Because that company's HR department was really weak, I could not stop the deductions out of my pay until open enrollment. I no longer work for the company so that is not an issue. At least it's my back tooth only, Long story short stuck with a temporary crown on my back tooth for about a year and it will stay there until the tooth breaks off and needs pulled.

I called in the January 4th to surrender my universal life insurance policy. I hadn’t worked for the company in 5 years and they were taking out the premium out of the cash value. I was sent an Adobe sign form. I was told it would take 5 business days to cancel. I checked in with the customer service through the online portal on January 10th. They stated they did not receive it and to fill out another form. I did this again and then checked in them again. I was told they received it. I checked on it again on January 16th. They told me there was an issue receiving the documents and they received it on January 15th. I once again checked in o. The surrender form on January 23 through the chat. I was told it was processing. I told them it had been 5 business days. They told me due to high volume it could take longer. I then told them that not one person I spoke to said any such thing.

I had an accident, I fell down some stairs. I went to urgent care and they told me to go to er. I spent hours at the er racked up a big bill and lost days of work. Tried to file a claim, it was too difficult to do. Wanted me to sent all the records by pdf. I don't have the ability to turn my paper records into a computer file and got no help from customer service. So I finally decided to cancel my policy. I spent 20 minutes on hold. Gave them my email so they could send me forms. He told me while I was talking with him that he sent me the email. I didn't get any email from Colonial Life. Terrible to deal with.

On the 28th of November I called Colonial to cancel my policy and was told that the payment wouldn't be taken from my account. Well they took out the payment anyway and now I'm going to have to wait until they cut a check to get my money back whenever I was told that it wouldn't be taken out and it caused my account to become negative.

I’ve had problems logging in since I first signed up for insurance! They’ve had my information wrong multiple times! I’ve had to call and fix it multiple times and you still can’t log in to the website to utilize the insurance! Don’t waste your money.. GO SOMEWHERE ELSE!!

We were visited twice today by the same independent sales rep during a very busy day. We told them we would give their card to the appropriate person and they would call if they were interested. They showed up again with a very long line. We are not interested in this service and this isn’t even our call to make as we are corporate. There is no info to reach out and get taken off the list either. We don’t have time for this nonsense. It’s so inappropriate to show up at a very busy place of business twice in one day. We are corporate and cannot even make a decision about this service. It seemed extremely predatory and pushy and honestly uncomfortable. If I could leave no stars, I would.

Wow, these people are the worst. We tried to collect these benefits after my wife was unable to work due to a covered illness. Not only are they not paying as agreed, but getting them to cancel it and get a refund of unearned premiums is extremely difficult. This was employer sponsored program. The sales person sold us on the benefits and how great they were, lies, all lies. I will cancel these policies at my current employer when they come up in January and I will not allow my wife to sign up with her next employer when she hopefully recovers from this illness.

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??