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I am going to file with BBB as well. My employer stopped me from working because I have a disability. The Standard gave me 2 weeks pay and then stopped my STD, I got a confirmation & denial letter in 2 pages. They said they would stop my payments if 1. I returned to work (no) 2. Dr. note saying I can return to work. (no) 3. Medical records. I have gave them 3 years of medical records and confirmation of my disease. To me, I lost my job and they won't pay after I have gave them all the information they have asked. This is cruel in my opinion, I have caught my employee representative in lies, saying "they didn't receive records" when I myself had sent them. Heartless company, when you need them the most.
I just checked the system using my social security number and was told that a $50 check was mailed November 27th last one October 27th. I have yet to receive any money from them. I also got a W2 for years of checks being mailed that I have not received or had knowledge of to now. Who can I contact to find out where and who these checks are being mailed to. I called the agency. They said they were sending me to the carrier of the case and she has yet to get back to me and then they tried to tell me that this check that I'm listening to on the automated system was for December. I said if it was for December it would tell me the last check I received was for December but this isn't it December. Today is December when I call was for November.
My husband works for a large, reputable corporation. The company had previously looked after their own long term disability insurance. Much to our disappointment, new leadership selected The Standard to provide long term disability insurance beginning 2019. My husband received a devastating health diagnosis in 2018 and has been on short term disability that will end in December. He will be undergoing a medical procedure that is automatically guaranteed one year of disability through SSDI, but my husband plans to return to work after he recovers well before the one year mark, barring any unforeseen complications or side effects.
In the meantime, The Standard was nice enough to let us know that long term disability from Jan. 1-Jan. 31 won't be paid out until early February, effectively putting us one month behind in bills. My husband would typically receive bi-weekly pay, but thanks to The Standard, he won't see one paycheck in January. I am out on unpaid FMLA to care for my husband, using savings to cover my pay. With thousands in medical bills coming in on top of regular household bills, not receiving any pay for an entire month is unacceptable. And this is just the beginning. you have a choice, stay far, far away from The Standard.
On this day last year I was a pedestrian hit by an SUV. I suffered injuries and I am still in the healing process from a traumatic brain injury. Aden ** an analyst with Standard has been a total screw up on my LTD benefits. She made several mistakes on my claim and then she tells me that I owe for an overpayment of 1600 due ASAP. I don't have that kind of money laying around so now I am unable to pay my bills. I have asked to speak to a supervisor and I am still waiting for one to call me back. Even the new analyst that I was transferred to name Sharron ** has done a disappearing act!!! I wished that I had seen the previous reviews before I choose the Standard for my long and short term disability benefits insurer. I wonder if they have ever had a class action lawsuit filed against them. If not, they sure need to have one filed and I would definitely be willing to be a participant in the lawsuit against this company.
This policy was purchased through FedAdvantage and at the time of purchases the company did not state that they deduct income from personal time off (leave, annual or sick) from your benefit. I make over $100k a year and for my pregnancy claim I received $930 for 3 months of sickness because I used my leave to keep my health & life insurance & 401k benefits going. Basically they cheat their customers by deducting 100% of anything you earn pretax from the 66% they are supposed to pay. So if you make 1000 and are supposed to get 600 from them if you use your leave to cover 300 for your benefits they will only pay you 300 because you "earned" money. This insurance might only pay out a benefit if you allow all your other benefits like health & life insurance to lapse or if you are totally & completely disabled with no chance of working ever again.
I have paid more in premiums in one year than I have received in benefits. In my opinion this "insurance" is a sham. There was no intention to ever really pay. In addition, to the fact that my doctor still has me on leave from complications of my pregnancy that have not resolved & they are not honoring that at this time. They have a back to work benefit which basically is the same premise 100% of what I make is deducted from a reduced benefit which washes out to me getting nothing. Buyer beware! The rider does not indicate that they will make every deduction and every effort possible to not pay the full benefit that they advertise when getting you to sign up. This insurance is the WORST. The absolute WORST.
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I was a teacher for over 20 years and contracted with the standard to buy disability insurance. I developed rheumatoid arthritis, and after 12 years I could no longer keep working. I applied for disability, which they did pay out the first two years. However, after that they decided that I could do all different kinds of work, like as a customer service rep, despite the fact that I remain crippled by rheumatoid arthritis and cannot stand or sit for more than a few minutes. Although I never saw a single one of their doctors, they denied my disability claim. We will beginning litigation next year sometime. If you need disability insurance, go elsewhere. If you’re foolish enough to choose this company, make sure to get a good attorney. You’re going to need it.
They are just like politicians. Promise to do and love to take your money but when it comes time that you need them. They refuse to pay out. My husband was a customer of theirs and was involved in a serious motorcycle wreck that left him fighting for his life and permanently disabled. After jumping through all the 7,832 hoops they wanted and letting them have access to all his doctors. They stopped payments and refused to honor their policy; yet my husband is still disabled and cannot work. Save your money and never never never give a dime to usable. They are thieves.
Ms. Katie ** states in her response to my claim "Benefit decisions are made objectively and according to the terms of the applicable policy."
2. The Standard had the results of my claim on 9/12/18 via email and stated they would not release the results. (Stall and Deny).
3. The Standard never requested information from the medical professionals identified and would not accept follow up documentation.
4. The standard was hostile and aggressive in their denials and stall tactics, increasing after being notified of Jewish religious holiday observances.
5. In an encrypted email which was sent to me and printed before deletion, Ms. ** admits to not communicating.
Ms. **, Heidi ** and others engaged in egregious violations of consumer rights which jeopardize the health and safety of myself and others due to my condition and restrictions. By willfully and knowingly following these illegal activities, they, and The Standard can be held civilly and criminally liable should there be adverse effects to the illegal practices. (Regardless of what they me told by their chain of command). Knowingly following illegal practices is a crime. The Standard, and those identified engaged in stall and deny tactics as well as Title 5 Racial and Religious Discrimination which puts people’s lives in physical danger.
In processing my claim from short-term to long-term disability they took over three months. Was told that the extension of my long-term disability when it would be reviewed was not going to be an issue and that likely they would be hoping to get my long-term disability changed over to SSDI. Instead I get a letter on August 31 that on August 31 they are denying my long-term disability claim. I have had over 60 doctor appointment in less than a year and they reviewed less than 10 of those doctors appointments. Did not care That the Neuromuscular neurologist said that trying to work would make my condition worse and that my condition was going to take months to years to get better. As a single mom with three kids they could not care less about anyone.
The Standard is quick enough to take your premium, but they are experts at saving money by denying claims. (Hmm, taking money, not providing what was promised, sounds like theft, doesn't it?). Talk about kicking someone while they are down: out with a disability, no money, as the Standard refuses to pay what they owe. If you hire an attorney to try to collect, the money will end up in legal fees.
For the first 16 or less months I had no problems with this Company and then I receive a letter stating they are cutting off my benefits due to their doctors (mind you who have never seen me) who believe I can work at my old job but with restrictions. I have acute heart disease and acute vein disease where they took veins to do quadruple bypass which have closed back up. After the surgery I became so infected PA of surgeon thought they would have to go back in to redo work and clean out infection so I lay on couch for seven days a week with only being able to go to doctor twice a week and in-home health care three days a week. But now I have not been released to go back to work and I have no money to pay bills (they don't care but karma is a ** and what goes around comes around guys).
I had some questions about the ending of my STD leading up to LTD and called into their offices and got Lisa on the phone. During our conversation she overspoke to me - talked over me - wouldn’t let me ask any questions - was militant - belligerent - rude and abrasive. During the end after I let her run her tangent for over 15 minutes and disrespecting me I asked to speak to her supervisor and she HUNG UP ON ME. I complained to her supervisor Karen and now I am getting denial information in the mail about my LIFE INSURANCE after I had requested Karen to assign my claim to someone else - I feel like I am being DISCRIMINATED.
I have been working for my employer since 2014 and added The Standard's short and long term disability to my benefits package. The premium has voluntarily been deducted from my paychecks. In July 2017 I became disoriented and dizzy on a regular basis. Since I was unable to drive or complete my tasks at work I sought assistance from my regular doctor along with two neurologists, a rheumatologist, a neuropsychologist, and a gastrointestinal doctor within the last seven months; all the while unable to work. I have had MRI scans, CT scans, and numerous blood tests, all of which were provided to The Standard.
The Standard paid a $1600.00 benefit for July through September. I requested an extension of benefits and, although my health had changed and the doctors were still searching for a diagnosis, my claim was denied. I requested a review of the decision in early November 2017 and continued to provide The Standard with all medical documentation. I have been informed today 3/29/2018 that my claim will remain closed and denied. Although the doctors have been, until now, unable to diagnose an exact illness of the symptoms I am experiencing I still am unable to drive and work. I am confused as to why I was paid with no diagnosis at the beginning of my claim but denied benefits from then on when there's been no change in symptoms. I believe this is an unethical practice and have found this to be a pattern of this company. They're happy to take your premium, but don't stand behind the individual paying it.
I have been dealing with The Standard Insurance Company for almost 2 years now. It was fine the 1st year but when I started getting my Social Security Disability things went to hell. The Standard started sending me over payment notices. I had no problem paying back what Social Security back paid. I did that, then The Standard Insurance wanted a mother $1000.00. So I paid that even though the letter stated my overpayment would not be more than what I was awarded from Social Security.
Then I called The Standard to ask if it was ok to roll over my retirement into a IRA. I was told that it was fine as long as I sent prof showing I did not keep it. Then about 9 months later I get a letter stating they wanted $780.00 for me rolling it over. Then a week later I get a letter stating they would be taking anywhere from $200.00-$300.00 out of my checks each month as a penalty. They are still subtracting $350.00 too much from my Social Security.
Just today I got another letter saying I have a overpayment of $395.00 for the month of February. I am confused because I did not even get a check from them. When I went to have my taxes done we couldn’t do them because The Standard Insurance W-2 shows I paid into them more than they paid me. When my tax lady call The Standard Insurance the guy kind of laughed and said (wow I don’t know what to tell you). We asked if there could of been a mistake and he said no that the W-2 was correct. I am suppose to be getting 90% of my wages but with them taking more than they should I only have my Social Security to live on. I wish something could be done as I paid into this for many years thinking it would ease the worries if I ever got sick, well here I am worried. How I am going to keep coming up with money every month to pay them back on their so called overpayments. It sickens me that they can get by with this.
I contacted The Standard to cash out my life insurance policy. They said that it was term life so I would receive nothing for all of the payments that I have made. This is the policy that my last employer (UAMS) provided to retirees as long as we made the payments. Well, I won't be making any further payments. What a ripoff! I will say that the lady who answered the phone was pleasant. I hope that she is able to find a legitimate job soon instead of representing such a shoddy company.
I have been a customer for over 25 years. My son just passed away at age 28 and I was informed he was not covered because he was over 21. No one ever informed me of this but took my money for the premium. In a time of loss and then find out I can't bury my child is very hard.
The Standard is the only long term disability company my institution works with so I applied for coverage which is a lengthy process (a state institution with change of benefits once yearly). This was advised me by a financial advisor and I’m in a professional position. From November 2017 I prepared my application and received a denial dated January 4 in mail. Based on medical records from my primary care physician they denied covering me due to a “shoulder disorder” as I had injured my left shoulder at the gym last year (where I go regularly or as an alternative go for 3-4 mile runs 2-3 times a week) that cleared up in a month’s time.
Granted I do have mild chronic right shoulder pain that is muscular (I type often for work and commute several days a week 3 hours of driving round trip which leaves my right shoulder tight). I deal with it with exercise (work the muscle at least once a week through weights, yoga, Pilates, and or barre) and massage therapy (twice monthly at most). Apparently they Characterized that as a “shoulder disorder” and denied coverage to a healthy and fit professional who enjoys her career and considers cause for disability as needing to be something that limits my ability to teach, write grants and publish manuscripts, for example, suffering a bad accident with loss of use of upper limbs and/or brain damage. I plan to appeal this decision and read up on other entries in ConsumerAffairs on The Standard.
I was hoping by their insured on a rainy day, she was drive extremely fast when she lost control and after sliding all over the highway she hit my car. Fast forward a few weeks, I had to wait for the police report to get her information, and I put the claim in to have my car repaired. Fast forward almost 4 months and I just learned the person handling my claim no longer works there, which is why my claim was never process. Now I at least know that much but I learned that I have to pay out-of-pocket for the rental car.
Standard did say they will reimburse me for the cost of the rental, but how can I trust they won't drag their feet on getting the correct to me? Never mind the fact that when I told the new person handling my claim that I could not afford the cost of a rental. All I got from him in response was an "oh well that's how we do it here." I guess I'm expected to not have a vehicle while my car is being repaired? Do yourself a favor and if you're ever hit by someone with Standard Insurance just go get a lawyer and let the professionals handle this company. You'll thank me in the long term.
My experience with Standard has been very disappointing. I have been a customer for approximately 20 years. During that time I have never missed a premium payment. Then, I became disabled with M.S. Honestly, this illness has been devastating to my business and to my income. I have submitted claims twice and this company (Standard) seems to be going out of its way to find reasons to deny the claim.
However, I do not understand the reason for the denial because Standard will not provide me with the basis for the denial. If it has attempted to advise me it is not specific enough to do any good! I still "work" because if I didn't, then I would go bankrupt! This company, which has gladly taken my premium for years, is creating quite a problem because if I stop work, thinking that Standard will fulfill its obligation to me, I have no way to believe it will pay for my disability. This company has operated in "bad faith" regarding my claim and I am now going to do something about it! THIS REALLY IS A TERRIBLE COMPANY!
I went on LTD following an industrial injury. The Standard sent me a check for over $7,000 that I did not think was correct. After calling them and verifying that I had that amount coming I cashed it and paid tax on it. The following year they contacted me demanding I pay it back ASAP. I could not recover the lost tax as you need to go long form and my tax man could not recover any of it. The Standard's mistake cost me thousands in taxes for payment I had to return. They didn't so much as apologize.
This is the worst company to deal with in your time of need. I got my Short Term Disability no problem. I started working on my Long Term Disability weeks before the ST was to run out. I spent over 2 1/2 weeks trying to figure out what was going on with my long-term disability. I spoke to somebody and they said that that I had to fill out a separate form from the one that they got - which is what they included in the packet. I signed the form and they sent it to my Doctor who said it was not HIPAA compliant. Every time I speak to somebody different they say they don't have any information on it. I was also told that my records go to another company that they outsource for this. Now it's three weeks without a check and they're still screwing around. Now I'm at the point where I have no money still and a hurricane is coming. I can't go anywhere because I don't have a cent to my name. They don't give a crap!
I worked for my current employer for a year when I was diagnosed with colon cancer. I was so glad that I opted for the short and long term disability insurance. Boy, did I learn a lesson. I contacted the insurance company before I went on leave figuring that I could expedite things and to get all of my ducks in a row. I was handed over to the man that was in charge of my short term disability claim. He turned out to be a nice guy. He did, however, inform me that I would receive short-term disability for four weeks upon which time I would be handed over to the Long-Term disability department. I thought that to be odd since I was only going to be out for seven weeks.
All things considered, the short-term paid off well. I got four checks and then a letter came from long-term disability saying that they needed to investigate because they suspected that my colon cancer may be a pre-existing condition. So I filled out the permission form for them to get information from my current provider. Next I received a request to sign a permission form for a previous provider group. Bear in mind, this was happening in May of 2017 and they wanted the information from January 01, 2016. I sent in the permission form. Next I received a permission form request for a pharmacy that we used and a week later they wanted a permission form for a pharmacy that I used maybe twice. Also bear in mind that I was never seen for any cancer related issue before this year, ever.
So the next thing that happened is that I received a letter saying that they were still "investigating" my claim, so I called the adjuster who told me that it could still take "several weeks" to make a determination. The next letter that I received was one telling me that they were also investigating my life insurance, who it happens is offered from The Standard Insurance Company. The letter said that my life insurance might be dropped, or at the very least I would be responsible for paying for it in whole by myself.
So, today, which is August 02, I get two more letters, both telling me that they need more information. Although the adjuster told me that he had received all of the information from my current provider, the letter stated that they have never received that information. I was also told that they have never received information from that one pharmacy that I used a couple of times. They are basically requiring me to call these entities to provide the information to them.
I've had it. I'm not quitting my quest. I am going to send out a mass mailing to everyone in my workplace to ask if they've been screwed over by The Standard. There are two women on my unit who have had various bad experiences so there must be many more who can testify that they've been shafted. I'm doing this to pressure my employer to get a new insurance company. This is going to be hard because I work for a state entity. I'm also going to contact my state and federal legislators to ask for help. This has worked in the past for other concerns that I've had about impropriety in government and/or insurance companies.
The thing is that companies like The Standard do things like this to people to make them so frustrated that they just give up and move on. I'm not that way, I'll see this through to the end. I'm working again and I can afford to be a fly in their ointment and a burr under their saddle. They've messed with the wrong person this time.
I have to ask other people who have had experienced these folks. I have literally sent in everything they sent to me and gave them info they needed. They are the worse to deal with!!! Every time I call I get someone different who has no clue and I explain it over and over as if I'm starting over. Then they just out of nowhere stopped my checks, with no notice at all. So now I'm screwed on paying my bills with the money I worked for since I was 16 years old, is that even allowed? Can they stop my check without giving me any notice? And since I have not a penny to my name, my phone was cut off and usually the automated system will call me to let me know if my check went out. Does the automated system generate a check? Maybe I didn't get it because of my phone being cut off? Can someone please help.
I was struck by lightning in 2014. I received Long term disability check from the Standard until my Social Security went through. I have PTSD therefore after 24 months I could not draw my Long term check from the Standard due to a clause in the policy so they started withholding my entire check several months before the checks were to stop. I received a very ugly letter requesting the entire balance that I am and was not in a position to pay due to being disabled and a very low income. They demanded that I pay a $100.00 a month or they would destroy my credit.
I paid them $100.00 only in July 2015. I as agreed or they would put it on my credit. After that my husband and I wrote them a letter and told them that we could only pay $50.00. Then my Ss went down due to Medicare so we wrote another letter stating that all we could afford is $25.00 a month. They have been accepting my payments for 10 months now. Today I get a letter from a collection agency stating that I owe more than is owed and a judgment is being put against me.
I purchased both Short-Term Disability and Long-Term Disability policies in good faith and shortly after excitedly starting my new job. I was enrolled in these policies without any lapses for more than two years. My employer had many administrative problems and those problems caused many of the workers to seek treatment for a variety of medical conditions including stress and depression and work-related PTSD, being required to do, perform unethical and dangerous business practices sometimes endangering patient safety as well as employee safety.
I sought treatment from a Medical Doctor regarding my situation. I explained to him that there were safety issues and physical threats as well as dangerous working conditions as the temperature had reached 89 degrees without any ventilation and without windows and working in a security controlled records department. I was also required to perform an increasing workload that was previously performed by 4 full-time employees. I was feeling very overwhelmed and stressed and under a lot of pressure by Administration that was constantly requesting me to complete the ever increasing amount of work and to complete management tasks that took me away from my desk to attend hours of meetings while still completing all of the work and some of the work was patient related information. I was the only employee running and working in a vital to patient safety department that was previously staffed by 4 employees.
I had sought treatment by a medical doctor and explained to him my increasing concerns for my health and well-being. My Doctor felt that I needed to be treated and he put me on disability and he completed claim forms for both Short-Term and when eligible for Long-Term disability paperwork. I have gotten nothing but a run-around. (It appears by reading the comments, that many other people that have filed claims also have had the same treatment). In August of 2016, I filed a claim for Short-Term Disability with a company named, "The Standard". The Standard said they received the claim information, then they said they needed me to send it again (First one was sent certified mail and received by them) and then they said it was being reviewed, then reviewed again, then again, through several levels of reviewers.
Then more information was requested and more information was sent it to them and they were reviewing more information all the while saying that I have a "Claim". I have correct claim numbers and information and that it will be processed promptly. And then after 9 months, I was told I have been requesting my claim from the "Wrong company". I was told that my claim should have been processed through a company called "The Reliance Standard".
As a consumer, paying my premiums through payroll deduction in a timely manner, expecting a product in the form of an insurance policy, that has been fully paid for, I would expect that this would be a simple and clear transaction and that "The Standard" should honor their responsibility as the recipient of the premiums and they have benefited from the payment of these premiums. But it appears that there is a problem with the handling and mishandling of the confidential patient and employee information.
According to the reviews on the Consumer Affairs website, multiple copies of the same information has been requested by the Insurance company. I am requesting a prompt resolution and payment of my claim for Short-Term and Long-Term Disability benefits as all information has been sent to both companies and it appears that they don't have a problem with delaying their payments to the detriment of me the consumer that purchased their product for the protection of myself and my family.
STANDARD, LTD benefits... get a good attorney. I'm disabled type 1 juvenile onset diabetic... 30+ years… neuropathy from my hips down... multiple injury related surgeries and so on. 3 of my doctors concur with permanent total disability. Yet they use their paid for drs that have never even met you to evaluate your medical records in an attempt to deny you.
After months and months of stress and grief and sleeping trouble I decided to dive into who these people really are... OMG. They are worse than greasy used car salesmen. They lie for a living. They push people to the brink and hope that person gives up. Note... these people are already disabled, WTF. They lie about everything, from receiving faxes, medical records, mail sent. They laugh at my despair. If you’re unlucky enough like me you will be assigned to a senior case analyst. This is a person that has worked their way up in screwing disabled people out of their benefits. If you're like me I have nothing... but the will to fight these people until the bitter end, with a GOOD attorney... good luck...
It's only fair to follow up that the agent I am currently working with has spoken with my provider and myself multiple times since my first review and the service is greatly improved. I think this improvement has more to do with the individual professionalism and skill of the agent and perhaps not so much with the standard operating procedures of The Standard, but there you have it. I will continue to update these reviews as my claim proceeds.
I am only giving a one-star rating because there is no zero or negative number option. This company sends repeated notices that they have not received the appropriate paperwork, repeated notices that customer has not submitted appropriate information or forms and telephone directives that supply different fax numbers than official forms. They cost my doctor's office and physician's time and money in duplicating forms and re-submitting every request. They send repeated notices that if they do not receive further documentation of fulfilled "requests" they will "decide your claim without them" within 30 days.
The strategy suggests that their business paradigm is to delay the claims as long as possible and in the event the customer gives up or fails to prove that the documents have actually been sent multiple times, they are actually able to deny the claim. My doctor's office has documented and supplied copies of every fax -- but apparently The Standard hasn't received them?
The Standard requires you to have paperwork filled out by your doctor and in every month The Standard states they have not received it. My doctor faxed it twice, I called and they still have not received it even though the transmission states it has. Correct fax number but they don't seem to get the faxes causing a delay in my payment!! It takes a representative to be in a three-way call with your doctor's office in the line, The Standard rep, and myself, then my doctor's office faxed over the paperwork and Ebola, The Standard rep gets the fax. Don't deal with this company. It has the worst customer service EVER!!!
I had hail damage to the roof of our home and when I received the estimate the company depreciated our roof as they said we have an ACV policy and need an RCV policy to receive the replacement cost. None of this is mentioned when you sign up. However when you need it you get "you need to add coverage." Next none of the damages to the interior of the house are covered as they say this is all due to a poorly built roof that has a valley above the garage. 3 of the rooms with additional damage are upstairs above the "valley". I was then told it was condensation that caused the issue. I told the adjuster that the towel I placed on the window ledge was ringing wet after the last rain and the carpet below was wet as well. He said I should get additional coverage after I called his bluff twice. Very dissatisfied.
Prior to having surgery, all of my disability forms were completed and sent to The Standard. On Page 1, it states that they are required by law to withhold 28% of my benefits, unless a W-4 form is submitted. I submitted my W-4 with all of my other forms and had my surgery. Checks began coming, then stopped and I was not given any notice. I called to ask why and was told that they needed the doctor to fill out forms. 3-4 weeks later I began getting paid again. After 3 months, my checks were significantly less. I called again and I was told that they forgot to withhold my federal income taxes. No one gave me any answers as to why and I was told that they made a mistake.
I now owe over $5k in taxes to the IRS and when I called to rectify the issue, no one can give me an answer. I asked to speak with a supervisor... 2 days later, he's still on the other line. I continue to leave messages and no one calls me back. From the stopped payments, to the tax issues, to the unbelievably bad customer service, this company is an absolute nightmare to be covered by. Hope you never need these guys.
The Standard Insurance Company Company Information
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- The Standard Insurance Company