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Matrix Absence Management needs to be investigated and a class action lawsuit needs to be filed. They deliberately deny valid claims. The favorite line to delay your claim is they haven't received your documents from the doctors. This is very alarming. How can a large amount of people documents not received when the doctor office receives the final confirmation of the fax being successful.
There is a pattern here, I have been battling this illness for 10 years. Matrix has approved in the past as a disability and now it's not a disability. My illness qualify under ADA, their nurse who is not a doctor nor a specialist determines your illness, which I don't know how a nurse has more experience than a doctor and 2 specialist which is my case. I feel a RN doesn't have enough experience as a doctor and a specialist to determine someone illness, but again I was approved in the past for the same illness that was classified as a disability. Matrix didn't try to get the additional information from one of the specialist that was treating me; which that claim adjuster said they would to get a better understanding, she never followed through.
Verified by the doctor office, they never received a call or paperwork on evaluating my illness. They denied my specialist, the one they approved my disability in the past, who recommended a procedure that would have approved my health, they ignore his advice and failed to get the information from the doctor who was going to do the procedure. Matrix just discriminated against my illness, which causes me to be disable for periods of time. I have multiple doctors including specialists over the years that's been treating me for this issue. All doctors can't be wrong and blood work doesn't lie.
I have been suffering from an "unknown" condition- many tests, lots of waiting, tons of specialists, and finally a year and a half later I am closer than ever to a diagnosis. My relationship with Matrix has disappointed me beyond explanation. When my claims examiner needed any important or timed documents she failed to ensure we communicated regarding her needs. Ultimately my employer informed me of their needs, leading to write ups and near termination. When I questioned my examiner she became defensive & placed blame on me. It would be my hope that an absence management company had compassion toward the people they served.
I have been out of work Since April. I have contacted my claims examiner several times and all I keep getting is my doctor's office hasn't faxed my forms and I have confirmation that my paperwork was faxed back to her. (Kaitlyn). I have emailed her several times and she has yet to email me back. I spoke with her almost 3 weeks ago and she told me she was waiting on me to fax documents and my pay would get started, I have yet seen any pay. This is not your money people. I will be contacting me a lawyer. It's lie after lie with her.
This company and its representatives lie, to try and keep from paying out the benefits that we as customers pay for. It's bad enough when you are injured and cannot work but even worse when the disability company cannot do their job. I did everything I was supposed to do on my end. I kept my claims examiner informed after every doctor's appointment and I stayed in contact with my Physician's assistant as to when she submitted my paperwork. Everything was done correctly and I have documentation to back this up.
My claims examiner dragged her feet extending my leave therefore I was not paid on time. Kathly ** was my Matrix Claims Examiner. Even though you are holding proof of confirmation of faxes being received they will lie and say they don't have them. They will ignore phone calls and emails as well to keep from paying you. I have contacted this business every day except weekends and I am going on five weeks without receiving my benefits.
This Company and its representatives lie, to try and keep from paying out the benefits that we as customers pay for. Even though you are holding proof of confirmation of faxes being received they will lie and say they don't have them. They will ignore phone calls and emails as well to keep from paying you. I have contacted this business every day except weekends and I am going on five weeks without receiving my benefits.
It is either lost faxes, lost emails, or you get voicemails when trying to call that say they are in a meeting or they are out for the Good Friday Holiday. Still no matter what time of day you call, Are they will ask you in an email for the contact info for your dr's etc. even though they just received all that information in an email you just sent and they confirmed they received in a reply email. If most of the customer service people out there acted in this manner they would not have a job. This is the lowest of the low trying to keep a benefit from someone who pays for that benefit.
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My fiance was injured at home early in the year. It was several breaks in his leg. Because of location of the break, it was 12 weeks off work, as long as surgery wasn't required. If surgery had to happen, it was 36 weeks minimum. From the get-go, it was hassle after hassle. It was things like "your doctor failed to send the required documents." LIES!!! I watched the person at the orthopedic office fax the information to my Matrix consultant. I held copies of confirmation numbers FROM Matrix verifying that those documents had been received. Yet Nicole "rude attitude" ** was denying they had been sent. I don't know how many times, little nit-picky things like that was the reason we went without basics like food and water and electricity.
Not to mention that the 70% of our salary we are supposed to be getting is actually more like 30% of our salary. It's actually 20% of his monthly income (after taxes; net not gross). I don't know if anyone else got this impression, but I felt as if the Matrix employees were getting an incentive for finding reasons to deny claims. Considering it's a customer service industry, I never felt any empathy from a single Matrix "CSR". ANYTHING BUT CONCERN ACTUALLY. I felt like I was an inconvenient nuisance, when, in fact, my money, pays them for a service, and pays them to provide it.
I'm not expecting them to lick my boots, but is it too much to ask for them to do the service that should be required considering the position they hold in that industry? And to do it with a little compassion? That money is automatically withdrawn from OUR paychecks. The vast majority of the time they get paid. Now, they have to put all these stumbling blocks in the paths of the people who earns the money that's withdrawn automatically to them, when they need the help that withdrawn money should be paying for?
I was off work at the end of November for a week but didn't file with Matrix. Then I had symptoms flare up again the end of December. I had to get FMLA in order to keep my job. So I called right away to file. I explained that I had been off in November for the same thing & was sure I'd be off again for it. The girl that did my intake was really nice. Then I followed up with my Dr.'s office who had not gotten any info from Matrix. Matrix got a hold of me & said they had faxed my Dr. the info. I let Matrix know I had started seeing a specialist & was off again. Since I went back to work it didn't matter. They faxed the specialist the paperwork also & they sent back the week I was off for procedures. When I followed up with Matrix I was told my claim was denied because the dates didn't match.
When I asked why they said the specialist gave different dates & I explained because they gave the dates for the other claim I had to start because they messed up my intake & didn't do an intermittent leave. She then said my primary care Dr. sent the wrong dates too, according to my Dr. they never got paperwork. She read me the Dr.'s name & it wasn't even my Dr. She argued with me saying that was the info I gave but I haven't seen that Dr. in a long time. I argued on the phone with this lady from Matrix for awhile & she said this was all my responsibility to make sure it was done right.
I called Matrix on a Monday explaining everything on her voicemail & told her my Dr. was only in the office the next 2 days, she didn't call 'til Wednesday & said she'd resend the paperwork but would need it by Friday, even though I told her my Dr. was not there. She acted like that was my fault too. My Dr. already said they'd give me the time if they had the paperwork. I am probably going to lose my job & was shown no compassion. This place is a joke.
My last day worked was 10/27/17 and I had to fight with them and threaten to get the labor board involved after 6 weeks of no pay. Then they acted like they were doing me a favor by "rushing my claim" to get me a check before Christmas. The "nurse" that called me to review my claim was very difficult to understand, as she did not speak English very well. Communication was terrible, my examiner suddenly disappeared and I ended up working with someone else. Currently (January) I am still off work and they closed my claim because I worked a couple hours, so I am currently not even receiving short-term disability. Again no pay for a month.
I don't understand how these crooks continue to stay in business. If you don't know what 'Bad Faith' is when it comes to insurance companies, do yourself a big favor and look it up. This company operates in bad faith. I filed a claim in August of 2017. It's now December and they have yet to finish my claim. They purposely delay your claim by, failing to reply to phone calls and emails, if they do reply to an email, they will purposely send it to the wrong email address, further delaying your claim. Or send you the wrong forms to complete, or request an absurd amount of evidence from your Dr., in an attempt to further delay your claim. Something has to be done about this insurance company and their unethical practices. They have an F rating on the BBC and a 1.2 of 5 rating. That's terrible! I will be writing a letter to my congressman in regards to Matrix Absence Management. And seeking the services of an attorney.
My last day to work was 8/23/2017. I have Parkinson's. I filed a claim for Short Term Disability (STD) and it was approved so I got paid for about 12 weeks and should have been 26 weeks, Matrix denied my claim after those 12 weeks’ pay telling me that they did not get proper documentation from my Neurologist. My Dr. office said they sent them all the info they needed so this went on for a few weeks and Matrix finally denied my claim and will not pay my other 14 weeks. I am entitled to 6 months STD thru my employer, I have since been approved for SSDI benefits so I can’t get STD for Nov but they owe me for part of August and all of Sept and Oct. Do I have any recourse to get this money that I am owed?
I am writing on behalf of a person who was injured on the job at Lake Elsinore Ford. She was immediately treated like a pariah by both the employer and Matrix. She did not break any bones but suffered a crush injury to her hip that caused the employer to eventually fire her - and later, a repair surgery was performed @ $35,000 which drove us into bankruptcy.
I accompanied my wife on EVERY doctor visit - she was unable to drive herself although she had competently drove trucks at the auto dealership where she worked. The employer refused or ignored any type of employee counseling or assistance while she was suffering agonizing debilitating pain. Her other injuries were herniated discs in her upper back (thoracic), and lumbar region.
Because of her multiple injuries, she was unable to find suitable alternate work, and we lost our house in a foreclosure. She was always in pain and walked with a gimpy stride, could not climb stairs, and was uncomfortable sitting, lying down, or while in motion. We had to do some searching to find other victims of Matrix, some family members of people whom Matrix refused to help and whose pain was so unbearable that they took their own lives.
Yes, Matrix denied suffering people to the extent that they killed themselves. Matrix is an evil company making tons of money based on the suffering left in their wake. People like Governor Schwarzenegger and other investors in this type of insurance company make tons of money based on the suffering of little people unable or not equipped to fight back, like my wife and I.
I get short term long term disability through my work and I have recently had to go on medical leave for short term disability. Contact Matrix absence management in September. It is now November and I still haven't received anything because they keep saying that the doctor's office is not sending the fax or they just haven't received any emails or fax and the doctor's office has repeatedly sent these emails and fax to the point they are so aggravated and I am too. I'm a single mother and this is how they treat their customers. It's ridiculous.
I went on long-term disability, I receive 1 payment, sent to an address I have not lived at for 7 years (they had current address). It has been a fight to get them to pay, they have lied so much, I don't believe they know the truth. I am hoping to set up a lawsuit against them and others that have paid into this company for years only to be denied because the reps lie, lose information, twist information. If you have had problems we need to get together for justice.
Don't waste your time with these incompetent, money hungry idiots! GET AN ATTORNEY! I relate to many of you. Believe me. Despite complying with the barrage of paperwork they sent me, there was always something mysteriously missing, something else required of me; in addition to Matrix saying my doctors never sent documents, so I missed deadlines. Which was a lie! I called all 10 of my physicians to verify. How is it statistically possible to have 10 doctors IGNORE request to submit (any) medical records to this unethical/poor business practice: RELIANCE / MATRIX?
They denied my LTD compensation for severe, life-threatening/chronic illness, ignore all of my physicians' diagnoses/prognoses. They don't return phone calls (FYI: do not call - email EVERYTHING so you have proof/documentation of communications, requests, questions, concerns, etc!); they don't return e-mails. Their goal = continue making $, having total disregard for those whom are severely ill/disabled and have lost everything - career, enjoyment of life (and income)!
I wished that I had read these reviews and I would not be in the situation that I am in at this time. This company also stopped paying me on the first appointment day after having a total knee replacement. To top it all off, I was not notified that I needed to get all of the surgery and office records before I would be approved to continue with payments. It now has been 3 weeks since I have received a check and all of my bills are coming due. I'm also unable to walk very far and need to drive to physical therapy and MD appointments with no money to even buy gas or groceries. These people do not care and do not do their job. They list on their website that they are responsible for contacting the client's MD for office records, which never happened for me until I called 3 times over 2 days.
When Erica called me back from Matrix, she was not friendly and stated that she would send my MD's office a request for records, which I reiterate is now about 3 weeks. Everyone is correct to say that being disabled and recovering from surgery is hard enough, much less having to do the job of calling or personally obtaining your own medical records. My employer uses the company and I have no choice in this matter.
In 2014 I lost my mom in May, my right leg in August and my beloved job in October. I was a nurse and the facility couldn't use a one-legged nurse. I have LTD through Matrix and I have not had any of the problems that others seem to have. It may be that my claims person, Camella, is just that good or since my claim goes through the New York office I don't know. There was one time that my check did not come and Camella overnighted my check to me. No problems, no hassles.
As the other Consumer, it's bad enough being out of work and having to make ends meet with what little money you get from the insurance but when they don't do their job and you have no check coming in it really makes things harder. It's going on 2 weeks with no check. My Claim officer put stop on the day of appointment??? Even though I wasn't even able to walk and she knew this, so I guess she thought I could go back to work without walking. Anyway here I sit late on bills due to MATRIX Disability Insurance. Why don't they do their job??
It's bad enough when you are injured and cannot work but even worse when the disability company cannot do their job. I did everything I was supposed to do on my end. I kept my claims examiner informed after every doctor's appointment and I stayed in contact with my Physician's assistant as to when she submitted my paperwork. Everything was done correctly and I have documentation to back this up. My claims examiner dragged her feet extending my leave therefore I was not paid on time. Erika ** was my Matrix Claims Examiner.
I was put out on STD and my doctor missed 14-day submission by one day, had to file an appeal and they dug deep, took 3 months and denied my claim, and I was fired from job after because of attendance policy. Their doctors reviewed my claim and denied me after MRIs proved my case and numerous doctor which I had to see all went to bat as they are of course the ones that took me off work. I went three months with no money while reviewing my case to be denied. I lost everything, went homeless and had to sell car for food to feed child. Could not touch 401K unless I was fired in which finally was but it devastated my life. I feel I was denied as they found out I had an autoimmune disease and felt I'd be out more often and got rid of me.
I truly hope Matrix gets shut down. This is the worst experience I've ever had trying to get a few days off for FMLA. First they claim to fax paperwork to my doctor’s office when they never did just to stall the process. Next my doctor’s office faxed the paperwork back (right in front of me) and they now Matrix claims they never received it. You can't get a hold of anyone to help with the claim and they are always late at getting back to you. I wish my company did not deal with these people because all they care about is stalling people and making sure you don't get the hard earned leave you deserve.
I been out of work from Main Line Health Labs since 2016 and now we are going into January 2017. I'm out of work because bad knee, neck and wrist. I worked for MLH for 12 years and paid into short term and long term disability. The insurance company Matrix has made me being out of work even worst. I been selling my personal belongings and now had to put my home up for sale because I have not got paid since the summer 2016 when Matrix decided to drop my claim. The doctors, nurses and I sent Matrix everything over and over that they requested. But no matter what they deny my claim. I feel like I am heading for a meltdown. I called Main Line Health Human Resources but they are no help either. They are actually posted my job although I been hurt due to my job. Watch Amber Alert. It is just about what I am going thru and how the claims people are forced to turn down claims just so higher ups can get bigger bonuses.
I believe Matrix mirrors this movies. Just shady insurance companies who will do everything they can to not pay out and deny claims. I been thru hell over the last seven months medically but not being paid adding to the situation makes it worst. It's not fair I pay into short and long term disability and now when I need it I cannot get paid and have to sell my belonging and now my home just to stay afloat and I am still drowning in debt and stress. Main Line Health is aware of the issue but does nothing to rectify situation. I'm just disgusted and drained from all the stress. I hope I can bring light to this problem so others won't have to suffer like I am.
It's Dec 14th and I'm still waiting for my November disability payment from Matrix. My check got lost in the mail again. I've learned to expect this to happen twice a year now. But this time it's really going to cost me. I've had some extra health problems the last couple months and the extra costs have stretched my budget to the breaking point. I've now run out of groceries and today was the last day I had to make a payment before my electricity is shut off. I explained this to the Matrix agent last week and asked if they could over-night the replacement check to me.
He informed me that once the checks go in the mail it is no longer their responsibility if they don't arrive and not their problem. And he expressed all the compassion of a pit-viper. So, here I am. Waiting for a check that was suppose to be here two weeks ago. After 11 years of disability, this is all I've learned to expect from these people. In addition to dealing with my health problems, I have to stress every month about whether my disability check is going to be here on time. I do not write this to elicit anyone's sympathy (obviously we can never expect any from Matrix), but to warn people that are looking to buy disability insurance about what my experience with Matrix has. People do not deserve to be treated like this.
My company which I will not name unfortunately uses Matrix as the vendor to handle disability claims. I'm currently out of work on a valid leave due to a medical emergency in July. Enter Matrix to handle my claim. I'm going to keep this short as I'm going to deal with this through my HR dept and the individual that works directly with Matrix but suffice to say they are horrible. From the get go they have been terrible. They never sent the paperwork to me as they said they would and lied about sending it to my doctor. By the time I got it myself and had my doctor complete it they were about to deny my claim. Then it took 8 weeks to get a check and that was 5, weeks ago. Since then no money.
I've been trying to deal with the rep but he's very difficult to get ahold of. Says he's "swamped". Called his manager. No callback. He's also rather rude, interruptive and tries to make like the communication problem is mine. Not a chance. Every review I've read about this company has the same theme. They are rude, they do not tell the truth and try to make the claimants feel like they've done something wrong. Can't understand why any reputable company uses this sorry excuse for a vendor. Absolutely horrible.
You have to stay on them all the time. They never call you until you call them. Had to have paperwork from them to get my money and to return to work. It took me getting angry to get an response. And I had a claims manager.
Matrix Absence Management is the company that handles my husband's employees LTD compensation. They are horribly rude, they will not return phone calls at all. You can leave numerous messages and they just ignore them. Depend solely on voice mail as a means of business operation. One representative will tell you one thing and a second will tell you something completely different. You cannot trust anything you are told. Case managers are constantly in meetings or out of the office. Nothing is done in a timely manner. They act as though they don't care because it doesn't affect them. Our creditors are screaming for payment and we can't get an honest answer as to when my husbands LTD payment will arrive. It's been four weeks with no income in our home and they could care less.
I am receiving long term disability from the Federal Reserve Bank of Kansas City. I have only one complaint about the bank. I was misinformed about whether or not another retirement would offset my disability payments. The misinformation was unintentional. I was told my other retirement would not offset my disability payments. The person assumed I was already receiving those retirement payments and I was not. When I drew my retirement my disability payments were reduced by $19K a year and I had to pay back $8K. Since I am no longer employed by the Fed I had no access to the policy and was not provided a copy when I asked for it. As for my experience with Matrix Management it has been a nightmare. I have had 3 case. I would lose benefits if the that managers, the first of which was a condescending rude and intimidating attack dog.
When I complained about her to HR at the Fed, one of her direct reports became my case manager. He was only slightly better. All of the conversations were recorded and it was obvious he was being cautious about what he said and how he said it. But he also was condescending and threatening by constantly reminding me that my benefits would be canceled if the medical records they requested were not received by their deadline. I now have a third case manager and have found her to be polite, non-threatening and helpful. Matrix sends the requests for records. Then they almost immediately send a follow-up request for more information, doubling their chances that someone will fail to meet their deadline and lose their disability benefits.
HIPAA Breach - Matrix and their subcontractor, MES, have been sending my private medical to a former lawyer of four years. I have at that time hired a new lawyer which removed the original esquire. Anyhow, I have now received two letters (6/21/2016 & 7/11/2016) of very private health information that was also forwarded to the former attorney. Matrix' resolve was that they contacted their sub- and that all has been erased as of today... I then said how do I know what was sent to the former lawyer as they "assured" all was corrected. Really?
As they are harassing me to attend "Phase #2" of an IME which I struggle to get to in any situation via car, they are also denying me my correct salary although I have it as received by my former job. "I was terminated for following doctors' orders." Too many to list about Matrix and their procedures as they harass, with tone, condescending, and although I have expressed a conflict of schedule, they are persistent which will now most likely require a lawyer. I was a 9/11 1st responder and have a serious amount of illnesses that just keep coming... and my words of distress and anxiety only make them more forceful to their than to my health conditions. I apologize, my cognitive skills are fading at this point, eyes are getting blurry...
I feel so bad for those who needed the long-term disability. I only needed the short-term while I went through physical therapy and waited for a relatively simple modification at my work. I was denied BOTH despite multiple doctors notes so I ended up working through the pain and it was excruciating at times. I could only handle part-time so I lost thousands of dollars in income. Months later, my work eventually gave in and made the requested modification but by then the pain had become pretty much chronic. I may have ruined that body part for the sake of keeping a job. I did look for other jobs during that time but didn't get any bites.
I don't know which Matrix office I was dealing with because I'm in California and I used the 800 number. I dealt with several of them. The rep named Laura ** was particularly vicious. She used anger and lots of sarcasm to try to intimidate me. She accused me of just being lazy and of having ulterior motives. To be spoken to this way when you are desperate to the point of crying every night and in a panic over what to do is the most despicable thing. Another one, Theodora **, deliberately put her own spin on my doctor's request and claimed that her substitute advice to my company was the same as what the doctor wanted. It was not remotely the same. My doctor worked so hard trying to help me get through to them. My advice is to get copies of everything your doctor writes because Matrix will make things up. You can't prove them wrong unless you have your doctor's words on paper right in front of you.
Check out Matrix employee reviews of their own company on Glass Door. There is one that states: "If you enjoy denying hard working honest employees of their benefits then this is the company for you. Matrix works hard to deny workers compensation, short and long term disability, return-to-work services, personal/family leave (FMLA) programs to deserving employees." That is verbatim. They also say, Matrix work ethic and motto is to say NO to clients. The reviewer here on Consumer Affairs who called them morally repugnant - no truer words have ever been said. I believe there is a special place in Hell for Matrix employees. Also, you might want to take a good look at the company you work for because there is a reason why they hired Matrix.
I've read a lot of reviews... understandably they deal with monetary issues. My friend committed suicide, my mom got sick and my kitchen flooded badly all within 2 months. I'm still amazed that I didn't get electrocuted from the flood, it mainly pooled within my kitchen fluorescent light system and electrical appliances. I worked for an airline from home... I broke down. They were pushing more work on less people (like so many other companies). The stress was unbelievable. This was probably the 3rd request I'd made for FMLA but it was definitely the oddest. They asked my neighbor (who the airlines knew I was having huge dog barking issues with) to "watch" me as well as 2 other neighbors... which is so creepy. Who asks neighbors to spy? And how do I know this?
The irony is, the gentleman who came to get the mold and asbestos readings after the flood from his little machine chatted with me while he collected the reading. I happened to mention Matrix and I can't tell you how wide his eyes became. He said he had worked for them for many years and his wife still does. He said he used to work in the "field", investigating the legitimacy of claims. He said with a mental breakdown, that it would be rare for my claim to be looked into. Well, apparently it wasn't that rare. To try to make a long story short, they somehow or someone was granted access inside my rental condominium. My journals were read, papers and receipts were gone through... photographs. I'm a female who lives alone and as crazy as this story sounds, it happened. They do it. That was absolutely confirmed to me.
My car as well. I went to an AA meeting one time, was absolutely followed in, observed. He observed my car from peering inside the windows at the belongings inside. It absolutely happened and only once again reflects the strong prejudice of mental health issues and illnesses and how those people are treated so very menial by so many entities... from employers to agencies to well... morons like Matrix Absence Management. I am not trying to invoke worry in anyone, but some of these 'wish I were a sheriff'' investigators will go to great lengths to provide proof that your claim is fraudulent. I feel that they would be much more effective as a mall cop, chasing skate boarders out of the parking lot. Because let's face it that is pretty much the extent of their training and expertise.
And in regards to money, I had some money saved and did not wish to be paid. I received a check for approximately 240 dollars and immediately called Matrix, telling them that since this was an extended FMLA, I didn't feel comfortable cashing it. She said I absolutely should. As soon as possible. Wish I wouldn't have. They obtained all my banking records from BOFA after that. I'm sure they were thrilled with my trips to Safeway, CVS or an occasional vegan burrito from Senor Taco. If I were nasty and classless, I would call them the nastiest name in the book, but I've let it go now. Sometimes (always) things happen for a reason. There is more to this story but hopefully you get the gist. They are creeps and any company that uses them should be aware of the problems by this point and, quite frankly, ashamed of themselves.
And if that company employs a management company such as well for instance let's say Aon Hewitt to try to clean up their mess and the mess grows much bigger well, as a company I would rethink my choice of the company that oversees absence management as well as the management company that oversees HR and medical issues related to Matrix. It's called CYA tho and I think that would be a good acronym for many corporations (especially in the medical field) these days.
When a previous employee of Matrix tells me about their shady tactics and why he chose a new profession... I tend to buy his story. Especially when I lived this nightmare (Nov 2014) to present day. And I'm not even employed with the airline anymore! I hope my post has emphasized the fact that they really will go to great lengths to investigate and insist negligent behavior to the point of complete harassment and privacy invasion. Good luck, everyone. They are truly rotten to the core.
HORRIBLE! HORRIBLE! EMPLOYERS SHOULD NOT RETAIN SERVICES THROUGH RELIANCE STANDARD & ANY EMPLOYER HAVING RELIANCE STANDARD FOR ITS EMPLOYEES. SHOULD TERMINATE THEIR "SERVICES" (if that's what you can refer it as because they don't provide a service - only lies, stall tactics, poor business practices.)
If you're thinking of obtaining your own policy through RELIANCE STANDARD, RUN! FAST! VERY FAST! I don't even want to give "one star" above because they don't deserve any recognition, any frickin' stars! At least RELIANCE STANDARD can have the courtesy to return a claimant's telephone calls, e-mails - ANY correspondence, not ignore them (us/ME!). Unprofessional! Unfair! Nothing but a fraudulent business that needs to be held accountable, in COURT, for their unethical, unfair, and unjust business practices.
I have 10 specialty care physicians - all stating I am permanently and totally disabled with a LIFE-THREATENING ILLNESS & EARLY DEMISE (and I am only 48 years old). And even more stressful and taxing on my overall mental and physical condition, I've undergone 2 surgeries in the past 3 months and 2 other procedures the past couple of years.
I even threw away a career which I worked and trained very hard, having earned 2 Masters Degrees and a Ph.D. - all thrown away. And RELIANCE STANDARD thinks I prefer being ill, out of work and broke??? Thankfully and my being very grateful, the U.S. Dept of Education (Federal Student Loan Dept) even discharged my student loan debt of $190,000 because of my severe, life-threatening (very well documented and substantiated by medical providers) illness - further validating the seriousness of my illness and that I deserve (earned) my Long-Term Disability Insurance, through RELIANCE STANDARD! I even had my Social Security Disability approved in less than 40 days! I even received Short Term Disability by the State of California - approved in less than 40 days!
Applied (February 2016) and waited, and waited to RELIANCE STANDARD, after my having to voluntarily resign from my employer and having to "go out" on FMLA (September 11, 2015). Then, receive (only) e-mails from RELIANCE STANDARD, "blah-blah-blah, everything is a go". Then, a month later from RELIANCE STANDARD, "oh, we need more documents". And, "your doctors never sent in the required paperwork". I contacted ALL 10 of my doctors - personally and over the telephone. Each doctor said they never received any paper work to be completed, by RELIANCE STANDARD. I knew RELIANCE STANDARD was lying, and I knew my physicians - ALL 10 of them could not have possible screwed up, forgot, or failed to send my much-needed documents to RELIANCE STANDARD!
I e-mail and e-mail and call RELIANCE STANDARD; NO RETURN e-mails or NO RETURN telephone calls to me, whatsoever from RELIANCE STANDARD. More so leading me on, causing me stress - further negatively impacting my overall health condition, I receive notice May 2016 that "everything has been approved - be on the lookout for a live check in the mail". Today (June 19, 2016) marks 45 days of NO WORD, NO CALLS, NO MAIL, and worse - NO CHECK since I was "approved" for LTD compensation OVER A MONTH AGO!
Matrix Absence Management Company Information
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- Matrix Absence Management