Colonial Life & Accident Insurance Co. Reviews

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.

I have had Colonial life for several years (over 15). I have filed cancer, sickness, and accident claims and have always got prompt settlements. I received notifications when my claim was received and also when they mailed the payments. The mail claims that I sent were usually about a 10 -14 day turnaround and the faxed claims were about half that. I am very pleased with Colonial life and would recommend it to anyone. Jim, Bryson City, NC.

Good luck trying to cancel with them. You'll get more run around then trying to make a claim! It's such a shame this company has no interest in being a good, trustworthy company. If they were, they'd probably get more customers and make more money. Not worth it!

My son had an accident on 3/25/19. I filed a claim on 10/8/19 and it was effortless. About 2 weeks later, I had money in account and multiple emails alerting me that the funds had been deposited. He had a bill from physical therapy that I was able to pay as well as help him with other things that he needed. I even received another payment that I wasn't expecting. They sent an email notifying me that I had another deposit coming my way. I hope they keep up the good work.

I got this insurance from work. I became sick with cancer and made a claim. They paid me less than the cost of one chemotherapy infusion and called it "a lifetime payout" and gave me the run-around about the documents they needed. They made it sound wonderful when I first signed up, that they covered everything but it was all a big lie!!! Example, they pay for "doctor visits," yeah a whooping $25.00...keep in mind you can only claim once a year for doctor visits. Basically, you can't rely on them during hardtimes!!

I experienced a heart related problem on 6/28/19. I was taken to the Emergency Room and ultimately admitted for a battery of tests. Upon my release from the hospital I filed a claim on 7/1/19 with their online website. Since then I have made 23 additional emails and spent nearly 10 hours on the phone with their various reps. I have been told by reps that I am due a payment of some $1200.00. However, 3 months later they have yet to send a payment. Every time I call to inquire they have some new excuse. They include "we had a building emergency had had to close for a day, We are under new management, Your check is going out tomorrow and we have no record that you ever went to the hospital." Meanwhile I am sitting on a hospital bill of some $9000.00. I spent another 2 and a half hours on the phone with them yesterday and I was told they are "reviewing" my claim.

I have been with this company since 2010. I recently had an in home accident resulting in a severe open gaping wound. I drove myself to the hospital to avoid ambulance/paramedic costs. I did not stay overnight as that would have cost another $5000.00. They did take me to surgery with anesthesiologist and surgeon. I do not have medical insurance because of the high cost (mortgage payment vs health insurance). My total claim came to just under $12,000.00. Colonial paid a total of just under $400.00 TOTAL!

Updated on 08/27/2019: I just called these crooks yesterday, according to them my claim was supposed to have been done at the end of business day yesterday (8/26/2019). I called today now they're saying it'll be done tomorrow (8/28/2019). I'm sick and tired of these incompetent crooks. If I don't hear anything back I will seek legal action.

This is a horrible rip off company. Once you enroll you can not cancel even though they tell you you can cancel within thirty days. Have to wait until open enrollment. Just a way to keep taking your money because they dont tell you any of that upfront.

I lost my husband two years ago, when this came up at my place of employment I thought this would be smart so my children wouldn’t have the burden of death expenses as I did! Unfortunately I didn’t check reviews, or educate myself before signing up. Shortly after friends and family said I was paying way too much for a small policy, I cancelled on July 23 and they are still deducting from my account. When I contacted them the first time they explained it may take 7-10 business day.... well another 14 days later another deduction! 22 DAYS and still not cancelled! I then spoke with a manager who claims he will expedite it but they are experiencing a large amount of cancellations and this is the reason for the delay.... I asked him “Doesn’t this raise red flags that your company is experiencing a large volume of cancellations?” Maybe they need to put changes into effect!!!! Very disappointing experience.

Our company decided to switch from AFLAC to Colonial Life this year and we will not be renewing with them next. I submitted a claim 4/5/19. About a month later I called to check on it. It's still being processed, call back in a week or two. Two weeks later, I call and the lady I spoke to actually tells me that my claim has been escalated and there is no one she can transfer me to, no one I can call and she has no information.

Helpful tip to anyone who needs to file a claim: scan all of your claim documents in yourself and upload them directly to the website. Do NOT fax anything. Don't have your doctors fax anything. I have several fax receipts from my doctor's office showing that her statements had arrived, she sent them 4 times over a 3 week period. Colonial "never received them, but it can take up to 48 hours" okay, well what about the exact same fax that was sent 3 weeks ago? Does it take them 3 weeks to process faxes? Apparently. I should be resting, but somehow end up on the phone with claims representatives every single day. It's just too much. It seems like no one is on the same page. Everyone has a different answer (excuse) to explain why I haven't received my money yet.

I have had Colonial for 15 years through my employer. Recently I have had two outpatient hand surgeries. I filed the itemized bills to get paid for my Outpatient Surgery benefit, that was not enough, I was told I needed an operative report. I got those, called today and was told it will take WEEKS to review. They make you jump through hoops, it's ridiculous. I met with my Representative in person, he was so lazy and didn't offer to help in any way.

I have been a policy holder for more than 15 years and boy and I sorry! I tried to withdraw some money and the process has been delayed time and again. It is now over 2 weeks since I placed my initial request for withdrawal. Every day it is one more thing to be done and internal hurdles to be accomplished before check can be mailed to me. To tie up someone's money is immoral, possibly illegal, and I am considering seeing an attorney. There is no reason for these delays especially since promises were made and broken. My advice to you is never buy any of Colonial Life's policies when there are thousands of other companies doing a much better and timely responses to customers' legitimate request!

While I got an initial payment they have yet to pay anything else. I’ve been put out of work through the summer while I undergo treatment and possibly surgery to fix the nerve damage in my foot, and because the doctor changed the date on my initial paperwork, Colonial wanted more proof of my continued treatment. What scares me is that they wait the full 8 business days and don’t communicate with you about the need for more paperwork. I’ve called and reached out to ensure they have all they need and am told “not at this time.” But come next week if they request more paperwork. It means all my bills are later than ever ... again. I wish I had known how difficult they can make things before I agreed to the policy, which is now in danger of being cancelled for nonpayment because I have had no income except their initial payment which didn’t even cover my rent.

So I ran into a wall while playing laser tag. Ended up breaking a tooth that needed a root canal and a crown. My Colonial accident plan paid me 300 dollars more than my Aflac Accident plan and the best part is it is half the price! Both checks arrived within 2 days of each other. The nice part was I got 2 emails from Colonial updating me on my status of the claim.

Please do not waste your time or money with this Company. I don't know how anyone can get away With straight up robbery. I've given my premium to this company through payroll deduction for seven years and every month they come up with more reasons to not pay out. Their latest reason is now they want office notes from my doctor and will be taking the $50 fee from my next check if I ever get it. They use medical recovery guidelines that they just make up at their own discretion. Like saying how I should be recovered from spinal stenosis and degenerative disc disease in 8 WEEKS. Do yourself a favor and put away as much of your own money as you can. Because you will be handing it over to these criminal just so they can invest it and never give it back to you.

I was taken out of work on 4/04/2019 for medical reasons. I just found out my claim was denied on their website. No reason given. I took this out through my job to have a peace of mind if I was ever to get sick. Wish I had read up on this Colonial Life before I started wasting my 66.88 monthly premium. It seems like every review I have read is the same. They take their sweet time in the claims dept. then you find out after the 10 days you have to give them they have denied your claim and no reason on the their website. I am going to seek an attorney to handle this.

Wished I read reviews before I opted in. Save your money, go elsewhere! I'm having the same issue as others on here. File the claim, submit all paperwork, Colonial says something is missing. Resend, form "not complete". Have doctor refax and they say they have everything. Receive a letter dated the same day saying information is missing. Doctor's office calls, supposedly everything is complete. Guess we will see in a few months.

Sustained a life changing accident Nov 2018, Traumatic Brain Injury and severe neck injury. A traumatic brain injury takes longer than 4 weeks to heal. (They claim 4 weeks is long enough) I have multiple test proven Deficits from this injury and Colonial Life without notice discontinued my 6 month short term insurance at 10 weeks! After multiple attempts and letters from my Doctor verifying I am still TOTALLY DISABLED, Colonial Life has not made a payment for THREE months now. Extremely disappointed.

I have a couple of supplemental policies with Colonial Life and I file our wellness claims for them every year. They payout quickly and just as described in my policies. The only policy I've filed a non-wellness claim for is accident, and I've filed a few. The experience was easy and paid just as my policy indicated (office visit, xrays, medical supplies, etc). I know a couple people at work who have also had this kind of positive experience with the accident plan and wellness claims.

Work in a financial institution so I watch my money, yes watch my money fly out of my pocket with "Colonial"****scam****rip off**** Had them for two years and even after I cancelled they still got a extra payment.

Had outpatient surgery which was covered under my policy. Submitted my claim on 12/10. My doctor faxed in the paperwork to Colonial, and they were awaiting paperwork from the surgery center. Two weeks pass, then Colonial said they received the surgery paperwork but not the doctor's. Doctor faxed again. Then Colonial said they have it, but not the surgery center's. Three months have passed now, claim not paid, but not denied either. Doctor faxed paperwork four times and surgery center twice. I'm contacting the insurance board. They'll take my premiums in a timely manner though!

They get one star because it was required that I give them at least one star. I have never in my life dealt with an “insurance company” like this one. We have this coverage because my husband’s employer offered it with a subpar health plan. (Around 10 years now). I have yet to file a claim without additional information needed. I have had several surgeries in the past and most recently had a skin graft to cover the removal of a skin cancer. The policy states in black and white that a skin graft is covered. (Also, prior to this, I of course had several biopsies to determine what this skin cancer was...the policy states that a biopsy is a diagnostic procedure. They told me they could not locate a diagnostic procedure I had, so I needed to provide more information).

I purchased a cancer policy through my work. I was convinced to drop my Aflac and go with Colonial because it was so much better. 8 mths later was diagnosed with cancer. Trying to get my payout that is promised at diagnosis was unbelievable. Aflac never treated their customers the way I have been treated. I got mixed messages every time I called. I was told that I was not the only customer with cancer and constantly talked down to when I was saying I needed the payout to pay for my treatment. The customer service people were horrible and rude. I would not recommend this company to anyone. I have no choice now but to stay with them because I have cancer but I wish I would’ve stayed with Aflac. The way I have been treated makes me not even want to turn in a claim because they treat you as if you are a beggar. It is a horrible company.

I have had an accident and critical illness policy for 2 years. I have filed Wellness claims each year on myself, my husband and daughter and have had the money in my account 2 business days later. I also filed an accident claim when my husband was in a car accident. I provided all of his hospital studies and follow up visits and we were paid $665 within 2 weeks. The accident coverage has a specific amount that they pay per injury or test and it was spot on. So far, I highly recommend. I hate seeing all the negative reviews, but I do have to say that some seem to have filed the claim incorrectly?

The claims department canceled my claim once I made it to the 2 weeks mark of being injured and they owed me. They tried saying my policy doesn't cover an accident at work when I signed up for an accident policy for any location and the customer service representatives I dealt with up to the 2 week mark all confirmed that yes, my policy covered accidents anywhere so unless you fight and push for what you paid for they will just tell you that aren't covered and screw you out of what you are owed. It's almost a month and I still haven't gotten my money plus Christmas is in a couple weeks... find insurance elsewhere because this company is a RIPoff. Hell I even updated my direct deposit 3x and their system still can't put the right numbers in.

Well I used to managed 2 gyms in Washington State and while I was managing we had a rep from Colonial Life come in to sell me and attempt to sell all my current members policies. The gentleman was great at his job and I gave him the opportunity to sit with me which by the end thought that "This accident policy is a no brainer" and purchased it for very little money per month that came directly from my paychecks. I also allowed him to leave his brochure and card for our current members to look at if they so choose to. Fast forward 4 months later... I was in a severe ATV accident where I had lacerations to my face, shattered my nose, tore my trapezius muscle and partial shoulder. Not only did I have to go through all of the x-rays, MRI's, sewing my lip back together much more pain than one should go through but I also had to miss weeks of work for obvious reasons.

A follow up to my last post... They get the request to correct Dr. and I keep asking if they got my records and they wrote "No" in their email. They were looking in a queue for documents coming from a fax that had an area code of "567"... That is not even an area code in my state. They finally get the records and deny my appeal stating that my policy from 2013 did not cover my illness. A new law was passed in my state covering my illness and stated my illness could not be denied. However after some creative searching I found a policy statement from Colonial saying that they update polices when the state the policy was taken out in changes.

Updated on 12/04/2018: Update on my Mass Short Term Disability- Massachusetts: So as my previous posts- this all started in August. After my second appeal was denied I got Sothers involved and the Div of Insurance. We filed a complaint with the Div of Insurance and they sent it to Colonial Short Term disability. Div of Insurance with the help of others got this out to Colonial in 2 days. I got an email from Colonial saying they received the complaint from Div of Insurance and they had until 12/11/18 to respond. I wish I could say names of officials who are helping me but can't. They have been incredible. Today I go into account and there is an email dated 11/29/18 denying my claim again based on information received in Oct. They listed all the dates from my Dr. I call the 800 line and play dumb to claim rep who proceeds to read me what the letter sent to me said while I was looking at it but she did not know that.

I wouldn't recommend Colonial Life to anyone. Not only does their claims department not know what's going on, but the sales and service reps are not responsive and won't return your calls until days or weeks later. I've been trying to have a simple $80 dental claim processed for two months, but every claims rep tells me something different. After reaching out to my dentist, I found out that no one from Colonial Life has reached out to them at all regarding my account, even though CL said they'd reached out to them multiple times. I'm expecting that my next claim will be as much of a ** as the current one has been! I just asked my employer's accountant to stop payroll deductions for all of my policies, because I'm receiving nothing from this company at all.

I've read through A LOT of reviews with Colonial and almost all of them were 1 star reviews. I'm enrolled with Colonial through my employer, I personally have never experienced any bad customer service from the customer service reps. I will admit that it does take some time for Colonial to process your claim but I can't put all the blame on them. I can't speak for everyone but what held up my claim was that they (Colonial) requires that your paperwork be filled out to the 'T.' My doctor wasn't completing the paperwork as thoroughly as Colonial wanted which held up my approval. My accident occurred in Oct/17 and I didn't receive my entire payment until the middle of Dec. To some that may not be a long time but for me it was, especially with bills that were now becoming past due. Once again not ENTIRELY Colonial's fault but their approval process can use some work.

The WORST customer service as stated in other reviews. In addition to unprofessional and unknowledgeable customer service, they WON'T pay out for my short-term disability claim (of which I've had money taken out of every paycheck because their representatives were oh so CONVINCING at my work) that meets their standards (dependency on prescription medication). Also, they are making me jump through hoops for my APPEAL, and the supervisor said there is an appeal form to send, yet I can't find it online anywhere and customer service has NOT been helpful thus far. DON'T GO WITH THEM!!

Since May of this year, I noticed my weekly life insurance premiums have almost increased double, and I've only had them for less than year through my employer ** in Los Angeles. I've contacted them three times and they will blame your company corporate office and after having my corporate office tell them it is not their error, it is Colonials, they still overcharge every paycheck.

It's been almost a month and still haven't paid. They asked for more information even though they had it. Any excuse to not pay and wait till the very last minute to update anything. They must only have one person working in the approval department because timely isn't in their vocabulary. If I could I'd drop their insurance but it's through my work. Though it's not like they have the most brilliant people working to get us the best insurance either. So I guess you just have to deal with what you got.

They are the worst at paying any claims. Initially they took about 48 hours to pay the claim. Once I submitted for my cancer policy it took them almost 2 weeks to pay my lump sum and their after each claim takes approximately 7 business days to get paid and this does not include the day you submit, holidays or weekends. I placed a claim on the 18th of July and on the 25th of July both are still not paid. I have called numerous times to be told originally yes it will be paid Monday the 30th, called Monday as payment was not posted and got "oh this should have been paid, I am putting a rush on the payment and this should be paid within 24 48 hours," Tuesday, no pay.

I signed up with Colonial Life during open enrollment with my employer. The rep that signed us up, made the claims process seem very easy and hassle free. Well that's surely was not the case. Colonial Life processing time is very slow, you can't even speak with the individual who is processing your claim, you have to either speak with a call center rep, who usually knows nothing, or you have to submit an email, and wait 24 to 72 hours for a response. If they do respond by email, it's a generic email template, and your concerns are not even addressed in the email. They make every excuse not to pay you on the claims submitted. Very unprofessional company.

Work switched to this provider and we had no other options. They never set up my account correctly, I was never given an insurance card, the login information doesn't work, I have no idea what my policy number is, but they sure as hell take my money every check. Their website takes you in circles, and when you call their call centers you're told to either know someone's 5 digit extension or hang up. They don't have operators or an automated help menu. I input my policy information from work and they tell me there's a problem with my account and to call some number, but they won't help me until I log into the website first. Went to the dentist and set up an appointment because I need emergency work done and then I'm told the day before that the information they gave me at work is no good. Been paying some form of dental insurance for the past 7 years and I have yet to be able to use it.

In 2016 I added my husband to my account. During open enrollment in 2017 our Colonial rep and I supposedly removed him, not so they said I had to remove him during open enrollment. Again during open enrollment 2018 I signed papers removing him. That was May 3rd. It is now July 24th. I received a letter stating it is a pretax deduction so I can't remove him.

I completed a form to deduct my life insurance premium monthly. Instead Colonial Life took 6 months of payments out of my bank account, leaving me without gas or grocery money. They refused to refund the overpayment back into my account. I was trying to do the right thing and protect my family and was forced to go to a food bank because of their mistake. I feel humiliated.

If I could give less than 1 star I would. This is the WORST company I have dealt with. They make the health connector look like they know what they are doing. I have NEVER written a review about a company before, whether good or bad, but this I had to do. I do not want anyone to go through the headache I went through. I wish I had read these reviews on here before signing up.

I decided to cancel this policy in early May. After my initial phone call, I was told I would receive a letter via mail within 3 days. It did not arrive and meanwhile, another payment came out of my checking account. I called again, wrote and emailed and yet still today, 6 weeks later, I got a letter confirming my desire to switch to quarterly billing, not monthly! My bank has been very helpful with blocking any further debits from this joke of a company. I am sure collecting on any disability claim would be a total nightmare!

My friend has Aflac and suggested I get an accident policy which covers my son who plays 4 different sports. My friend always gone on and on about the wonderful, fast service she gets with Aflac. I added Colonial Accidental Insurance through my employer. I've filed with them so far 4 different times and each time I've filed a claim it took 2 weeks or more for the claim to be reviewed and paid. 2 of the times I filed, if I wouldn't have called, it seems as if the claim would've never been processed. It is RIDICULOUS the amount of time it takes for them to review and pay claims. CHOOSE AFLAC OVER COLONIAL if you prefer to have claims that are paid within 3 business days. I will be leaving this company as soon as my enrollment period through my employer opens. They also DO NOT PAY FOR X-RAYS, MRI'S, OR CT SCANS, but Aflac does.

Company does not (or at least says they don’t) keep notes when you call in. Customer service told me they did not have changes made yet I have received emails from them confirming. If they cannot get your information correct, would you trust them to pay your claim? Left message for my agent to call and he has not returned phone calls.

It is extremely unfortunate to find out that Colonial Life refuses to to pay out on a Short Term Disability claim, after it was determined that spinal surgery will be required after an MRI revealed that damage to my spine was far worse than anticipated. The reason for their determination was that I had sought the advice of a medical professional to the extent of damage and advisement for surgery. This surgery was a necessity but the effort for the Colonial Life representatives to gather, complete and submit this claim at the local level was completed and submitted expeditiously, but at the HQ level this final determination was also made expeditiously. It was apparent that the fine details were left out until after the fact.

I signed up for Colonial Life because you never know what life will throw at you. Unfortunately I was told I needed a hysterectomy and they set my surgery up right away. Not having time to save for being off work up to 6 weeks put me in a panic. Then I thought I would be ok because I have Colonial Life. Boy was I wrong. I would only be paid for the night I had to be in the hospital which only comes up to $100.00. Are you kidding me? What the hell is $100.00 going to do? I have a house payment, lights, water, car, insurance, cellphone, groceries, 2 children, and anything else that happens to come up in a 6 week span. I'm a single mother who lives check to check anymore.

I had surgery on 4/18/18 and have yet to receive my payment from Colonial STD insurance. I sent my paperwork off in a timely manner and few hours before my scheduled surgery since I knew I would be on bed rest. I spoke with several reps that told me this was okay. Now I'm getting the run-around about post-op notes that need to come from the doctor. Since they must verify I actually had a surgery on the 4/18/18 date. Do they actually think my kids, bills and life revolve around them playing and dilly dallying with my money. They didn't have a problem getting my premium each month. But now I have to deal with them daily for another lie to be told to me by a rep.

Extremely disappointed in the service of Colonial Life STD. I submitted a claim for a medical necessity. I had to have a hysterectomy back in February 2018. I’ve spoken with at least a dozen or so reps and one person will tell me that my claim is being processed then the next day I would call to see why they have yet to process my claim and was told they are unable to locate all my medical records that were sent.

I purchased Voluntary disability benefits a year and a half ago. Also I purchased accident insurance. I knew that in the future I would be wanting to get pregnant. I knew NYS disability was not going to be enough to live off of during maternity leave. In the meantime I was diagnosed with an auto-immune disease and had to have a thyroidectomy. It would take me out of work for 4 weeks. I called my representative and he faxed the forms I would need right to my place of work and gave specific instructions as to how to fill it out. I am on leave still and today is Wednesday. I called Monday to see if everything was in order and they stated yes. The check would be sent out on Friday.

20 days later still no payment - I put in a claim. I was in the hospital for 6 days. No payment, no calls even though I was promised a response in 48 hours. I sent all requested documents per our agreement. Now they are waiting on the hospital to respond per supervisor. They spoke to the hospital and don't want to pay the price for medical records. SMH. Pay me I paid for coverage... Thanks for nothing.

We had a Colonial Life representative come into our workplace selling their insurance to first responders. I’ve been in the field for approximately 17 years and recently got diagnosed with post-traumatic stress disorder. I was hospitalized for about nine days. It’s going to be a while before I get back to work per the doctor’s orders. I filed a claim while admitted at the hospital and got denied. I was never contacted by Colonial Life Stating that I was denied. I found out when I called to check on my status. I was told by my doctor that post-traumatic stress disorder is diagnosed sickness. Colonial Life refuse to accept my claim due to my PTSD diagnosis. Is there anything that I can do? Thank you.

I have been trying to get my disability claim finished with colonial life since 3 4 2017 and they keep asking me for bogus information that they really don't need to have and they just keep giving me the run-around. I just had back surgery due to the fall that happened on 3/4 2017 and they tell me today that they can't pay me for the surgery. Has anyone else had any bad experiences with Colonial Life Insurance?

Let's get the positive out first. Colonial Life agent for our company is a great lady. Now the rest... I believe that Colonial Life goes with the let's deny and if they call put on hold and disconnect as their standard operating procedure for clients. SILLY things like, "We can't process your claim" and "It's denied because no treating doctor is specified" (ok I was in the er and the er doctor was signed on the paperwork, which I supplied, as er attending physician signed electronically.) NOW the rest of the things... Wait, wait, wait. We will hold your claims until you forget. I supplied on a hospital stay for a grade 3 head injury over 100 pages of paperwork and was given a quick hospital stay $$$ and maybe then I will think it's done.

Supposed to receive a benefit of 1500 a month for verified work time off due to illness or injury. Even with verified completed paperwork from Dr and physician they are only paying me 350 to my surgery day. Then they say they need further verification. The information they have clearly says I will NOT be back to work until the earliest 02/12/18. So after I am cut 5 ways and in severe pain once I'm released from the hospital and if I'm not already set on the street I have to muster the strength to get them more information that they ALREADY HAVE. They debit my premiums from my pay effortlessly. They should pay my claim the same way. CANCELING ONCE THIS IS OVER AND DRAGGING THEIR NAME TO ANY AND EVERYONE WHO'LL LISTEN!

I am so fed up with Colonial Life trying to cheat me. I cancelled a policy one week after I opened it. I am tired of getting the run-around. Tell me I can't cancel the policy because it's part of a flexible benefits policy. Time to lawyer up!

I was injured on July 29 2017, my surgeon filed paperwork in August. I sent Colonial an email to check on my claim and was told it take 8-12 weeks before I would see a check. I checked back in Dec and was told there was no record of my claim and my policy lapsed. Now I get the lapse part I let the policy expire when I left my Job in Aug, but the injury happened when I was still insured. I have refiled the claim and now I'm waiting to see what Colonial does but so far they have been very unhelpful.

We had a rep. come into our work the end of September 2017 to try to switch us over to their insurance. I work for a corporate veterinary office that associates itself with Aflac insurance. I'm a newer employee so I did not have insurance but many other employees had Aflac coverage already. Many of us decided to get policies through Colonial because we either had bad experiences with Aflac in the past or didn't have insurance.

I called them 6/30/2017 about accident insurance I have with them and what were the procedures after my husband had an accident. The agent was not helpful at all. I told the agent I never received my policies and on my online account it does not let me see it. I try to get her to help me and she was very unhelpful. I mention that I have Critical Care, Accident and Short Term Disability and Long Term Disability and she said that the only policy I have is Accident. I told, "How could that be if I have been paying over a 6 months for my policy." No help. I got my policy thru TrueChoices program with Schneider Inc. trucking company. They are a rip-off. Save your money in a Saving account. We are making these insurance company richer. Will be talking to a Lawyer.

Biggest crooks & liars - they make the U.S. gov. look like angels. I signed up for 50K life insurance for me and 50K life insurance for my wife. They thought it was cute to give me 100K and my wife 100K. I never noticed it until they cancelled my wife's plan for some unknown reason. After paying in over 2.5K into my plan, I cancelled services... Which I had to call in twice to do so because they could not even cancel my services right the first time. I had mentioned my dissatisfaction on every single call... On multiple occasions and they simply do not care a single ounce. I am still surprised on how 100K each got approved when I signed for 50K each. Now that I am finally cancelled, I will have my legal counsel look further into it. I will need to call in for a 3rd time to ask for proof of me signing for 100K. DO NOT DO BUSINESS WITH THESE CROOKS!

Old saying... If it sounds too good to be true, probably is. I have A LOT of complaints but main one... Salesman told us (employees) our insurance premiums would be paid, medical and Colonial Life premiums till went back to work. Because of the way they pay, I had to go back to work before Dr recommended. I get my first paycheck from work of $0.00... Was told I owe $3600.+ for my insurance that was never paid while I was off... Not just my medical but the Colonial premiums as well. So no paycheck for 3 more weeks... But still gotta work. Am so upset, I would not recommend this insurance. Remember to read fine print for sure... If there's a loophole to get out of paying, they will find it. BEWARE...

Colonial Life goes through patients files and reimburses for what ever is the least amount they have to pay. I filed for a reimbursement for a mammogram (reimbursement of $400.00). They paid instead for an office visit (reimbursement of $50.00), which I never filed for. Looks like I'm not the first and won't be the last, Rather go to some other more honest company, wherever they are. What a rackety scam!!!

In Dec of 2015 Colonial sent me correspondence saying I could continue my disability coverage. I called and told the rep that I was no longer at the company where I got the coverage. I was told no problem. I then told her I was still suffering from the same ailment, again she said no problem. I send in the premium, send in the paperwork, they deny it saying they had paid full payment (one year) on this claim, which they did. I am able to go back to work for a short time, can no longer work. I have a new ailment I send it in, they deny it, saying I had not worked a job since last ailment. I told them this was false, then they said, "well if you're not working now, you must have two of five activities of daily living which you cannot do and must be under regular care and you are kept at home".

I would like to add a positive review after reading so many negative ones. I started this policy through my previous employer about 12 years ago and have used the short term disability claims twice now. After changing jobs twice, policy about me with no issues at all. The monthly price has never increased. The first time I had to use this was soon after I bought into this plan. I was diagnosed with cancer. Then at the beginning of 2016 when my rheumatoid arthritis got to the point where I could no longer work. I have had nothing but good experience with this company.

I purchased this voluntary supplemental disability insurance through Colonial Life to supplement my std provider of Liberty mutual if I ever had to go on short term disability. My premiums came straight out of paycheck and were always paid on time. Unfortunately, my doctor put me out on std from Jan 2016 through March 2016. I filled out every form correctly and always had my doctor submit the requested paperwork. I received payment from Liberty mutual quickly, but it is now Dec 2016 and I'm still waiting payment from Colonial. My doctor has sent paperwork in three different times and then they come up with something slightly different each time. They wanted all diagnosis and lab tests/results and 20 plus pages were sent in on 2 different occasions.

DON'T PURCHASE A POLICY FROM COLONIAL!!! My wife and I purchased a disability policy for her in case something happened we would receive benefits if she was out of work for an extended period of time. We have paid for the policy for almost 10 years and have only been able to use the policy twice. Once for maternity leave and the other was when she had a hernia and was off work for six weeks after surgery. We have filed claims for other time off due to medical issues but have been unsuccessful in getting paid. Colonial gives the same song and dance every time - paperwork not filled out correctly, time was not within grace period, or benefits are not available based on the documents given.

DO NOT BUY INSURANCE FROM THEM!!! I purchased a short term disability insurance through my professional organization with a two week grace period and a weekly premium. Prior to having surgery I called Colonial Life and received forms. I filled out my information and dropped off the forms to my physician and employer prior to surgery (less than one week prior). I of course presumed all was in order and after getting out of the hospital just assumed everything was in order.

I read several bad reviews for Colonial Life. But I followed the steps, filled out the form, my doctor filled out his part and my employee their part as instructed. No problem. I was very pleased.

Husband had been seen in 2015 for left shoulder pain, got mri and ** shot, pain got better, never went away. May 2016 throwing hay, heard a pop and could not longer use the arm. We thought is was just aggravation of the arthritis, however this severe pain and lack of use did not go away. 6 days later pain so bad, went back to doctor. Due to pain and the office visit where doctor doing palpitations, he did not feel MRI was necessary and felt surgery was better. Did surgery, found a tear, and did some scraping.

This was finally resolved after I tweeted to the CEO and my payment was posted and my claim was finally processed.

My husband called for a Life Insurance. The advertisement on TV said, there will be no medical examination to qualify for insurance. All information was given to your company. Lo and behold we were told that he did not qualify for coverage because of a certain medication he was taking (for heart disease). Boy do we play with words. You did disqualify because of his health. We can read between the lines (not truthful).

I added my daughter to all my claims. All the sudden she is not on the hospital one. I informed them I believe she will be having surgery a month and a half prior asking about my benefits. Was told I would get a call back the next day from Michael **. He never called. I called the office over 12 times leaving messages. Called his cell over 9 times. I had it finally got a hold of him 4 days after her surgery before it was even scheduled. Remind you I've been trying to get a hold of him. Asked him why he never called back. He was dumbfounded then asked him "Well why didn't you add her to the claim back then?" He said "Well I could have." Yeah that's right he could have but to his negligence in the company he works for he screwed up. I will let the world now about this man and this company and how this is a complete money sucking scam. Don't do business with this company. I will be going to channel 3.

Colonial made me jump through hoops, and re-provide info that I had already provided (calling it "reverification"), then they went out of their way to make the process as difficult and drawn out as possible... Now they have decided my illness is extending beyond the "reasonable recovery period"... Are you kidding me? Now an insurance company can decide over my doctor when I'm healed? Give me a break. I truly believe they make people do this in hopes that they will give up and go back to work before they are healed properly - but not me, I will be seeing this through to the end. They got their money from me every payday, and I expect to get the services I paid for.

I left work on May 27, 2016. I had a new hip put in on May 31st. They sent me my first check of $3800 on June 14th. They really came through and I am still waiting for the State, due to a glitch. The rules are pretty straightforward. You can download the form, fill it out, have your work fill it out, then drop it off for your doctor to fill out. Then pick it up, fax it in. You will get calls and emails saying they are processing it. It seems like most issues people are having are too grey areas, etc. I feel bad for many of you as I know how tough it is. Rules are rules, and there is no exceptions or judgement calls.

To work one morning and that early evening before finishing my day I apparently had a mental breakdown. From that moment my life was turned upside down. No work and insurance no good. Aug. 2004 date I have tried in past to get help but failed. I stayed locked up for month between the jail and evaluation. I never did nothing to deserve what I had to insure. I was medicated to zombie state. I could not work and my insurance said due to the nature of the illness no money was paid.

Colonial in my opinion is the worst company with no compassion for its customers. I filed a accident claim and the total bill was 750.00. This company only paid out 50.00. My co-pay on both bills was 50.00. This claim will not even cover the premiums paid. How is that showing concern for the consumer? They put you through the ringer trying to get money that you paid into. My entire company Mecklenburg County NC is dissatisfied with Colonial Life. If I had to recommend a company for insurance, it would not be Colonial Life.

I have been paying for my insurance through my company since 2013. I had back surgery in 2015. Colonial played me for a year. Problem is doctors would not let me go back to work. I've been paying insurance out of pocket since October 2015. Had to get back surgery in February 2016. At first they denied claim stating I had lapses in coverage. Their mistake, they fixed that problem. Then I was told the surgery was the same which it was not. Now I'm getting the runaround. Colonial want your money but that does not stand by their commitment.

I purchased Colonial Life Insurance for disability coverage in March 2014 through the professional organization to which I belong. In January 2016 I went to my PCP with complaints of neck pain and tingling down my arm. She felt I had a pinched nerve and ordered X-Rays, muscle relaxants, OTC pain relievers and time out of work. After a couple of weeks of this regimen and no improvement, she referred to an orthopedic spine specialist who confirmed through MRI that indeed there was nerve impingement and spinal stenosis. I haven't worked since my initial appointment as I was instructed not to by my MD and have also had two steroid injections. I decided to use the disability insurance I pay for to help cover my expenses. The nightmare is beginning in the first phase of filing a claim: submitting the forms from my physician, my employer and me.

Bought short term policy for $50 a month. Had surgery 5/22 and even though there was a ton of paperwork to fill out and to fax, they mailed me out my check fast on 5/2. Think that was really great for me. Had no problems.

I signed up for Colonial life short-term disability back in December with my job. In March I was diagnosed with HIV and extreme depression. Colonial denied my claim saying the depression that came with the HIV diagnosis was a pre-existing condition!! I can't wait till open enrollment so I can drop these crooks!! And I'm sharing my story with everyone so they will lose potential business.

WARNING!!! STAY AWAY FROM THIS COMPANY!!! Here is my story. I have been a loyal customer with this company since 2002. My policies cover my entire family (wife, 2 sons: 16 and 3 and a daughter - 17). In 2009 I added additional disability coverage for my 2 oldest kids (my 16 yr old and my 17 yr old). Both of my kids play sports and my oldest son will be playing on a Div 1 collegiate level so the additional Colonial disability injury benefit seemed perfect due to any injuries that might happen.

If leaving no star was a possibility, that would be my selection. I have paid monthly, out of my check, for a Colonial Life policy. The representative that came to my place of employment said if I had to miss work, Colonial Life would make it less stressful by covering my days missed after 14 days. Colonial Life has done the opposite. I had emergency surgery in October 2015. I'm being denied "for pre-existing condition". Never had gallstones in my life but somehow they find a way to say my surgery was a pre-existing condition. My suggestion to anyone considering giving money to this company - DO NOT. I've opened an account for myself and put the amount I was paying Colonial Life into this account. That way I know I'll have the financial coverage if I should ever need it again. Not sure how the employees of Colonial Life sleep at night. They should really worry about karma.

My employer had Colonial Life Insurance come in to explain to us about disability and life insurance and to see if we wanted to sign up. The representative told me to put in all of my information JUST FOR A QUOTE. After I did so, he told me about the different plan options and I said I wanted to discuss with my family. He then proceeds to tell me that I just signed up. I was confused and angry because he clearly deceived me.

Colonial will look for the smallest thing to deny your claims! I had knee surgery for a torn meniscus and torn cartilage. They denied me telling me that: 1. I did not have coverage still after 10/1/15 and my accident happened 07/01/15. They later realized I had coverage since 10/01/13. THEN they tell me that neither my doctor or myself mentioned the actual date of my injury, to the actual day of injury. Any little excuse to deny benefits, please avoid at all costs!

They can never give you a solid answer. In eight years I've used them twice and it was horrible. They rip you off but yet paying $300 a month is ok with them. They told me how to file a claim and emailed me the forms. Then a month later deny my claim. Busy. Will text you when I can. Saying I filed it incorrectly. They were the ones that provided me the forms and the "how to" and I get dinged for it! Still have no money!

I requested a change in my policy coverage in October. The policy change was finally made, but the refund (a few hundred) I am owed has yet to be determined. It is evident Colonial Life cares nothing about their subscribers. Inter-departmental communicate is poor and laden with faux pas, no one is willing to take ownership of an issue, and customer service is non-existent!

I would never recommend this company for secondary accidental insurance. It has been over six months since I filed a claim and have been treated poorly by the customer service on every phone call. I have done everything more than once and contacted my doctor office numerous time to get the paperwork Colonial request. I don't get any replies regarding the claim, they absolutely will do nothing to help getting Dr information regarding patient files. This company isn't concerned about paying a claim for the client, they just hope to prolong enough until the client gives up.

PLEASE, PLEASE don't waste your money on this company. I'm sure management spends nights dreaming of ways not to pay claims. My example was seen in fall of 2014 for left knee replacement. Was seen in fall of 2015 for an injury to my RIGHT knee which required a surgical repair. Contacted the company to verify coverage twice to be sure I had coverage etc. Was assured there would be no issue as it was not the same knee or same issue. Claim was denied. Seems since I have 2 knees it was considered a bi-lateral problem. Told the same was true for ankles, hips, lungs, breasts etc. Management was very sorry I was given incorrect info, saying the reps we speak with are not knowledgeable in this area. Dah...

My husband and I have Colonial Life accident and sickness thru our work (which comes out of our paycheck). My husband had to go in for surgery in July and we filed the claim. It is now Sept 1st AND WE STILL HAVE NOT RECEIVED OUR CHECK! Claims keeps dragging their feet. They have every piece of paper from the full application to Dr visits and notes and all reports and still will not release a check. We are seriously thinking about hiring a lawyer. Don't waste your money! We told our company about this and they since then have dropped Colonial and are now with Aflac!

Colonial in my opinion is the worst company with no compassion for its customers. I filed a short term disability claim and they take their time paying. This company waits until the day that they suppose to pay you to ask for more information. How is that showing concern for the consumer? They put you through the ringer trying to get money that you paid into. My entire company is dissatisfied with Colonial Life. If I had to recommend a company for insurance, it would not be Colonial Life.

I had a disability policy with them for over 4 years. When I went on disability I realized then what 30 days means. You have to be disabled for 30 days before they pay anything. I was not it was for three weeks. I cancelled my policy. They took it out of pay twice after I cancelled, after the second time I called and they said they "forgot" to send the file to my employer to cancel, and I would be refunded the premiums. They finally sent a check 3 months later for only one premium and now I am being told that the first payment I will not get because they need 12 days to cancel a policy and it was only 11 days!!!

I contacted Colonial Penn cause they claim that you will not be turned down for any medical reasons and I filled out the applications and 2 weeks later I received a letter denying me. Why? Cause of my health. Who can I contact to file false ads and denied me, help!

Well as we all know insurance companies are in it for one thing and that's PREMIUMS... Colonial Life & Accident Insurance is no exception. So I have a sickness claim filed. I submitted all the proper documentation, including get this the most important one of them all is the doctors portion. I was told it takes 7-10 days to review any submitted forms. On the 10th day I was mysteriously told I need more info. Now me just guessing I figured it would be an issue, lmfao!!! So I called on the 9th day and checked the status of my claim. Ironically due to them having 7-10 days they couldn't pull up in their system that I needed additional info. Now I wish I could tell you a different outcome of your stories and mine but I can’t... No one as human beings is immune to the tragedies, or disabilities, or the outcomes of life. Yet we put our $$$ into companies who could care less. In other words," **, pay us" !!!

One of my employees had AFLAC for many years, and they always paid claims promptly and without problems. Then last March an Agent for Colonial life convinced her to switch because they "offered more and it was cheaper." She had a complete knee replacement surgery in November and they are refusing to pay, calling it a pre-existing condition. She has sent records, appealed, had the doctor write a letter. It is now February and they still have not paid. I feel that the agent should not have sold her the policy, or the company should pay the claim. I am warning my other employees about this.

I purchased the cancer policy over 15 years ago through an employer and kept the policy even though I changed jobs. We have a high risk of cancer in my family so I thought it’s prudent. In Nov 2014 I was diagnosed with cancer. I called the customer service group to ask how to submit my diagnosis and what the benefit would be. She walked me through the process and was very helpful.

This company will hire you, ask you to bring new agents, train them, bring new accounts and then will terminate your employment for no reason just to steal your accounts and agents. Noel ** TM, has done many sneaky & manipulative things to drive away his agents. He has also done many deceitful things including moving managers from one to another for his own gain. He has no integrity and I cannot believe the company supports his actions. I brought in almost 100 agents and they have all left.

I was told by my rep that I would be paid in full for 2 months due to surgery. However it took 20 days to receive only 200 dollars. Then I was told that I would not get another check until my employer verified I was still off next month even though my doctor gave them my 2 month off minimum. I am very dissatisfied. I am going to tell everyone I can about this.

As I write this review, tears are flowing. I can't believe I was scammed by Colonial Life! I signed up for short term disability and life insurance for my daughter and I in January. I end up getting pregnant a month after and was happy I had signed up for short term disability because my job did not have a paid maternity leave. My son came early and because of his premature birth, I was denied my short term disability. According to Colonial Life you have to be pregnant at least 9 months and it have to be 9 months after the date you sign up. I did not chose to have my son early but it happen.

Been off work since June 9, 2014, with cancer, diabetes and epilepsy complications. Filed all paperwork, received only 2 weeks work of disability, $840. They sent me a letter telling me they need more information from my doctor, doctor filled out all new paperwork sent to them on Sept 17, checked upon my claim status 10/6/2014, no action has been taken, they owe me, $5400 as of today. When I call, they put you on hold for 1-2 hours, when they do answer before that, they tell me they have no information.

When I was getting signed up for a hospital confinement policy, I was told by Sherrie ** that I could cancel at any point after we had our baby. To just let her know and that she'd take care of it. I was under this impression during the entirety of my policy which I had for over a year, that I could simply cancel at any point. When I tried to cancel my policy, she then said that I would have to wait another 6 months, and that she can't cancel me. I asked her why she told me and other employees who signed up at the same time that we could cancel at any time and she was evasive and wouldn't answer the question directly.

My husband has had a policy with them for three years. I have sent in claims for accident and disability and got paid very fast. I have never waited over a week and a half. You have to send in the proper paperwork when you send in the claim form. The customer service reps are very helpful and professional.

My ex-husband, husband at the time, were joint managing conservators for our grandson. Troy, my ex, took out life insurance with me as the beneficiary, to make sure our grandson would always be taken care of. Probably had policy since 2007. Troy got cancer Feb. 2014 and passed in July 2014. We divorced in 2011 and at that time asked our rep. with Colonial, Ken **, if we needed to change the beneficiary because of the divorce. Ken said, "NO, everything was still ok." There seems to be a stupid law in Texas that if the beneficiary is listed as wife and you are divorced, it is void. But of course no one tells you this and it was not our practice to read law books in our spare time. Troy and I were divorced but still together - just didn't live together. He had made me his Power of Attorney and put me back on his checking account. I was by his side when he passed.

I would like to know if there is an agency that will help me to understand how Colonial Life Insurance company pays out to policy holders for their premiums. They keep telling me that they need the "CPT billing codes" and I've been going round and round with them on this. I had 3 surgeries at Cancer Treatment Centers Of America and the billing department even tried to help me on a conference call with Colonial Life Insurance and the could not answer any questions.

After 4 months of sending Doctor's reports, hospital reports, cat scans, MRI, ultrasound and boundless other records and being told over and over that they are expediting the claim, you get letter after letter claiming they need "additional information". How in this day and age can a company conduct business like this and get away with it? Anyone use an attorney in SWFLA to get results? Please let me know. Thanks for the opportunity to put out there just how awful dealing with this company is.

I signed up for Colonial 02/2013. Later that year, I became sick and was in the hospital. I applied to Colonial for disability and it took them almost 3 months to tell me I was denied, because my illness which kept me off work all that time was not covered. They wanted paperwork after paperwork, signed releases. No one ever gave me the same story every time I called. It seem like they didn't work in the same office. Nobody knew anything. The one was suppose to have known from the calls I made. I was told, "Oh, we have everything", then "we need one," then one more paper work again. It was again and again what they needed. Then I finally said, "Enough. I don't want this company anymore". So February I cancel my policy. It took them a month to cancel the policy. But my job kept sending them payments. My job told me normal they would get a cancellation from the company. They didn't hear anything from Colonial. So I called them 04/2014 to see why they hadn't told my job about the cancellation. I was told I had to request it in writing for them to send a stop payments to my Job. That was going to take a couple of weeks, so in that time I will still be paying them. I called today, 05/06/2014, and got a different story. I am so tired of this company. I don't want anything to do with them again.

I have had insurance through Colonial Life for several years. I've had the cancer policy and in November 2013 I signed up for the short term disability through my job. First I had sent in everything they required for a mammogram, which they were supposed to pay the whole thing, they only sent $100. I had to fight for the rest. Then on 1/6/2014 I was involved in an auto accident where I was seriously injured and unable to work. I have sent them everything they needed including reports from doctors, hospital and an accident report. Their first letter they sent said I was denied because they say it was work related. They had no record of it being an auto accident. My office manager sent them a letter saying it was not work related, it was an auto accident.

It seems like just as with any company some people are extremely incompetent and some are not. It took me 17 days to finally get my claims approved and I really really needed the money. I think the trick is to just continue asking for someone else to help you. As with all companies some people know how to do their job and some people are extremely stupid.

I have had a Colonial Cancer policy for 3 1/2 years. Opened a claim with them on 09/26/2014. With me, like you, I have sent a novel size amount of paperwork, had paperwork submitted directly from my doctor, and the Medical Records section, all VA related. I was told on my very first call to Colonial way back then that I didn't have to do anything; they would do all the legwork and get whatever they needed. Not true! I had to fill out an Authorization Form three times; they said they never received it even when I had the fax confirmation all three times in front of me. If I called 20 times, I got 20 different answers to the same question. One call resulted in the CSR telling me that Colonial and the VA share no relationship of any kind.

I am a nurse and enrolled in my employer's short term disability. My policy was effective Nov 1, 2013. My right elbow began hurting and I finally went to an orthopedic MD in Dec. and was diagnosed with tennis elbow and was given a brace. During the appointment, I mentioned that, on occasion, my fingers would get numb. I blamed it on the cold weather since it only happened when my hand got cold. The Dr ordered nerve conduction studies and found that I had both carpal tunnel and ulnar tunnel and needed surgery to relieve the pressure. I had the surgery on 2/10/14. My last day of work was 2/8.

I have Disability/Accident insurance with Colonial Life. I had a fall that resulted in a fractured shoulder. Faxed my paperwork on 11-27-2013 and nothing has been paid on my claim as of today 12-14-2013. I was out of work for two weeks. All I can say is that these people are dragging their feet on this claim. I submitted all the necessary paperwork. What in the hell takes so long?

I have had a life insurance policy and supplemental (cancer coverage) with Colonial Life for the last three years... I did get cancer and thought how lucky I was to have this coverage. However, once I started filing claims, I got the run around and excuses right from the start of why they would not cover me. They have paid on some of the promised coverage’s but it is a fight every time. They use excuses that they don't have the correct forms or codes or didn't receive the fax; my favorite is "the agent that signed me up had out dated paperwork and that's why some of my claims were not covered." Claims take months and all you will get is letters saying they need more information even if you call to verify that they have everything they need.

I was sold this $50000 LIFE INSURANCE policy while working at Town North Mazda. Figuring that my company would only do business with a good company. Well my 10-year term life insurance went from two hundred dollars a quarter to $545.35 a quarter because I am 61 years old. Sorry, I was told that my premiums would not increase in both March and June of this year. Today, I am told that this is the way they do business and that is all that could be said. VERY VERY Disappointed in Colonial Life. WE not recommend ever again and will let everyone I know that has their policies at my job to get rid of them QUICKLY.

I took the policy out effective date January 1, 2013 on me and my family. Unfortunately my daughter was diagnosed January 24, 2013 with Bladder Cancer. It was removed the following week by surgery. With everything going on I forgot about the policy until May and at that time I submitted the cancer claim. We are now into Mid-August and they are still stating they need more information. They have gotten her complete medical record and a letter from the doctor as well. They even admit that they know she has cancer and it is not pre-existing but since the medical records are not worded how they prefer they are still denying my claim stating more information is needed. I have nothing else left to send them. I will be contacting the Insurance Commissioner and see if I can get any help there. This is ridiculous and I would not recommend this company.

I have had a couple different policies with Colonial over the last 7 years. I was going to cancel my policies in June because I had heard a lot of claims not being paid by fellow co-workers. When I told our rep (Helen) that I was going to cancel she ask why and I told her that I had heard a lot of bad reports from co-workers. I told her I had been off work in January for 13 days but didn't even claim it because of the hassle. She informed me that there is a seven day waiting period but that they owed me for 6 days disability. So I went ahead and signed up for another year and filed for the claim.

DON'T PLAN ON GETTING PAYMENTS!!!! I spent thousands on this policy only for them to deny my disability!!! I refuse to go away quietly, and hope I can stop anyone else from having false security by paying a disability insurance company named Colonial Life for excuses to deny benefits. I am going to find every blogging and review site to share my story. I have had my policy for over a year and they still deny payment due to preexisting illness, despite the contract stating you must have the policy for 1 year.

I was never sent a copy of my policy, and when I requested one, I still did not receive it. It does not seem possible to actually talk to someone at the company, although I once did, and he (Jim **) said he would send me the forms to change my insurance policy but he never did. I am self-employed and he refused to talk to my office manager, whom I gave authority to contact them on my behalf. I am now going to cancel my policy and find a more reputable company to deal with. I suspect that if a claim needed to be filed, the treatment would be the same - neglect.

When offered a life insurance policy at my workplace, the agent was very quick to sign me up for a policy, being naive. He told me this "term" policy was what I needed. 7 years later, when I was cut back on my hours and needed to re-think the deduction, I contacted the new agent and she told me that ALL the money I had contributed in this term policy would be GONE! I could not change policy, I could not touch the money I contributed, and she was very sorry. Seems that the previous agent did not explain things to me, and I did not ask questions... I trusted he would know and direct me... PEOPLE BE CAUTIOUS!! I have lost tens of thousands of dollars and now looking for a policy.

I was in the hospital for 3 days for severe anemia and I needed several blood transfusions. I had already had Colonial for a year. They dragged the claim out for 4 months before denying the claim. They denied my claim stating I had a pre-existing condition which I have had anemia for a long time on & off. Never was this condition life-threatening. I'm also angry because the agent (Fred **) who sold the policy to me told me there were no pre-existing clauses. I'm seriously contemplating whether I should drop all of my policies with them (hospital income, cancer, employee & dependent, wellness & health screening, sickness). All of these policies cost quite a bit out of my pay check every week. I was really depending on getting reimbursed for my hospital stay.

I was diagnosed with cancer on Jan. 19 via colonoscopy. Colonial Life has been trying to say this is pre-existing condition? They have requested records for the previous year that don't pertain to this in an effort to avoid payment, even though I have the surgeon that will sign the affidavit saying this was not pre-existing. We were shocked with the diagnosis as I am fairly young. Next, Colonial keeps saying they never received the records, yet the doctor has assured me they sent them twice. Colonial has lied to me more than once. They claimed to have left voice messages with the medical records dept. Unfortunately, that is not an option on the voice system. I have talked to other cancer patients that have Colonial for short-term disability and they say Colonial has done the same thing to them. This company is horrible.

I had surgery on 3/5/13 for cervical laminectomy with fusion. I was sold this policy in 2012 and told pre-existing conditions went back 5 years. I asked the person selling me this policy several times if my first cervical fusion would be considered as a pre-existing condition since it was done 7 years ago. She informed me it would not. I filed all my paperwork on 3/21/13 for sickness and short term disability. As of today, I have not received any payment whatsoever. I have tried to contact the office, but all you get is a computer message telling you what the website tells you - in process. How long does it take to process a clear cut claim?

On Christmas eve 2011, my 6-month-old daughter was sitting in a Bumbo chair happily banging her rattle on the attached tray. She was set up on our bar style kitchen table, which is about 4ft high. I was standing beside her brushing my other daughter's hair getting ready for a big Christmas eve church event. Suddenly, she kicked and flipped the Bumbo chair (which is not supposed to be able to flip) right off the table. She landed smack on her head. Her eyes were rolling back into her head and she was vomiting several times before we got her to the hospital 10 minutes away. CT scans later, they said her skull was fine and just swelling her forehead, to keep applying ice and NSAIDs and sent us home. Thankfully she was OK.

I was originally told about Colonial Health Insurance in October 2010 by my employer. My employer did not directly offer health insurance, but Colonial had decided to offer a special supplemental policy for adjunct professors at my state-run community college. After talking to a Colonial representative, I signed up for Colonial's supplemental health insurance. In December 2011, I was having some back pain so I chose a "preferred provider" from the list. The preferred provider turned out to be ridiculously overpriced. The nurse practitioner there ran a few lab tests and I ended up with a bill for $660 just for the tests, in addition to the $60 I paid for the visit (incidentally, for this $720, all that ended up being wrong with me was a pulled muscle).

I went on medical leave due to heart and feet issues (a murmur and plantar fascitis) while pregnant with my second child. I work in surgery, so these conditions adversely affect my ability to stand; move fast; and be around patients. My first pregnancy was a breeze compared to the physical ailments that plagued me throughout this pregnancy. I began the process in late October 2012, with my last day of work being Sept. 28. It is now January 9, 2013 and I am still getting the runaround - we still need this and that, etc. They are requesting information from my OB going back to 2010. I'm not sure why. I had to provide a PCP that I haven't seen since a year and a half before my pregnancy. Again, there's no reason why. I've had the policy a year before getting pregnant.

In January of 2012, I was at the lake on my stand-up jet ski. I had been riding for some time and hit a big wave and lost control. I fell off and the jet ski landed on my back. About a week later, I was having difficulty getting out of bed. I went to the chiropractor to have an adjustment. He wouldn't touch me until I had x-rays. He took the x-rays and discovered that I had a fractured vertebra. I then went to a medical doctor who told me to rest it for six to twelve weeks. I did so, and it got better but did not improve dramatically.

My Brother's Disability Coverage - Ronnie has disability insurance through Colonial Life. In August, he was having trouble breathing. His heart had gone in to "AFIB", atrial fibrillation. It is not pumping but a 13% of what it should. Due to the fact he had "high blood pressure" when he applied for disability insurance, he was told that the "AFIB" is preexisting. He has been fighting them for 3 months. No money! Except the money he pays them to keep his insurance. If he doesn’t pay, they will cancel his insurance. Colonial Life short term disability insurance is a rip-off! If you have this insurance, you better get a new one, quick!

I received one letter stating that premium of $117.96 was due by the 17th of October along with another reinstatement letter. I called and spoke with a supervisor and she explained a mistake was made and $117.90 along with an additional $45.00 was due on the 3rd of October, and if I didn't get it to them by the 3rd, my insurance will be again terminated. This is a lack of communication with Colonial, and something should be done about it. There are way too many letters sent to customers at different times with different information, but to the same customer. Everyone in this office should work together so that they are on the same page. I hope that when a death occurs, customer service is not as rude and unprofessional as they were to me.

Due to my negligence, I failed to note that the disability policy I signed up for with Colonial Life (having approximately $200.00/month deducted from my paycheck) did not cover mental health issues. As an RN/PHN, I have been taught that illness/wellness is based on the health of the whole being. I can't believe I missed this disqualifying factor. I have requested a copy of the original policy I signed for review. I plan to research other companies which are more into the "holistic" approach when taking someone's health into consideration regarding disability. Also, calling their offices (2) only to find out the numbers are invalid/disconnected makes me question the financial solubility of their company.

I was offered Colonial Life Supplement Insurance through my work. The salesman gave his big sale and stated that if I wanted to cancel my policy any time, it was not a big deal. I didn't want to sign up and that was just a quote. My boss came to me last week and said I need to pay back the company for my premiums. Well, 2 months later, with no paperwork from them stating that I am covered, my premiums doubled from my "quote". I have called many times now and they are saying I can only do it during open enrollment. I am not satisfied at all with this company. Do not use them.

I have had Colonial Life insurance Short term disability for over 15 years. I do a routine call every year or two to see if:

This has to be the worst company to deal with. Mr ** from Destin Florida office came to our office, to set this up. I told him over 3 times, I have a biopsy coming up in June, and that my PSA level was a little high. He lied to me and said, I would still be covered, because I was not diagnosed with cancer yet. He had me sign up, and now Colonial Life is refusing to pay the claim. I have been fighting with them for over 7 months now, and Mr. ** keeps lying to the insurance commissioner to cover his butt. They will do anything to get you to sign up, but will then fight you're claim. This was straight out fraud, and I'm still fighting them. The only good part is that I am a manager, and can talk my employees into dropping them, and new ones not to sign up with them.

It takes way too long for them to process claims. Their customer service reps are no longer allowed to put us through to a supervisor when we have a question. They kept 7 days from my recent disability claim, and told me that the waiting period is only when you first open a claim, not every single time you submit a claim. My husband was recently denied his claim for over a year because Kaiser put his diagnosis second on the same line as another admitting diagnosis. And all they keep claiming is that there is nothing that proves that he had a sickle cell crisis last October 30th, when the discharge paper clearly states that he did.

Our overall experience is horrible. We were promised health insurance to take effect on August 1st. It is now September 10th and we are uninsured--still waiting for the health insurance, health insurance cards, and the health insurance policy. This company misled my boss, telling him to cancel his existing insurance with the previous insurance company and Colonial's policy will go into effect. He cancelled and Colonial totally dropped the ball. They were very unprofessional through the whole mess. Even the corporate website's Customer Service "Contact Us" site was of little help.

I had been a teacher in East Baton Rouge Parish for more than 12 years. Two years ago, I started undergoing medical treatment for a painful knot in my back caused by work-related stress. (I still have knot.) On July 26, 2002, I went to a physiatrist (physical medicine specialist), who gave me one of a series of treatments, an epidaural injection in my spine (under an x-ray machine) to relieve the pain. He made a mistake in administering the anesthetic prior to the epidaural, and injected the anesthesia into an artery. It went to my brain and I was in coma for five days. I was in the hospital for three weeks: I was totally disoriented when I regained consciousness and did not recognize my husband and daughter. I had months of physical rehabilitation, and right now I am seeing a physical therapist who specializes in balance and vertigo, Dr. Charles P.