The Standard Insurance Company Reviews

Worst company EVER!!!! You will lose everything dealing with them. Take your business elsewhere!!!!

I’m out on long term disability, The Standard has a company named Allsup that works to get you Social Security disability benefits. I finally got approved for SSDI, $49,000 back pay from the social security. 2 days later a Allsup representative called and said “Sir can you confirm you just received $49000 back pay," and I said yes, then the rep said, "You owe The Standard $45,000 for overpayment." I’m like what???? One week later The Standard sends me another disability payment. If I owe them $45,000, why are they sending me payments still??? How the hell is there any over payment? It’s basically like they want a refund of payment from my long term disability insurance. They are not getting $45000 from me!!!! I can guarantee you that!!!

This place is an absolute joke! I've called twice and they had me muted and just kept saying HELLO HELLO trying to make me pull my hair out. And I'm only calling because the verification call system doesn't work! I've never had a worse first experience with a company, get your money out of their hands as fast as you can and somewhere reliable and safe.

Ever since the Standard took over Allstate. This company has become a complete joke in processing claims. DELAY DELAY DELAY. Don’t waste your time with this company. Go to AFLAC or somebody else. Oh, it could take up to 15 days to process your cancer claim. When you call up and INQUIRE IF YOU SEE THAT THERE’S NO ACTIVITY ON THE PORTAL, it could take 10 to 14 more days. We’re short staffed. People are on vacation, blah blah blah. Horrible companies to deal with.

I have been trying to have a claim paid which I submitted the end of July for Critical Illness. At the same time a submission was made for Heart & Stroke. Heart and Stroke was paid very quickly, while the Critical Illness is still pending awaiting info which has been submitted several times and each time they extend the processing time as new info. They also requested info for dates that NO medical care took place, and I had to conference a call with the Cardiologist office to confirm. The icing is that I wrote policies like this with Allstate (now Standard) for 30 years. Added that you spend 20-40 minutes on hold listing to repeated nonsense, before you ever reach a live person (that's questionable sometimes). "I'm sorry. I'm sorry. I'm sorry" is the answer. A sad situation when many people are depending on the protection they paid for.

If I could give negative stars I would. The only thing they are quick with is taking payments. Worst insurance company I have ever had. My Drs and I and my employer had all the required paperwork work turned in and here 2 months after surgery still have not received any payments. I did receive a call saying I will receive and it's such a small amount it's useless. I am supposed to receive 60 % of my income. I have received 0 after being told I was approved a while ago and out of work for 2 months.

Terrible service, they sound like they're in a basement somewhere. And really do not care about you.

Worst Critical Insurance company! Slow processing claims - Called today and was told “we are a little behind”! Not my problem! They were not behind on collecting the monthly premium! My claim is for a cancer claim submitted 08/07 - I have called the insurance on 4 different occasions and still no updates!

I added on some supplemental policies through my work so that I would have financial help in an emergency. Everything went wrong this summer. I was hospitalized twice. Once from a car accident and once from a medical emergency. In both circumstances, I received my benefit check between 1 and 5 days. When you call in, everyone is so helpful. Adding Supplemental Insurance was the best decision I ever made and saved me financially since I could not work.

Worst company I’ve dealt with and I am in the business. Used to work under a company that was absorbed by them and they are now terrible. They deny legitimate claims and even after appeal, deny again. They took all the policy info history off their website and the phone numbers for customer service are defunct. You can’t reach them to discuss anything. Total fail. Not renewing with them next year and telling my coworkers to do the same. I got stung by the 180 day rule as well for a major surgery that they initially accepted but refused to pay continuing treatment. I’m a licensed adjuster. I also pride myself on great customer service. They are the worst.

I wish I could give this company a zero!!! I have had this insurance since 2013. I have two types of insurance: disability and accident. I was in an accident and injured. Of course, you do not want to have surgery if you can help it, so I tried all of the doctors' recommendations first, but ultimately had to have surgery. Because the surgery was after 180 days, I was not paid for the 2 months I was out of work. I understand not paying under the accidental policy, but I should have been paid under the disability policy. Nothing but unprofessionalism and a joke. Do not waste your money.

I honestly wish I had found these reviews before allowing my Mortgage company to assign me to this company for homeowner insurance. The entire company is a JOKE! I’ve been filing claim after claim since February of this year and it’s July and still absolutely no help at all. And then just when you think you’ve sent in everything, they request and deny again. Not to mention, you get absolutely no update about anything unless you pick the phone up and call. No matter how many inspections get done, the adjusters are just hard to even communicate with. Each call she constantly talked over you and had this very smart mouth all because you’re trying to get your home fixed! What’s the purpose of paying??? Even with proof, they’re horrible! I DO NOT RECOMMEND THIS COMPANY!!

Horrid company to deal with & their quacks actually ignoring physician statements as their quack knows more about my health though I've never spoken or heard of the quack. Any man, women or child knows more about my health than the quacks at the horrid company. Lies to me and to the Georgia insurance commissioner so that their concocted story works for them. When I dropped the documents to my doctor a month prior to my June appointment he called the document to both me and the insurance commissioner "ridiculous". Fortunately I work for a huge law firm that will not like what I have say when I tell them the truth about that horrid company.

If I could give the standard zero stars I would they are awful to deal with…. Months of just trying to get a payment not weeks but months!! As being the only income of a family of four it has put a financial burden on me causing to get behind on bills. Phone call after phone call of “what’s the best number to reach you at so your case leader can call you” and no one ever calls, horrible communication doesn’t matter if you attempt to call, text, email you never get a response and when you attempt to talk to someone English is definitely not their first language. A complete circus and would not recommend them to my worst enemy!!!

The Standard Insurance Company is hands down the most incompetent company I've ever dealt with. Terrible customer service, endless misinformation, late checks, billing disasters, and zero accountability. Their failures put me behind on my bills and nearly cost me my home. Save yourself the stress and take your business elsewhere.

This company is the absolute worst! I recently had a major surgery done, after contacting them several times and having my paperwork set and signed by the provider, leave dates/ return dates were clear, they still wanted me to call them to CONFIRM that my surgery was done. NOW, in all the conversations I've had with the representatives, NO ONE mentioned that I needed to make an unnecessary call to let them know the surgery was done when they had all of the documents in front of them!

This is the worst company I have ever dealt with. Their customer service is terrible. They require extreme and unnecessary information to approve claims. They mess up claims. There is no assigned leave manager to claims that you can contact. They have website malfunctions that prevent accurate and timely reporting. I have a permanently disabled child. The amount of stress and exhaustion I am under is only added to by this company. They hold no value for human life, physical or mental well-being.

I wish I could give this company a Zero. I have NEVER experienced such lack of customer service along with claim examiner Diana (I live in Utah and work for the State). Nobody EVER calls you back, no updates, no communication, tried calling more than 10 times, and they will just leave on hold. I am recuperating from two surgeries in the past 3 months, and this has made my progress so difficult. I am at a loss for who to contact, as I am now speaking with an attorney.

Insane how Securian went from bad to completely fraudulent when bought by the Standard. First off, they don't allow direct deposit; they only issue checks. You cannot actively see the activity. Customer service speaks English as a second language, and not very well. I don't blame the poor people at the call center. This company has been an absolute joke when dealing with distributions and rollovers. Warning for others so they don't get stuck using them. I suspect they will be part of a class action lawsuit in the not-so-distant future.

This company is an absolute joke. After I deposited the checks into my account they canceled it a few days later, leaving me with a negative balance of -1,500. I now have 0 money in my account and it's now the weekend and I have no way of buying food and I don't have family to help me out. They could care less about the people who rely on this money to survive. They promised to send an overnight check before canceling the other ones and failed to do this, leaving me with no money for a whole. I have no food in the fridge and was supposed to buy groceries before they canceled the checks. Leaving me with an empty fridge and no money to buy food for a whole week. Piece of shit company.

My information inside an account I pay for is wrong. People added to my policy without permission?? Name is Wrong?? I can't access my account?? I've received 6 letters and no phone number getting help to get my account straightened out. No thanks!! Even getting email updated, tech department is not responding???

This is the worst that I’ve ever experienced when it comes to short-term disability. I had surgery on April 28, 2026, starting my paperwork process on April 8, 2026 trying to make sure I was proactive when it comes to having all paperwork and everything in order. Reach back out to see if they need any further information from me. My job or my physician spoke with one representative and she stated “call us the day You have surgery to let us know that you’re having surgery.” I in turn stated, "Ma’am how can I call you the day if I will be in surgery," she then stated “you can have a family member reach out to let us know that you are currently in surgery.” "Ma’am, what if I don’t have any family and it’s just me."

It’s been 4 weeks and still no pay out. They say it takes 5 days to review your case. They kept saying they needed more info. I had my ovaries removed and several other procedures. They had all the info from my physician and my employer. Some companies will do anything to delay payout. I’ve been paying this company for 6 years.

I had an excellent experience working with Jesse at The Standard regarding my disability claim. He was incredibly kind, professional, and genuinely willing to help during a stressful situation. When I was having difficulty getting corrected paperwork from my doctor’s office, Jesse took the initiative to reach out himself and worked to get the information needed so my claim could be processed. His persistence, clear communication, and willingness to go the extra mile made all the difference. Because of Jesse’s help, I was able to get my disability claim fixed. It is rare to find someone who is both efficient and compassionate, and I’m very grateful for the support he provided. Jesse is a true asset to the company.

I was reached out to by the escalations department in a day or two, who then dismissed the hold and sent the needed distribution promptly. Thank you.

The payout is slow. I updated my new mailing address and wait 2 weeks and they forgot to update. 🙃 What a joke.

The Standard actively tries not to pay - even when you have a valid claim. While all of the information needed is provided to them, they will willfully ignore the documentation and request it in a specific form that is unable to be provided by the medical institutions in efforts to avoid paying out.

Firstly, they request the same documents again and again regardless of the number of times you mail them. It is impossible to get anyone on the phone. Uploading documents to your account online is also difficult due to the website having problems or it appears to go through then you get a letter requesting the same documents and claiming you have insufficient information in your claim. They actually will use 'lack of doctors notes' as missing information. even after you sent all the doctors notes and emergency room orders and medical records and anything else that might fulfill that expectation. Then they send a denial based on 'not enough information supporting your claim'. You send an appeal letter and they stop communicating. You really feel like this company is a sham and that is why many people question the premiums.

If I could give 0 reviews, I would, my father passed and left us money. They struggled to give us our funds but they eventually came but when it came to my brother who is incarcerated, they dropped the ball. He had to go through an entire process to get me as his POA. To only be put on hold several time for process of approval of the forms. What? A bank can approve this same form within a hour. It’s been a month. Rude immigrants and liars (I had one try to tell me the fax number that 2 other representatives gave me was incorrect). Manager Ella is super disrespectful and treat you as if she is doing you a favor. They definitely don’t value their customers.

I had shoulder surgery due to an accident at home and I was put on short term disability. After 12 weeks, I was not able to return to work per my restrictions and I was supposed to the "flow right into long term disability" according to what someone at The Standard told me. That was a lie. I called multiple times to ask why it was taking so long, and every time I was told it can take up to 5 days. Well, it's always 5 days from yesterday with these people.

This company is terrible. They’ll tell you 3-5 days to resolve a claim, then close your claim, then deny having papers that have been confirmed to be in their possession multiple times. Next they said their computers were down. After that, they had to review my medical records (there were a lot of them apparently? That’s how most injuries work, why were they surprised by this?). Next the account manager told me that “it wasn’t even that much money”, like an effort to dissuade me from getting my rightfully owed money. Then a few other runarounds and after threats to call my attorney, bbb, etc. surprise! Your claim is approved, but we conveniently don’t have the direct deposit info we’ve confirmed having on 5 occasions now. There should be congressional investigations into this company. I will avoid them at all costs going forward, you should too!

The Standard closed my disability case for the month of February 2026 without any notice. I submitted my paperwork for my follow up appointment with my physician. I called on Friday Feb. 20, 26 to ask to speak with a supervisor..I was told to give them 24-48 to contact me. As of this morning the automatic system is stating my case is still closed. This is my only source of income since I'm out work injury. I would like to speak with a higher up because the ball keep getting drop. I'm not happy about this. My case should not be closed when I submitted my paperwork.

Get emotionally and physically prepared to have no income for 8+ weeks. You will not be fully informed about the steps in the claim process. Your adjustor will forget to mail your payments. I haven’t experienced a lack of ethics this severe since the 1980s, when insurance prior to regulation and the addition of technology.

My company just switched from Principal to The Standard. Have no idea why. Was with Principal for 10 years and they were a dream to work with. Just had my first dealing with The Standard and am not impressed at all. I’m taking a withdrawal from my 401K to pay for an urgent, unexpected expense of $4,000. When I called to initiate the withdrawal, I was told it would take 5-10 days to get my money. The Standard does not do electronic funds transfers - I received a voicemail today saying my PAPER CHECK would arrive in 10-15 business days! What kind of professional financial service company doesn’t utilize direct deposit for their customers?! Is this the 1930s?

Do not get insurance from this company. Years of paying into it and 0 assistance after having major reconstructive surgery. Initial injury was mis diagnosed as shoulder, no surgery required. Months later, after additional pain, the doctors were able to identify that there was actually another injury that was in my chest. At which point, I required major reconstructive surgery.

I have been on disability since 11/25 for shoulder replacement surgery. I have been through 4 surgeries. Without notice by mail, email, text, or anything my disability stopped mid Jan 2026. I have been on the phone with these folks no shorter than 12 hours since. I sent the surgeon's documentation in from last surgery I had on 1/14. All of a sudden they can’t “find” me or their systems are down. No managers or escalation available and most Communication is done off shore that you can’t understand.

This company is one of the worst that I have ever dealt with. Surgery on 12/18 and my surgeon provided the requested form with a return to work date of 1/30. They decided that I should return on 1/2. I had to get my surgeon’s office to do another form that stated the same thing and I am still waiting for a decision. When I called to make sure they had the additional form I was told no. Once I stated that the surgeon’s office faxed it and that I emailed it, they suddenly found it. The outsourcing doesn’t help. Stay far, far away if you have a choice!

I get a request for my doctor to fill out paperwork about my seizure disorder about once a year. If I can’t get an appointment with my neurologist immediately they start harassing me within a month. Making that appointment inside The Standard's time frame is difficult to begin with, but attempting it while dealing with a seizure disorder makes it more difficult. They could send the request earlier and allow more time to complete. Instead they would rather cause me to have a seizure trying to complete paperwork inside a short window of time. Maybe a disability lawsuit is the answer.

They suck. The first initial call in you will speak to the sweetest American lady you ever talk to. After that they are all outsourced overseas. And they are reading from cue cards. They screwed up and I am two checks behind. I am about to be evicted and lose my pickup. Thank you Standard. They do not care. I'm glad my company is changing to someone different than this lame group

I would not go with standard. I had a short term disability claim. It took forever to get a decision always was told it is going through medical examiner. I wis I would have never purchased this insurance. Sales rep came to my post office selling policies. Oh my claim was denied. Do not purchase policy with this company. They deny a lot of claims from what I am finding out. Go with another company. USPS carrier our union MBA offers a way better policy.