The Standard Insurance Company Reviews

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.

This by far is the worst company to go through. Customer service is extremely rude. They will charge you to do any withdrawals yet you as a customer have to do all the legwork I will never put any of my retirement through this company. Everything is resourced overseas. Speaking to customer service is just your standard textbook reading.

Ridiculous fees along with clerical errors like name misspellings that they are unable to fix. Took me weeks to fix the issue at my IRA custodian because The Standard thought it was good to send both my Roth and traditional 401k money to the same IRA. They were little to no help to get it resolved until I escalated way up the chain. Now I got a letter (even though my account was closed years ago) about updates in my account. So, I decided to log in and saw that $25 or so got added to my old closed account, and they've been taking $6 fees per quarter out of it. If you hate your employees, you should use The Standard as your 401k provider.

If I could leave 0 stars I would, some of the worst customer service I’ve ever had to deal with & response time is abysmal. Be prepared to sit on hold multiple times, they put me on hold for 30 minutes because a supervisor wasn’t available & they still didn’t have an answer to my question regarding retirement funds not being allocated. Stay far away from The Standard. If you have the choice of using a different company I urge you to do so. You will thank yourself in the long run.

I had a critical illness claim through my employer-provided insurance, which required multiple appeals before approval. Despite submitting all required documentation, the claim was initially denied twice, and customer service was inconsistent and at times rude, providing conflicting information. The claim was approved about two days after the insurance company was notified that my state insurance regulator had requested all documentation related to my case and that legal representation was obtained. While the claim was eventually resolved, the process was unnecessarily prolonged and stressful. Improvements in communication, customer service, and document management would benefit future policyholders. I would switch providers if I had the option, as the experience left me dissatisfied despite the eventual approval.

Do not take the cancer polio out! I’ve been waiting for 7 weeks after filling the claim and still no money! Terrible and pathetic! I’m out of work and do not have money to eat or drive and they don’t care! It’s always waiting on the medical examiner to have a decision. Idk what to do!

When you leave The Standard, they will charge you $75 for the privilege of leaving them. If you happen to have another contribution process after your distribution that is less than that $75, then that money is forfeited to The Standard as they, UNDER NO CIRCUMSTANCES, are unwilling to waive their fee. It is a clear money grab and their customer support don't care about actually resolving your issue or assisting you. Would never recommend or use going forward.

They are horrible with keeping up with payments, and the payments are so random, you never know when or how much the payment is going to be. Also, when calling customer service, I could not understand the rep, because her accent was too strong so needless to say, I got nothing accomplished. 👎👎👎👎👎 They get 5 thumbs down!

I left my job Sept 21, 2025. I reached out to The Standard for a distribution of my 401k. I was told I would need to wait 14 days for my address change to go through. I waited the required days and called. I was told that my employer did not update the correct information into the system and would need more days before I can have access to my money. It was not my mistake or error but I am being made to wait longer. They passed the buck and blamed my former employer.

During the end of short term disability and what was supposed to be long term disability, I did not get paid for 3 weeks. Which cause several over draft fees from bills still coming in. When I asked how long the transition would take from short to long term, I was told 45 days. So I had to cancel the disability insurance and go back to work with a partially healed amputation of my foot. Then after canceling, they issued a payment to me which they are now calling an overpayment which includes taxes paid. I have received no help from The Standard in resolving their mistake.