The Standard Insurance Company
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The Standard Insurance Company Reviews
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I had surgery in October and have been out on disability since then. Unfortunately, I had some complications and my disability was extended. The Standard sent me a letter by mail that was received over two weeks from when they decided they were reviewing my claim. Since then they have still not sent payment to me and state that they are waiting for my follow-up appointment with my neurologist. The “senior analyst” who does not have a medical background is making decisions on my eligibility for disability and refuses to acknowledge the disability statement from my doctor. Money is already tight as I am living off of a reduced paycheck but now they are withholding my money. This is criminal behavior and not something you put someone through when they are trying to recover!! Shame on them. I am lucky enough to next school year switch back to American Fidelity. This company’s customer service is so horrible and rude!
I was off work for 5 weeks+ with no income. They lost paperwork that was faxed numerous times. Finally a check dated 1-11-2022. It's now 1-17-2022 & no check had been seen. I hated my experience. 0 stars.
What a miserable company to do business with! T ** was the most incompetent, incoherent employee to deal with. I had tried to cancel my policy, they didn’t respond and then claimed overpayment. I proved actually underpayment!
I’m currently dealing with this company but want to start with my experience last year. They sent a check for way more than I should have received, cancelled the check and put a hold on my account until that amount was equal to the time off but they canceled the check so I never received any payment and no other payments were being sent out. It took months to get anything from them. I’m going into another surgery from that car accident, just over a year later. This time around, my paperwork keeps getting lost. It has been a month and they have yet to get it together. Every once in a while you will get the one guy that does his job when you call. For weeks I’ve been calling to see if they have received my paperwork. I am always told there is nothing in my file.
I call my doctor and verify the dates they sent it to the Standard and have been given the fax confirmations proving the standard should have it. So I ask everyday if it’s in their inbox and am told it isn't. I finally got the guy that is willing to look at the inbox and sure enough he found the paperwork on the days that my doctor sent them. This company is supposed to help people but they are to lazy to do anything. If their employees could check the fax inbox they would have a lot less issues. The Standard needs to do employee evaluations and get rid of the incompetent ones so that they stop messing with peoples livelihoods. I’ve lost thousands of dollars due to this company. When you are injured and sick the last thing you need is to not be able to pay your bills because someone refuses to actually do their job. This is ridiculous.
I applied by phone as provided by my employer. I received a letter that I qualified for FMLA but not disability. To file for NJ state disability. I tried because I didn't know better. 4 days later and several phone calls a day later, only to find that my employer has private disability and of COURSE I qualify, but the company had to further review and approve. Then the disability was extended from 4 weeks to 6, and I had to wait for further approval from The Standard. NO ONE knows what is going on when you call. When I said - my employer employs YOU, how do you not know its policies? The reply was that my employer is a fraction of the work they do, so they wouldn't know. Ridiculous reply.
They don't know what they are doing, they don't know what your employer's policies are, and they got my case WRONG from the start and it took 4 days of frustration to straighten it out. They act like you're a criminal for taking disability - this is the first disability I've had in 40 years. More than disgusted by this company. Shame on The Standard. Worst service.
This insurance company has to be the most unreliable ever. I filed for paid leave on Oct 20 via email and Nov 2 of this year and both times I was told they never received it. After digging they finally found it but then said it wasn't complete. I ask when did they plan on reaching out to me. They stated they did. I told them I never got a call and if so why not leave a message. I also stated why not leave a email. I'm still going back and forth with them and after spending two hours on the cell with a rep nothing was accomplished. They not only lie to cover up the fact that they love to pass the buck on to the next rep. They are so unreliable. If your company is in business with these clowns, "Good luck." My dad has stage 4 cancer and I cant get them to approve my paperwork. I'm beginning to feel like it's a conspiracy.
I had to have surgery to to a chronic injury and had paid into short term disability with this company through my employer, @ the beginning I seemed to have high hopes that everything would work like it should being as though with the contract they have with my employer you have to wait 31 days before you even get paid which was fine, I had PTO to use, they sent 2 check in and then everything stopped. I have received nothing since they “claim” the faxes aren’t coming the day my doctor sends them which is untrue. You have to wait 5 days for them to review it then another 7-10 days for the check to me mailed and not direct deposit, this has been a horrible experience for me being a mother with 2 children!
When you pay for short-term disability that's for if you get sick or you have an illness or an accident. They make it so hard and so complicated and wants so much paperwork. How is the person expected to get all of this paperwork when they've been in an accident or they're in the hospital and they have no family members that can do the running around. They make you jump through hoops and bounds for pennies if you can even get it. I would never go with this company again and I hope my company dumps them along with a lot of other places that have them. The worst experience I've ever had especially when you're sick.
When my son was born, I applied for life insurance through my employer with Standard Insurance company. They took six months to make a decision, never communicated at all during the process. Trying to even get information about where to send the application was like pulling teeth. No confirmation they received anything, ever. In the end they denied the coverage for a very minor non-life threatening condition. My doctor isn't even concerned about it. I then applied for a policy with one of their competitors through my wife's employer. Completely different experience. Easy process, and approved in 3 days! I will never waste my time with Standard Insurance again, and have shared my experience with my employer who will hopefully find a better insurance company to deal with.
Why is 0 stars never an option. I am beyond disappointed and feel taken advantage of with this company. Every time I call and actually speak to someone I'm lied to. The claims rep assigned to me cannot seem to return my calls and neither can her manager. My money seems to be sent later and later every month. This means a world of headaches for me. No one seems to know what's going on and I'm stuck with late fees and overdraft fees, etc. Companies don't want to hear a sob story, they just want their money and so do I.
If you have another choice then choose another company. Here I am expecting direct deposit on the 6th, it's the 14th and still nothing. Not even a paper check. Don't piss on me and call it rain. Just do your job. At this point I really don't know what to do. Companies are sharks and they need to be held accountable to the consumers not their shareholders. It seems like they literally get away with anything and everything. They truly don't care because there's no sort of immediate repercussions for their actions. Goals need to be shifted and work loads need to be lessened in order to do a job fully and accurately. All of this may fall on deaf ears because everyone knows best but can't seem to get it right.
Almost impossible to find an in network provider. Most dentists will accept, but items "covered" are well below what the dentist charges. Even when we have found "in-network" dentists, they have withdrawn from network.
I had very few issues with my STD claim with the company but have had nothing but problems with the LTD side of things with lack of care, concern, compassion, and urgency from the representatives handling these accounts. They put and depend the majority of the work to be done by the progressively disabled claimants to do the majority of the work for them. They do not care to help escalate requests when they have a disabled claimant but being able to feed themselves or children along with no longer being able to afford to even cover necessary medications.
When pointed out that if claimant gets worse or dies due to not being able to afford medications thanks to their lack of urgency, they will send police to bang on your door to do a welfare check on you. When explaining that you can't pay for food or medications because The Standard is sitting on their butts waiting for claimant to do all the work, police agree that their care is atrocious and they are getting more and more complains.
This Standard retirement service they are a bunch of crooks. I was employed with the Beautiful Legacy with a 403Roth with this modern day con artist company. I borrowed against my plan. The money was taken out of my plan when I wanted. I left the Company and contacted the standard. I had 1470.01 as of December 28, 2020. I was told as of January i had 999 something. WHAT HAPPENED?? Then I was told I have no money left. I had to pay back the money I borrowed. Well I borrowed money from myself so what happened to my money and please how do I owe you money. I never borrowed from you.
The girl couldn't and wouldn't tell me if I borrowed money from my Roth having over 2,400 and I borrowed 1,000 & my Roth went down 1,000 doesn't that mean it came from my account as explained by HR??? She never addressed the issue kept saying, "Do you remember borrowing 1,000." Um yes from my account. Do you remember me having it deducted from my account??? What a bunch of thieves. Omg a class action lawsuit against the standard needs to happen after they are given a investigative audit!!!
Sierra (Ciara) was the most helpful compassionate lady. As soon as I submitted my paperwork and my doctor faxed his, I was approved. The only problem is they don't do direct deposit. Mail only. The best!
I had dental insurance through The Standard for two years, through my employer. In that time, it regularly took them over six months to pay out claims to my dental provider. They also gave conflicting and often wrong information over the phone to both me and my provider. I continue to have an outstanding claim from July 2019. When I initially called about it...back in the fall of 2019, they told me that they were waiting for information from my provider. My provider has records of each call, including confirmation numbers and names of the associates they spoke with. At the same time, they were telling my dental provider that they needed information from me. They are now claiming that they won't pay out the claim because we didn't get them the information on time, but we did.
Also, the person who spoke to my provider today, as we are still trying to resolve the issue over a year later, told my provider that the process described previously by another associate was completely incorrect. I feel as though their MO is to take paid premiums and then refuse to pay out for covered services, while hoping that if they draw the process out or use enough obfuscation insured members will give up. I'm so glad that my provider has agreed to forgive this cost because they agreed this was not our fault. I'm also so glad that my employer dropped them as our insurance provider.
The Standard Insurance Company lies to you and do whatever they can to keep from paying out on their claims. I got this insurance because I have medical issues that are progressively getting worse. I have to be out of work for long periods of times. I have been paying for this insurance for 5 years. I am out of work and I filed a claim. Many of the representatives are rude. They talk down to you. They continuously asked for additional information. They act as if they don't receive the documentation. This is a ploy to keep from paying out on their claims. As if covid-19 is not bad enough. I am in a very bad situation because I don't have any money coming in at all. I can't get unemployment. I really don't know what I'm going to do. The Standard Insurance company is terrible. I wish that I what have read the reviews before I purchased this insurance 5 years ago.
I made a disability claim over two years ago with the Standard due to a pain, debilitating, stage 4 cancer diagnosis. In the very beginning I did not have problems contacting the company and I did not have problems with paperwork. Several months later, the company reduced my claim (due to a miscalculation of my income on their part regarding my disability income). From that point on it became very challenging to get a response from them. My agent, Chad, did not respond to voicemails, did not answer my calls, and did not respond to my emails until after multiple calls, emails, and voicemails over several weeks. After a phone call demanding to speak with a supervisor (which went straight to voicemail like everything else) where I threatens to contact an ombudsman and the insurance commissioner, lo and behold, I received a phone call from the supervisor. It took a couple more months for the situation to be cleared up.
As it turns out, documents related to my request, which were supposed to be sent to one particular office, landed on my case manager's desk and got filed away sitting there for several weeks until I demanded to know what happened to them. Their response was, "Whoops! We have no idea how that happened but we'll see that it doesn't happen again." (I am paraphrasing here.) This same scenario happened several more times over various issues. The last one, and the most disconcerting situation is where they have lost or misplaced my personal private medical information from my physician!!!
Due to my disability, periodically I have to have my disability review through my physician. March 2020, BEFORE the pandemic, The Standard requested a patient release of medical information statement, and a physician statement. I mailed mine, my physician faxed theirs. The Standard claimed to have received neither of them.
Please keep in mind, I am extremely fatigued, I am on a very powerful chemotherapy treatment, and I am very, very, sick. I received a warning letter through the mail that they have not received either of these and I needed to resend them. The day my physician and I both resent the paperwork, I called the standard and refused to leave the phone till I knew they had received the faxes. Apparently, by that time they had two physician statement and two Patient release forms! Their only explanation was that things have been floating around I guess.
Fast forward to July 2020. I receive a request for yet ANOTHER set of patient release forms and physician statements. I assumed they were being required every few months and I and my physician sent them off posthaste, as they were before, one was faxed and one was mailed. The Standard does not have them. A month later I receive a request for another set of documents! The reason I gave this review to stars is because this time when I called The Standard, they actually answered the phone, and the agent was very helpful. And this is the only reason I gave them two stars. The agent's name was Dietrich and he was very kind. As it turns out, this set of physician and patient statements are not related to a new review.
I have no idea what they did with the documents they received for the second time in March, (the documents that I called directly, on the day I back to them, to verify that they have been received-which they said they had), but they have gone missing, for the third time in a row. And, sick as I am, I am having to send these documents for a fourth time. This means my doctor has to fill them out for the 4th time.
The most concerning bit about all of this is, WHERE IS MY PERSONAL INFORMATION? I am mostly concerned with where my private medical information has gone. HIPAA act says that this information needs to be secured. There is no way to know if it's in a secure place because they cannot locate these documents. They have lost them for the third time in a row. I find it extremely irresponsible for a company that deals with finances and medical documents to lose private, personal, confidential patient documents repeatedly and not be able to locate these documents. They really should be audited. I don't know what they're doing with other patients' information but I know what they did with mine. They lost it, they misplaced it, they want to blame the pandemic, they want to blame whoever, wherever, and whenever but they don't want to take responsibility for it.
I have no idea if they will get my position statement and keep it. If the pattern continues, in spite of the fact that Dietrich had me photocopy my patient release form and email it, and he confirms that he received it, I suspect in a month's time I will receive yet another request stating they have not yet received my personal release form and how concerned they are that they have not received this medical statement, and that, my plan requires that I provide evidence to support my disability and etc. etc.
In summary, pandemic or otherwise, The Standard, in my personal experience, is an extremely, disorganized company, with several irresponsible, probably overworked employees. It's my perception that the system is set up so that no employee has to take responsibility for any actions. Just about every single call goes to voicemail, and every email goes to a group of people, so no one person can be said to be responsible for messing up. There needs to be a serious review of how things are being handled, both documents, and customer relations. While I'm grateful for having disability insurance, which I paid for so they are not a charity, trying to deal with this company has had a bit of an impact on my health. I sincerely hope someone from the company is able to read this review, takes it to heart, and make some changes. If everybody was like Dietrich, I would not have had this problem in the first place.
I have a rare brain disorder Chiari Malformation. They canceled my LTD based on the opinion of Dr David ** who treats pts with my symptoms but willingly denies claims for extra money. Richard ** and Katie ** said I'm able to work even though they've never treated a patient in their lives. They collect premiums and deny claims. The CEO Greg Ness makes millions off premiums and gets to close claims. I have to go to court now to collect disability I paid for. RUN FAR AWAY!!!!
The Standard Insurance Company is the WORST insurance company I have ever dealt with. That is saying a lot, since I dislike and distrust insurance companies anyway. A simple short term disability claim, for ONE week of time off work, that qualified me for ONE weeks compensation, took NINE weeks for them to get it right and pay the benefits.
First they paid me for time I did not ask for. They kept sending checks even AFTER I called them and informed them of THEIR error. They even sent me another persons claim forms and denial letter! Then, when it was time for them to pay me for time I was entitled to, they did not have me in their system anymore. All paperwork and doctors notes had to be sent again, not once, but two more times. My HR department worked on my behalf as much as they could, but finally concluded as I did. The people at The Standard Insurance Company do not have clue what they are doing. Stay away from this group of idiots. This company should be out of business!!
This company is awful. I have had to call every week regarding something that was either incorrect, not completed or overlooked. None of the reps speak very good English which it makes it hard to understand them and they have an even harder time understanding me. I often have to repeat & re-explain things. I had to call them to re-certify my leave of absence. I had 3 checks that were sent to the wrong address even after correcting my address although all other correspondences sent from them had the correct address. I was told that someone would call me back after my disability claim was not updated after the physician's statement was submitted over 2 weeks prior and nobody ever called.
I had to them call back myself & demand to talk to someone regarding my issue because the rep was trying to pass off my issue. I am still waiting on 3 weekly checks, the first sent out on Nov. 7 and it is now 11/22. Had to call them again to re-issue my checks which will take even longer. I had surgery on 10/9 and I have experienced more issues with them than from my surgery. They have been more of a pain than the pain I have experienced post-op! They are the absolutely worst.
Definitely not intended for the customer. Forcing the customer to suffer through additional stress - not even necessary. If a licensed doctor/physician provides even "basic" information - it is questioned. Why even bother. Hope I never have to go through this experience again especially with this company. All about "big business".
Bryan ** does not do his job. I had to keep calling to get my check sent out and all he did was laugh like it’s a joke. Worst company ever. Then to top it off I ask to speak to his supervisor which he claim is Carrie that never got on the phone. I will most definitely be canceling this service through my job. Not even worth the headache.
The Standard Insurance Company is beyond fraudulent. I signed up for the STD plan because it was the only option that my employer offered (which should say enough about my employer, as well). After paying into the program for years, I seriously injured my back and was unable to return to work. I was able to draw 3/4 of my pay for 4 weeks only to have The Standard close my case, with no notification, no further contact and having nothing medically, stating that my condition has changed, nor improved. Therefore; violating their agreement to pay 3/4 of my pay for a total of 6 months.
I have multiple medical professionals willing to submit documents proving that I no longer have the ability to work, none the less, after closing my claim, without contacting me, The Standard has subcontracted the review of my claim to a 3rd party. It's extremely unfortunate that there are no government agencies that have the motivation or means to hold companies like this accountable. And good luck going after a company this big on your own, just read the reviews and feedback concerning The Standard! So far 87 of 88 reviews are 1 star! And if you read the reviews, that's only that high, because less than 1 star isn't an option. The Standard and everyone involved can GFT!
After months of submitting my medical information, etc and hounding this company for a response I was denied coverage. Understand that through the CTA you can apply and not submit any medical history and be covered but only when you are first hired (which I wasn't informed of). CA educators are not covered under state disability which was also news to me as I have worked my entire career in the private sector. I am a very healthy young person with just hypothyroid which occasionally impacts my blood pressure. Both issues are documented as being minor and have never caused me to miss a day of work. Yet still could not qualify. Now that I am seeing the very very low reviews for this company I guess I should count my blessings that I am not going to waste my money with them. Look elsewhere, stay away!
The Standard Retirement 401(k) charges major fees for keeping a balance in the 401(k) on top of participant fees, and lot of other fees for distributions. They charge about $300 PER QUARTER for keeping a balance in their 401(k) after leaving an employer. The options in the plan for investment doesn't even earn that much to justify the costs. They are people's stealing 401(k) money through frivolous fees. I cannot believe the Dept of Labor is allowing this company to steal people's retirement money.
I chose the company because of its cost effectiveness, but now realize that sometimes you get what you pay for. I would like to change insurance companies, but it's tied into my home insurance and don't want to go through the trouble of switching now since I just purchased my home.
Went on sick leave supposed to have operation. Off work for a month and it's been over a month and I haven't got my money yet. I called them numerous times and they say is still in review and they don't even direct deposit. They send you a freaking check. How do they expect you to pay your house payment with no freaking money. I just should have had my company use my vacation. I already would if got two paychecks from them. I get paid every 2 weeks. Not every month and a half. They sent me two letters in the mail saying that it's in review. Not emails. I called them up and ask them what was going on and they said, "We don't know your start date or your ending date back to work." How can it be in review if you don't know my starter and end date. Then gave her doctor note by email my paperwork for my doctor and now they're saying that might not be good enough for them.
Be careful with this insurance company. I applied for short term disability when I had surgery for cancer. The company pays only 45.00 per day missed. NOT 60% of your weekly income. That came out to 91.00 for two days missed when my gross pay for the days I was out was 240.00 I wasn't told this during the six weeks it took to at least get a check. Shop around and read all the reviews carefully.
Like many other reviewers, I have paid for STD and LTD for years to the Standard. In March 2017, I nearly died from MRSA and was in hospital and rehab facilities for 7 weeks. In that time, I had surgery and nearly lost my foot and leg. My foot is still recovering as of August 2019 and I have permanent disability due to this health crisis. My doctors (the surgeon) and my internist have certified this. I also have kidney damage from the antibiotic therapies common to treatment of MRSA and my case was so serious that I was only recently discharged from Home Health Providers.
I refused to go on SSD and instead applied for disability via my State fund. Without too much detail, it took many months for the State to review my files and approve my disability. The Standard began pushing SSD early on and they have contractors who call and harass you about SSD. This really did not sit well with me. I did not begin receiving my state disability until February 2019, but reported it as a deductible, as per my understanding of my benefits. Should have been fine.
I have a retirement account via my employer - a school district - which I have contributed to for years. Earlier this year, I received an IRA payout which had to be rolled over into an existing IRA account I have. Well, The Standard, has calculated that I owe them $43,000 and some change related to this payout (again, an IRA). The check actually went to my banker for my IRA. Not a cash distribution.
I got a call from The Standard's debt collector attorney this past Thursday. I was in shock, as I had no idea that The Standard had turned over this bogus "overpayment" to a collector. I have never been in arrears in my life, so, imagine my shock. I am so tired of this company and did not wish to be harassed or have a lien put on house or other consequences, so I agreed to an e-check that day and have moved investment monies to cover my "liability."
The attorney told me that I was part of a majority of people who have "overpayments" and must pay back. An IRA is not an overpayment, or should not be. It is not a cash distribution, such as deductibles like SSD, other disability, social security, or other qualifying streams of income as deemed by The Standard. (They would not allow one of my smaller retirement funds to qualify if I began my cash distributions, although, Social Security had it on their radar and reminded me I had the funds. I was well aware of them.)
Through the 2.5 years of being on STD and LTD, I have filled out reams of paperwork, as have two doctors, hospitals and others who dealt with me in the hospital. Inches and inches of paperwork. Being extremely ill, I found this highly stressful. As well as, never knowing what The Standard was going to do to you. I have a finance background, but still felt as if The Standard had ever-changing rules. I have never gone through such a demeaning process, and it felt particularly demeaning when one is already struck down by a health crisis that leaves you disabled, worried, and paying medical bills despite medical insurance.
I would say "buyer beware." Perhaps, this is how all "private" disability insurance underwriters behave. If I had known this would have been my experience, I may have either hired an attorney to review critical junctures/reviews by The Standard or done more consumer research before buying premiums beginning 20 years ago.
My husband was diagnosed with stage 4 colon cancer 2014 metastasized to liver, lungs and bones and now in complete long term disability. Doctor has all the certification that he cannot go back to work and will not be able to work again but Standard keep sending him paperworks getting proof from a doctor that he is still sick and unable to work? Really? In short, he did received his LTD check and they told my husband to go Social Security to claim disability. SS process my husband claim like a lightning and since then receiving check. Here come Standard asking for half the money they paid because according to them SS was paying my husband at the same time they are paying him back too (half SS, half Standard). So whatever SS sent to us from initial start up of his disability up to the updated month that The Standard found out that husband is claiming SS, they want that money.
In short again, they ask my husband more or less $25,000.00 repay. That time we don't have any, we use all money for medicine and home mortgages and all... My husband end up taking some money from his 401K to pay Standard because they were threatening us and almost every week they will call us, and it really stresses us. Now that they get paid they keep quiet for a while. I said they keep quiet for a while because they found out that my son was getting paid by SS, and they want all those money paid to my son, every single penny out of it, paid to them. And now they are calling us again every week.
My poor husband went to SS to report what happen and even them cannot figure out why they need my son money. So now we do not know what to do. If we get a lawyer we don't even have enough to fund it. They are killing my husband with stress. So yeah they are all rude, they just want to get premium but when it time for you to collect it, they will not help and all they want is they want you dead so you don't get the money you deserve!!!
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