The Standard Insurance Company Reviews

Useless. Worthless. Paperwork. More paperwork. Didn't you get our letter we sent weeks ago? Crooked thieves. Run, run, run away. I do HR. It's a shitty cheap benefit that doesn't pay. BEWARE! Don't sign up.

The standard has very poor customer service, they need some additional information from my doctor office to complete my short-term disability claim but they claim to have contacted the office 3 times and their policy is that they allow and now it’s my problem to get the information they want.

This is the worst company to deal with my Short term disability claim. They have had me waiting to get the disability checks for almost a month now so not only am I trying to recover from the emergency surgery I had to have but also stressing about paying my bills. I have had to take out loans to get things done and this SHOULD NOT HAVE TO HAPPEN!!! Also I can't believe they have to mail out checks and cannot do a direct deposit. I pray that NO ONE that works with me has to go through this. I don't understand how a company like this can still be around after such horrible service they provide for their customers!

During a hardship, was told on the phone my disbursement was 5900$, was not told that my loan of 4000 would be deducted and federal taxes of 1090$ would be taken, making the disbursement zero dollars. I feel they did this financially in their favor disregarding the hardship, no way would someone request zero dollars in hardship after quoted 5900. I had vested, rolled over, I do feel ripped off by this company because had I been told correct info over the phone, the 5900 could have stayed in and grown as I was current on my monthly loan payments. I find them to be unethical, so beware and don’t take them at their word, they have no problem taking your entire vested retirement amount and I was told in fact, it is what it is when asked if could be reversed.

The most awful customer service. I have never written a bad review for anybody but I am so fed up at this point. I have called multiple times trying to roll over my funds into my main 401K. They never have answers and it's a back and forth game. The company I use to work for chose this company and I have no idea why because they are the WORST. I just lost hundreds of dollars because they aren't willing to help me roll over my funds. Not only is this the worst company and worst customer service but they are hard to get ahold of.

This is the absolute worst company in the entire universe. It took months to approve my STD claim. You can totally forget about having your LTD claim paid as you will get the runaround and no communication outside of a letter saying your claim is being processed when you call the company. You will never be able to reach the claims adjustor or the supervisor, only some pleasant reps who will take your message. They tell you your claim will be process in 10 days, well my LTD claim hasn't gotten paid and I am 8 months and counting. They lied for months about sending med rec request to my PCP, my PCP decided to give me the med recs to send of which I did THREE times only for them to sit the and my claim not get paid. This company is a fraud. This is very stressful to people who are already ill.

I can't believe the pros to this company say quick payment of claims because that is a bold faced lie! I have been trying to get my short term disability claim processed since September 2024 and were now almost to March 2025. The adjuster insisted she needed records dating months back and said they were waiting on them but my doctors records team kept saying they didn't get a request. I sent them the documents myself and they said it was approved then called back same day with more questions looking for another way to deny the claim. Here we are 3-4 weeks later and she wants more documentation again.

Got my name wrong so I couldn't transfer to new account until I sent documentation to fix it. I sent documentation to fix it and they then proceed to spell my name the same wrong way as before. When it finally got fixed, now on my tax document it is spelled wrong and they have the wrong address. Incredibly incompetent, I wouldn't trust them with money, or anything in the future and would advise everyone against it too.

An employee of my organization has been on Short Term Disability since 12/2/2024. A claim was initiated with the Standard on 12/4/2024. Two weeks following the required seven-day waiting period, my employee was expecting a STD benefit payment, none arrived. My organization paid the employee during this period since he hadn’t received any payment. Contact was initiated with The Standard by myself, the employee and the employee’s spouse multiple times over the month of January. Taking the holidays into account, we were patient. Contact was made with The Standard nearly on a daily basis the past two weeks, on days that The Standard wasn’t contacted it was because we were promised action the following days.

Horrible. Tons of paperwork. They cut me off the day of my procedure. Constantly wanted more paperwork of the same kind my Dr filled out the first time. You pay premiums for protection and now I don't have money for food or my medication or my co payment for my follow up. Work won't let me back til my follow up. So why I was cut off? For profit I assume. When I go back to work I'll drop them fast and go with Allstate. Too many loopholes and paperwork and think they know more than your Dr. Even my Dr was appalled because I got cut off on my procedure day and said you have 4 weeks yet and need a follow up. Now on to complain to the better business bureau. Shameful

I can't even tell you how bad this company. The company sent two checks we only received one at the time. I did a deposit with it and paid all my bills. 3 days later they put a stop payment on it and totally wiped us out. My bank was kind enough to cover all the checks that I wrote for the mortgage company and car payments. And everything else. But basically they had to use all of our savings and anything else that we had in our accounts to pay for that. 18 months later, I am still 3 months behind on my mortgage. And when I called them to ask them why this happened, they asked me "Well didn't you get the letter saying that we were putting a stop payment on it?" I said back to them, "If I received a letter like that do you think I would have deposited it." If I could sue them for all this anguish and all this is done in the relationship in this household I would not heartbeat. We are broke from them and life has been terrible. Shame on all of them. If you can avoid using this company. Run. They don't deserve even one star.

MAN, this place is just god-awful. They messed up my long-term disability insurance a month ago. I have been on the phone with them almost every day since yet still, no one seems to know anything about my account. I ask the same question to 3 different people and got 3 different answers. I have been without my payments for a month now. No one can tell me what happened. They promise me a call back literally a dozen times and not a single return phone call. I have had to get the Oregon State Insurance Commissioner involved, and I still do not have my $$$. Now with 40 cents in my account for over a month and no one at this company seems to care. One of the worst experiences of my life. HORRIBLE.

They held my 401K funds that I requested to roll-over to another account due to employment termination and hiring with another company, stating that they cannot roll-over the remaining balance I have and the account will be locked for a year from roll-over. Calling them connects you to a call center and they use the speaker so you cannot hear the representatives. They didn't know the connection was live and thought I was on hold while they were laughing and chatting with other representatives. Meanwhile, I'm not an attorney, but for a company to lock an account from rolling into another investment account seems legally questionable and unethical?

Please save your money and never use Standard insurance. One of the worst insurance I ever had for the past 30 years. 100 percent useless compare to any other insurance. If your car is not starting they don't even jump start. :(

My employer went with The Standard as an additional long term disability company. I originally applied in August and in November they said they finally received all my medical documents and would make a decision. It has been 4 additional weeks and I have heard absolutely NOTHING! This is my only source of income and I have not received a dime. My adjuster Debra has answered the phone here and there and has called back 96 hours after my messages with no answers. My employer makes their premium payments on time but they do not pay claims.

Just awful all around. It appears to me their systems are so poor and outdated that details get dropped, claims are unreceived, and coverage can even lapse. Their website is bare bones and barely functions - eg, resetting my password required a call to customer support. In other words, the portal is useless in managing your insurance. To be fair, the customer support folks tried to help where they could but this is a company that does as little as possible for the user experience.

I opened 2 indexed annuities on a 5 year contract with the Standard in 2019, they were quick to do a roll over from another company that I was leaving, boy was that a mistake. Be sure you read the fine print and understand before you sign anything. They advertised a 5% top based on anniversary date of account opening based on what the S & P 500 closing rate on anniversary. 1st year I got 5% on both, 2nd year they dropped rate to 4.5%, saying the 5% was a teaser rate. On 2nd anniversary I got the 4.5%. So for the 3rd year they dropped it again to 4% even though the stock market was still going up. Then on 3rd year I got the 4% on anniversary. But what did they do. They dropped the rate to 3.5%, so on the next anniversary the S&P 500 was lower than the year before so I got 0%, Think about it, I had $150,000 set there all year, didn't earn a penny..

The Standard 401K is very unprofessional and do not value their customers and how the customers' money supports their business structure. One July, 2024 we requested a loan of our 401K money and we was advised it was approved and processed. On Thursday, August 15, 2024, we reached out to notify them that the check had not been received and was asked to allow a few more days. We called again on Monday, August 19, 2024 and was told by an agent that he would stop payment on the check that was sent and he would send us an email stating that another check had been sent overnight.

I’m extremely disappointed that company switched to The Standard. I didn’t know they offshored their customer service to India and that’s a huge issue for me. The customer service reps are incompetent and barely speak English. They can’t actually help you with anything. They lie to you with ease. I needed to change my 401k loan ACH bank form because my bank account was closing. I emailed The Standard on 07/21/2024 an signed and dated form. I got email back verifying that they received an email from me too. A few days later I faxed the same form to them on 07/24/2024 and again received a verification that the fax went through. I then took the same form and mailed it with USPS to The Standard in Oregon. So they got the same signed and dated form from me 3 times. They still managed to charge my old bank account for some reason.

My husband had a stroke, with a level 5 while in the hospital. Made a claim with the Standard, sent 8 fax over 3 months and they said they didn’t receive it, so I decided to send a letter that required a signature, then they said they received it. Now they did want updated information because it’s been so long

ABSOLUTELY THE WORST INSURANCE EVER!!!! It has taken me 6 weeks and counting to get a simple reimbursement for an eye exam. I have had to email them new paperwork on a weekly basis. Each time I get an email back stating I need to send another form, or they need more information, or I need to call the dr and get their TIN. And most of this had to be emailed more than once. Each time I was told the info I sent was not correct, and I needed to send something else. The first time I was told the incorrect email address so that first week of effort was a total bust. 6 weeks!!!! Thank goodness my company changed to a new dental/vision carrier.

I have been dealing with this company since July of last year. My claim officer, David **, has never answered his phone. Recently my benefit was $400 short. I emailed him, no response. Called, no response. Called the general line and was told my claim was closed on July 12th for "insufficient information", yet on June 21st an email from David (after sending an email to check on status) said they had everything, my info was into medical review, and would keep me updated. Nothing has changed since I was first approved, so medical review would have been no issue.... YET HE CLOSED IT!!!! THIS IS ALL THE MONEY I HAVE TO LIVE ON AS WE FIGURE OUT WHAT IS WRONG!!!! They don't care about you. Trying to get ahold of a manager or anyone is IMPOSSIBLE. I am still on the phone trying and trying.

My husband's trying to transfer his 401K out from the Standard to Charles Schwab since June 26th, 2024 until now, still unable to do that. The standard gave him so many excuses, there is third party, won't release the fund out. There is no third party. The standard being hold on his 401K over month. Don't do business with this company. They will take your money with no mercy. You won't see your money. Be aware this company.

Like others, I had highly unpleasant experience with the Standard. My company has a vision plan with them. They cut refunds down by 75% of what I paid to provider, send no explanations why the payment was reduced, and are rude on the phone when asked for explanations.

Does not feel like they care about customers and only about companies! They do not stay on top of their cases, response time takes months between just an email response. Very poor communication and customer rapport.

Our company in their illustrious wisdom switch to "The Standard". First deposit went according to their letter. The second deposit went to someone else WRONG ACCOUNT. No money for me! I will get my money after they figure out where the money went! 1 week, 2 weeks, 3 months they don't know. In the meantime no money into account! That's what ya get when companies off shore their support and business payments.

My employer deposited funds on my behalf, without my knowledge, in a 401K administered by The Standard. Every customer service agent I spoke with was challenged by the English language, could only read from the script, and had no knowledge of how things operate. They did not understand any of my questions, and were extremely unhelpful. I finally figured out how to request a withdrawal and account closure via their extremely unintuitive website, and made the request. It took 2 weeks to process and get approval. After the 2 weeks for approval to withdraw the funds that should not have been deposited in the first place, I was told it would take 5 to 7 business days for a check to be issued. 8 business days later, I received a phone call telling me that the check had been issued, and should arrive via mail in the next 5 to 10 calendar days.

I got short term and long term disability insurance through this company while I was employed at my last job. I came to a conclusion that it was time to file a disability claim based ongoing chronic illnesses I was having. The rep who who had my short term disability claim never dealt with me directly. She never answered my emails or calls for questions or to get an update. Not one time. Main phone number gives you reps who are nice but can only give standard info on policies or verify whether or not paperwork was received. I did get short term disability though probably about as quick as I was eligible with all the rules.

If it was possible to give no stars, I would. This is the absolute worse insurance I have had through a company. 2 months and still have not received short term disability benefits or accidental insurance benefits. They claim they having issues with people uploading medical and not receiving them and ask for you to mail them in. When you do that, they claim they never received them. If your company has this fraud of a company for insurance, don't bother. They will try everything to get out of paying what you paid for.

This review applies to The Standard Insurance Company's 401k administration. I have been deeply disappointed with The Standard Insurance Company's 401k administration. At the beginning of 2024, my company switched 401k plans to The Standard Insurance Company. Immediately, I noticed that there is more than a week's lag from when my paycheck is received and when my 401k contribution is credited to my account. No one at The Standard Insurance Company can tell me where my contribution money is at or what it is doing during that time. I am in the process of rolling over my prior employer's 401k into my current 401k administered by The Standard Insurance Company. This process has taken 14 days, and their insufficient customer support leaves me concerned about my money. If you are a company looking at The Standard Insurance Company to adminster your 401k, reconsider for the sake of your employees. The delays in having contributions credited, and their inefficient 401k rollover processing could be problematic.

They charge you premiums, limit coverage to about $1000 a year and look for every excuse not to pay for services. The customer service rep told me they have dentists on payroll to look over claims and dispute providers so they can deny payment. The only thing they do is to pay for dental cleaning and give you a discount if you use in network provider. I’m disappointed my employer doesn’t want to invest into a better dental insurance. I’m sure it has to do with the cost. Poor customer service too.

Terrible company. Still waiting on the money they owe me 3 months after my procedure. I have called several times and received non-stop excuses. It is to the point that our insurance broker is involved and I have submitted a complaint to the insurance commissioner. Avoid at all costs.

This is by far the worst company I've ever dealt with. I've had a disability insurance policy with them for several years. I have been extremely sick for the past several months and they keep dragging out my claim, trying to find every possible reason to deny your claim and giving you all this extra paperwork to do and requesting additional information from years ago. Really disgusting that something you pay into for years and the one time period you actually need to use it, they do this to you and treat you like a criminal after taking your money for years and putting you through all this while you are sick!

The award for worst customer service should go to the standard. Withdraw from 401k shouldn't be this hard. 3 weeks no banks will Cash the check. And 40+ calls a new check is on its way. Horrible service.

I hurt my back over 2 months ago and had to go out on FMLA drom my job. I submitted my claim under Accident/injury insurance hoping I would at least get reimbursed for some of my medical expenses for x-rays, mris, co-pays and therapy sessions. After 2 months of getting the runaround and sending them all of my medical info, which I had to pay for, to have sent to them, they denied my claim. What is the point in paying on insurance? In times when you have no income due to an injury they deny it? I can't believe I had to pay to have medical records sent to them, that they requested and they didn't even reimburse me for that. Terrible customer service and I feel like my money is taken every 2 weeks but they don't want to pay you when you need it most

I can't believe that a company this mired in early 2000s Tech is still in business. I pity their poor employees who must get incredibly frustrated by the lack of ANY kind of infrastructure or support from their company. The Customer Service agents I've spoken to are nice, but not empowered and often not able to answer what I would consider very "standard" questions.

Worst company I have ever dealt with. One frustration after another. Too bad zero stars is not an option. They deny with no explanation. THey place the burden on me, THE CUSTOMER, to investigate their denial. My claim was wrongly denied over 3 weeks ago - still no correspondence as to why. Do not give this company one cent of your hard earned money. They are terrible in all areas!!

This company is horrible. They make you wait so long to get paid out. They frustrate you. They're incompetent. I've been off work 2 months and haven't received anything. Paperwork was filled out correctly and in on time. I still haven't gotten a payment and I'm back at work now. I've told my company how I was treated. Hopefully they will get another company other than the standard to handle their Insurance needs cause this company is horrible.

This company is horrible. My husband had a stroke and I have been calling 3-4 times a week trying to get paperwork from my dr to them which they never receive. It has been almost 8 weeks - for which we have not received any payment. We mailed the form to them and was told they can't accept mailed in documents. They must be faxed. I have asked for weeks for an email and was told "no that is not secure and they don't accept documents that way". After losing my patience on them, the lady gives me an email address. This company tries to get you so frustrated that you give up and never collect the money that is due you. All staff were the same too - it seems they are trained to be horrible and not have any empathy.

First off, they have the worst customer service you have ever had to deal with. There is no concern for your needs and everyone blames someone else. I was told that I must have "misunderstood". We were sold drug coverage that they absolutely did not provide. I have tried to contact the person who sold the policy and I was told that she is only a salesperson and that's out of her hands. I have thousands of dollars in bills and a lot of excuses that we are now stuck with after paying their premiums. DO NOT WASTE YOUR TIME AND MONEY WITH THIS COMPANY!!

I am currently in an appeal process for my long term disability claim with them which got denied. I have injuries to my neck and back which I sustained at my place of employment. They keep saying I had pre existing conditions. My Dr.'s notes say otherwise but they seem to be ignoring all that and are making me feel like a criminal. I’m currently looking into preparing to find an attorney as I am going to sue them should I not win my appeal. When they denied me I became suicidal and am currently in therapy for depression caused by stress and anxiety caused by them.

They do not call you back and request the same paperwork over and over that I have already requested. I see the other complaints and the exact same thing as I'm dealing with. I'm very sick and they awful.

I have had short term disability since 10 1 2021. Pay in full. Current, Standard said I do not have insurance with them. They have been string me along for two months. Why I have been making payments with no income. Do not use this company.

They will short you the money coming to you. They will not send you the forms you need. When you call them they tell you someone will call you back within 24hrs. No one calls. They get zero. This is the second time, in 2 years same thing exactly.

I was laid off from my job. I requested a disbursement of $6500.00 in savings. The Standard sent me looking for my funds at Fidelity and then at ADP. They claim my funds are transferred to another company and it may take months. Customer service and the manager were totally clueless and could care less about the client. Would never recommend this company, even to my enemies. I cannot get my contributions, unreal!

Updated on 10/25/2023: This company is funny as hell, today I received paperwork again, but they changed it up this time, I just sent paperwork not even a month has passed. What meds I'm prescribed, when was it prescribed, obtain release of information, which I send every other letter, they must be thrown away when you send it, this company is chaotic, a burden and not worth the aggravation. If you select them, I pity what you will go through. Please, please avoid the hassle and heartache.

This company will do anything to not pay claims. This is the second accident claim that I have made with them that has been denied. Their reviewers will find any reason - even if it a bogus one - to deny a claim. As a woman in my 60s, yes I have some arthritis in my knees...but there is no correlation between a fall off a scooter, arthritis and a torn meniscus in the knee. My doctor confirmed that and it is just common sense. A previous claim was denied on an ankle surgery since my ankle had been surgically repaired six years ago. A total waste of money. If I could cancel right now I would but I have to wait until my employer's open enrollment at the end of the year. If your employer offers this company, save your money and do not enroll.

My short and long term disability was canceled due to being hospitalized for one week in 2019. I had coverage but never used it. My sick leave covered my time out of work. Unfortunately, I was informed last year they canceled my insurance. I called to appeal the decision, and, the call went to someone whom I couldn’t understand with the thick accent. I applied again this year, and was asked to submit information. The information on the form that I provided was truthful. I had COVID in 2022. They added that as another reason to deny my request for disability insurance. I read the reviews below, and I’m lucky this company made the decision for me. I don’t recommend this company. Good luck to the unlucky person that has same experience as I did this year.

This disability Insurance is a total waste of money. I did get a small, very small amount of money every month. Not enough to buy groceries much less medication. Once I got approved for SS I had to pay back every penny and they are still harassing me. It looks like I will have to call my attorney.

Absolutely criminal-deceitful. No one on this planet except someone insane, comatose or on their deathbed could meet their definition of disabled. This insurance has been paid for out of hard-working money over 15 years in expectations that it would be available when needed. They evaluate you over a piece of paper - no real doctor is looking at you and they don't take into consideration the doctor(s) you have been to or medical records. It is truly a scam, don't waste your money, don't pay for it, you are better off seeking assistance somewhere else. They don't care, they don't fight for you and they will never compensate you a dime of the money you paid in. This process will ruin your professional career, finances and your relationships.

I went on leave from my teaching job due to anxiety issues. I had a stroke in 2019 and the job stressors created high anxiety for me and it affected me on my job, especially mentally. All paperwork and everything submitted to them in a timely manner. The lady/B. ** assigned to me was rude after I called every few days to check my claim status. After two months of them having everything they needed, she denied my claim and wouldn't return my calls or emails to explain why. A representative of Standard told me via phone it was denied because it wasn't job-related. I pay a lot of money monthly for this insurance that I could just keep in my pocket. I am highly upset and disappointed that a company would do this to people when we need it most. I wish I had seen all the bad reviews before giving them my money monthly! This company needs to shut down!

I am shocked that a company like this still exists, Management that hasn't updated contact information over 2 years, and email conversations with a adults with attitude problems that are unable to do simple math, downright ignored anything written in emails, then when I was instructed by my manager not to speak on the phone or waste any more of my time on emails to a certain person until it was resolved, the women called me repetitively - I had to leave my office for a period of time just to keep it from doing what my manager asked. I felt I was dealing with a child.

I went out on disability in December. I had surgery. It was complications from the surgery. After four weeks I was transferred to a different doctor which I had to do another surgery to repair things that was tore up in the first surgery. All information was sent to The Standard. They cut off my disability. It made me wait for review, won’t answer my calls, just tells me it’s in review that is paid in closed and it’s in review. Worst insurance company I’ve ever dealt with. Terrible people. I don’t give a crap about you but I sure like getting your money when you’re paying them. I give them a 0 star if I had that option.

I had to apply for disability due to maternity. I had complications in my last month of pregnancy so my baby was born early via C-section in January. I Sent them everything from the hospital and they took so long to process paperwork. I was paid out for 6 weeks but I had a C-section so in order for me to get 8 weeks I have to apply for an extension. I sent them paperwork from my Dr and it’s been well past 10 business days. My rent is due and light bill. It’s just heart breaking because I’m not getting paid from my job and I have 3 other kids to feed.

NO STAR RATING. Our Doctor's office and I faxed & mailed in claim forms, medical records, itemized statements several times. Would receive letters that were dated (ex.) 1.5.22, showing mailed out 1.15.22 stating they need the information we have already sent with a due date of needing the info or it is declined 1.17.22. I have faxed, mailed Hosp. Indemnity Claim so we can get paid for my husband's hospital stay several times. They still say they haven't received it. My husband went back to work 2 weeks early because they did not send his last check he was to receive from being off work due to surgery to remove cancer. THEY ARE HORRIBLE TO DEAL WITH. DO NOT TAKE THIS INSURANCE!! THEY ONLY CAUSE SUFFERING!!!

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 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.

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 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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

I was injured at work and was was taken off work. Had to open disability and from the start it’s been a headache. I think they make you feel worst. If I would of known how long they took to get you your money back when you needed it, I would of never paid into this insurance. Examiners are rude. They give you the run around. Very stressful.

The insurance I pay premiums for is a joke. It is more stressful to have a medical condition and surgery than it is to deal with The Standard. When I call, I get multiple answers to the same questions, my policy is like walking through a maze with hidden disclosures and definitions only the insurance company knows and are hesitant to provide. They make sure your experience is stressful and fraught with errors and miscommunication. This experience has been consistently like this for more than 5 years. DON'T USE THEM IF YOU CAN AVOID IT. ENCOURAGE YOUR EMPLOYER TO GET SOMEONE ELSE.

Simply put I was railroaded by this company. My claim was wrongfully closed because I was told I could work other jobs like dispatcher. Now I have rotator cuff tears one massive which resulted in an anchor being placed. I have carpal tunnel syndrome, a tear in my elbow, neck and back degenerative arthritis, and I suffer from extreme anxiety, panic attacks, and major depression all which was submitted to them but yet I was told I was found to be capable of working. They do whatever it takes to not have to pay you for long term, it's so sad how they treat you like you're not even human, and when you speak to the analyst you can hear in their voice that they can care less.

Profoundly deaf, visually impaired with corneal damage and illness, cognitive impairment depression and anxiety and getting tested for lupus this week isn’t enough for this company to honor their policy, basically you have to be dead, oh wait then they will not have to pay either! Do not bet on Ltd being there for you if you should suddenly need. If I hadn’t read others reviews and experienced the losing of information, even when the hospital verified to have sent all my records via CD to the company and Standard even called for a password to it they still claim they received nothing. Pray you do not get Analyst Tyrone **, Who lies misleads will not provide his managers number and ghosts the covered individual.

I was placed in no work for several weeks, (Surgery for Grade 6 Acromioclavicular Separation) I had been treated surgically because of the severe disruption of all the ligamentous support for the arm and shoulder. The joint for clavicle is the collarbone was cut out or removed. After healing the surgeon said I could only work 1/2 days because of the surgery and not wanting graft to tear or get infected. Standard decided for the doctor that I was already healed and closed my STD on Jan 15, 2019 without any warning or written letter. I have been sending in every two weeks the doctor's report. Standard asked for the complete surgery procedure and this was sent in by the doctor's office.

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.

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 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.

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.

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.

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.

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.

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.

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.

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 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.

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.

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.

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 have been disable since 5/16 and I applied for disability through The Standard. My employee has a group policy and I purchased additional coverage. Have been paying for 20 years or more... At first after a few minor setback with "I am waiting for info from your employer." for example GROUP POLICY NUMBER... Like they did not already have it. So I made a call and put them on a 3 way. Ok so I thought I can focus on getting better... No every time I looked up they needed more info. No one could give you any info, one representative told me perhaps I should not continue to go to the doctor due to my claim was not approved. THE BIGGEST NIGHTMARE IS LONG TERM DISABILITY.

Warning!! I listen to KLTY on my car radio, about 4 years ago I heard a commercial that advertised Standard Insurance agency... Have people on there testifying how much money they save on their auto and home insurance. So since the office was located near my home I took my current policy that I had with Farmers into the location and ask for a quote on the insurance that I currently had... And lo and behold they came back with a quote my auto and home that saved me several hundred dollars a year. Thought I was getting a good deal until I had to make a claim...

I don't understand why people worried about government spending. Don't put a lid on what some insurance companies are doing, like The Standard. Basically anyone seriously sick and in pain doesn't have time to peruse lawsuits. The Standard hires a company like Allsup to constantly nag its policy holder for information to get the policy holder transferred to Social Security Disability.

Had a couple of Issue and asked to have automatically withdrawal out of my account for payment. Was unaware I had no insurance until the bank notified me. Went back to make sure this time I had paperwork drawn up to have payment withdrawn out of my account again. 9 months went by I let my son borrow my car and he happened to get a ticket. The ticket he had got was for no insurance and I was unaware I had no insurance again.

In May of 2016 my doctor took me off work and I filed a claim for short term through my job. On June 20th 2016 I was approved for short term disability through the company that I had been paying through my job. I had constant stopping and delaying of payments due to needing records every month even though my doctor stated and I explained wouldn't even review me to be able to go back to work until Feb of 2017. Still they stopped and delayed my payments for weeks to request and receive the same records over and over again.

I have been paying on a $500.000.00 Accidental Death and Dismemberment Policy for MANY years. I fell and damaged my left eye and lost usable eyesight in that eye (20/600 range). Because I 'can see two fingers stuck in front of my face', my second claim was denied. They "lost" my first claim even though I have a return receipt proving they received it. This organization has proven to me that they are beyond unfair, unprofessional and unhelpful.

Due to the VOLUMES OF NEGATIVE REVIEWS, I'd like to just throw this out there for anyone who might be interested. I'd like to propose that a CLASS ACTION LAWSUIT be initiated on behalf of all of the dissatisfied claimants who have been bilked right out of their benefits which are rightfully owed them. If any attorney wants to take on this cause, thousands will be eternally grateful for your compassion and tenacity.

After I lost the benefits that came with my job, I looked to Standard Insurance for health coverage. While they were initially helpful, they kept bundling life insurance from a company called Phoenix with my policy despite my protests (I was already covered through State Farm). They signed me up for Phoenix anyway, and I had to contact Phoenix a few times to receive a refund. This situation marred what had been a fairly easy process of finding cheap health insurance.

I went out on disability and was told that I would get 60% of my pay but that it may be a little less because of my retirement. All the paperwork was filled out with the county that I worked for and submitted, everything was ok for a little while but then they came back and said that they did not know that I was receiving retirement. My retirement is only a little over $300.00 a month. Then they came back and said that I owe them all this back pay and that I will not receive a check until it is all paid back. I ask if I could pay payments on it but was told that I cannot. What am I supposed to pay my bills with and get my medications with? Why do we even pay for insurance when they are not here for us when we need them? This is so wrong and from what I am reading about these people, I seriously doubt that I owe them anything!

I retired several years ago and the company for which I had worked ran my pension through this group. Despite the fact that my pension payment is due to me on the 12th of each month, The Standard generally mails it on the 25th of the month. Now excuse me if I'm wrong, but if my insurance payment is but a few days late I'm hit with a late charge. Yet, The Standard mails my payment 13 days late each and every month without penalty. How is that? When I called them they informed me that all pension checks were done in a mass mailing on that date (the 25th). The second time I called about this they hung up on me. The Standard is definitely BELOW STANDARD in my mind!!

Definitely do not recommend. They do not offer any expertise, professionalism, assistance, guidance, or any help whatsoever if you file a claim. I have never had such horrible customer service, not to mention being lied to about the claim process. Yes, it is cheap. As they say, you get what you pay for. Thankful for the at-fault driver's insurance company. They have gone above and beyond. Even they can't believe the "service" from Standard. Standard insurance is way, way, way, below standard. Stay away from Standard!!

I was taken off work by my doctor for PTSD, major depression, anxiety and stress disorder. At first the standard approved the claim. When my off work was extended after losing my friends and coworkers in a terrorist attack, they said they needed more information and would contact my medical provider. They did not actually contact the doctor, as the doctor had no record of them doing so. When I called to find out what was going on, they said, oh, well we are faxing it now. Mind you this was 3 weeks they made me wait for "review." I had to coordinate the paperwork they needed for my claim. Over a month went by without a payment. around the end of December they finally paid a claim.

BBB, BANKING AND INS, THE ATTORNEY GENERAL.

The Company denies receiving info even when there is proof. The company will always override the doctors disability medical reasons. My Claim was dropped after a few weeks of pay with no notice as I wait for a much needed check. Managers and adjustors requesting add info but not willing to pay for them so they decide not to pay. My send what is needed but there is still no check.

First of all, when The Standard came to our company, we were told there would be no fees for our 401k. Then when the quarterly statement came out, we were charged $12.32. We were not allowed to take our funds out as long as we were a Wingspan employee. So, they continued to take the $12.32 out, which I was barely even making that much in my return on investment. Wingspan has since went bankrupt and on top of all the money, they have taken out of my account in fees that were never supposed to be charged. They charged $75 just to cut me a check for my money that I withdrew. I just withdrew money from my JPMorgan Chase retirement account (for the record, a lot more than I withdrew from the Standard) and they didn't charge me a penny. This company has been crooked from the start and I would not recommend them to anyone.

I had a long term disability claim with The Standard. From the onset of signing the contract it is drilled into the client that it is the client's responsibility to update the company if the claim turns into a social security disability or PERS retirement disability claim, and update any new medical information. Good luck with that. Every call I made was greeted with literally, "What are you calling me for?" My analyst didn't bother to update my file when I called. She wanted me off of the phone. Instead of waiting the 4 days needed to get medical information from my doctor before sending it off for physician review, she just sent the claim in without it and jeopardized my claim. When I called her on it she said, "So what, you can always appeal."

After my wife Denise passed The Standard Insurance Co. had me jumping through hoops sending them documents and releasing documents with the promise to pay off the policy. They even left me voice mails saying "Be patient." Well that was all a lie. These companies should be ashamed of themselves for jerking people around while knowing full well they have no intention of paying on the policy if they can get out of it. The companies that buy cut-rate life insurance policies for their employees should be ashamed as well. Shame on all of you for what you do to decent people.

I had a torn rotator cuff and post traumatic stress due to an injury at work. It took a long time to get a proper diagnosis and surgery. I asked for supplemental income during the time post surgery. The Standard kept putting off payment. The first reason for denial was... I could have returned to work the day after rotator cuff surgery (It was my right arm). The next appeal was... I wasn't working 15 hours a week. I was not employed; therefore didn't qualify for supplemental payment. (I worked for the same employer for 35 years and used up my sick leave waiting for surgery. I received a partial paycheck until I decided to retire.) During that time The Standard was being taken out of my paycheck. This company is horrible. They take your money and screw with you when you're at the most vulnerable.

I was looking for a new insurance company for my family. Been with my previous ins. co 5 yrs. And rates were going to increase. After calling around they gave me a quote. But wanted a huge deposit. I did, apparently they claim they don't check records?? Which is bull!! (I don't buy that!!) You don't do business that way! After I started the policy. The women was extremely weird, she tells me I have to sign a waiver for any and all people that visit my home, my boys girlfriends and my friends etc. WTH?? I'VE NEVER HAD ANY INSURANCE COMPANY ASK ME THAT!! Or they will drop my coverage. I thought that was weird. Long story short. They cancelled my policy, 3 weeks later and would not refund at least half my deposit. BUT NO!!! They had these fees!! Very shady!! SUPER SHADY!!! Very leery. If something seems too good to be true it is!!! I would never recommend anyone there!!!

I've paid into disability insurance for many years. I've never needed it, thankfully, until recently. I had a sudden health scare. I was running fevers, coughing up blood, severe fatigue, and scans found lesions all over my body. I missed so much work due to my tests, doctor's visits, fatigue and fevers. The short-term went through right away. When the insurance had to convert to long-term is when the problems began.

I would not recommend the Standard Ins. for any employer or individual because they bypass their policy provisions by conveniently using an internal decision making panel to deny covered claims. The policy that Standard Ins. Company has issued as provided by Bio-Rad Corporation for which I was employed, stated that it will supplement my income during my disability in such a manner that whatever percentage the state disability pays they will add to it so that I would receive a total 100% of my salary during my temporary disability period for up to six months. Standard Ins. accepted my disability status and supplemented my income for three months and after that they stopped payments without any notice. I provided letters from my doctors and I also provided them all the treatment records from the doctors' offices since my disability period started.

My father passed away in November 2014 and as of today, May.. we are still waiting for the insurance monies from Standard Life Insurance. My father had two cancer policies.. We had mailed all the information the insurance company asked for in two envelopes and had put the different policy numbers on the packet of information requested. They continue to get the two policies confused, saying they paid on both but actually only on one.. They sent the checks on my late father's name not the estate of and the banks won't cash them of course. We had to send the checks back to them along with a form the attorney had to fill out...

It would take pages and pages to describe the hell I went through. If you are offered LTD benefits paid by your University, decline, again Decline. Being I worked for a university hospital, I was shocked, to find out, this place which offers you this Bad Faith insurance company to its employees who are highly intelligent, have a LTD carrier with this Standard Insurance company and don't release that it will do everything under the sun to not pay a dime. I am currently looking for an attorney to deal with Bad faith LTD.

I don't know where to begin. While on fmla I ran out of leave. Reported to Standard about my leave. I received 1 check, told my case closed. I needed to get more, send in doctor info. Gone a month without any income. Losing my home, could not get to rehab appt. Lost some of my benefits. Couldn't pay them, begging for and borrowing money. Just a nightmare, as I lay here and vent, now I am in tears.

Signed a contract with Standard Insurance with full knowledge of my history, I disclosed all my information, my Social Security #, DOB, Address. Paid my initial payment fees of $296.00, only to find out that in less than 3 weeks, they canceled my insurance, and took all my money. I tried to get my money back, only to find a rude agent who did not care about clients and had a very bad attitude. Lost my down payment and lost my insurance, I call this a theft by check.

I am a school bus driver and started experiencing extreme lethargy, pain, and headaches. It finally became so consistent I had to stop working. I have been paying extra out of every check for 3 years just in case. After I got my Medical paperwork in, I was told I would receive a letter from Standard. Well I never received the letter. I called them to see what was going on and was told I was denied because I could still do my job. I then sent them a statement from my doctor stating it was unsafe for me to drive. They said that wasn't enough.

I was duped by the salesman into thinking this was health insurance. Not so, it's for accidents and sickness only. $300 a month for almost 2 years. I admit I'm naive. However, I was clearly taken advantage of. They shouldn't be allowed to practice this.

Oregon Educators Benefit Board (OEBB) members, look very, very carefully at the Standard Insurance contract before you pay premiums for long term disability insurance. You have a false sense of security with this company. Contract: You must be under the ongoing care of a physician in the appropriate specialty AS DETERMINED BY US during the benefit waiting period (usually 60 days). Except - no one will contact you during those 60 days to tell you who they consider "appropriate."

I had foot surgery Oct. 31, 2014 and my projected return to work date was Jan. 4, 2015. December of 2014, I started having problems with my big toe swelling and the doc sent me for an x-ray. My foot was not totally healed so the doc would not release me for work because of this and I couldn't drive because I was still wearing the boot after the surgery and it couldn't come off until the foot was healed completely. My next appointment was Jan 14, 2015. I informed the Standard and they sent out more paperwork which I took to my doctors as soon as I got it. I get a letter from the Standard that my claim was closed. I called them and they said my doctor didn't put a date on the form for my return to work. How could he put a date when he didn't know if my foot was going be healed at the next visit? I am now going for P.T. because the muscles in my foot are all messed up from wearing that boot for two and a half months.

After working ten years in a state job and paying premiums to The Standard for peace of mind, a safety net, a benefit just in case something was to go wrong. I have found out the hard way that has been the biggest joke of my life. The Standard Insurance Company is none of that. What they are is an unreal nightmare that continues happening. I did not have STD so I had to wait 180 days for my LTD benefits to start. Then twenty days before my first check I received a letter stating that they was reviewing my claim and it may delay my check up to 45 days. I called my "Benefits Specialist" to ask her what was going on. She could not give me a straight up answer. Anyway my check did come and then the letters started. Some of the letters made no sense and some required my signature. I called to tell them I was not signing the papers and they said it was in my former employees policy that I had to.

The definition of Bad Faith is intentional dishonest act by not fulfilling legal or contractual obligations, misleading another, entering into agreement without the intention or means to fulfill it, or violating basic standards of honesty in dealing with others. Bad Faith is the best way I know how to describe The Standard. My 35 years as a Software Engineer and having to think logically is what has helped me to document the bad faith acts The Standard has done to me over the months that I think a lawyer will take my case. Allowing a company to make promises and then not carry thru on their promises, the company should not be allowed to stay in business. Their dishonesty is not just to me but others as well. Looks like DISHONESTY is their company policy.

One would think that with a name The Standard they would be highly recommended... They are not! I have had an ongoing relationship with this company since 12/2010. I originally left my line of work as an RN to have a simple surgery that turned complex. I did struggle to retain my STD with Standard due to minor things such as paperwork not being filled out the way they wanted, the doctor didn't date it correctly, whatever. When it switched to LTD is when the real headaches started. My life was already turned upside down with this unexpected turn of events. I also have three young children and a household to TRY to maintain.

I was in a car accident and got a severe concussion that took me months to recover from. Applying for State disability required help from my HR office because I couldn't do it myself. State disability wasn't going to get to me in time for me to pay rent, so HR told me to call Standard Insurance to see if they could help. Standard said they could send me a check right away. I told them all I needed was enough money to pay my rent ($1500). They said the check may involve an overpayment, so I may have to pay some of it back. My rep told me she'd let me know if there was an overpayment as soon as I sent her the state disability determination, which I faxed to her within the week. In the meantime, she sent me several different checks even after she got the EDD info.

I ended up hiring an attorney and yes these type of lawyers are not cheap, but this type of fight you just can't do on your own. Well it has been a long year fighting The Standard and a very depressing year of physical and financial problems. I just received a call from my attorney and he said they received the answer to my appeal and the letter says I am approved. Since this has been a nightmare fighting them, I guess I won’t believe it until I see the money. I also have heard The Standard is great for approving you then paying a little while and then cutting you off. I am very young so I hope I am not in battles with them for years on end but advice I can give anyone is hire a lawyer who specializes in this area. Good luck everyone and wish me luck for the future.

For 25 yrs, I've worked as a Firefighter/Paramedic. During this time, I have unfortunately experienced a number of physical injuries (neck degeneration, shoulder range of motion limitations, back herniation, hip labrum tear with advanced arthritis, knee degeneration ankle sprains, muscle strains, sprains and tears, hernia, etc). Finally in 2010, a cervical fusion and dissection of C3-C5 was performed to stabilize my neck from a approximately 6 year injury and side effects from the surgery, as well as other physical limitations while attempting to rehabilitate ended my career.

Short/Longterm disability insurance - My story is complicated so I would like to advise anyone considering either of these coverages to think twice if it's with the Standard. I paid for both coverages for 22 years through my state job. I am totally and permanently disabled. During the process of my illness I expected to receive an income as I tried to prepare for this type unforeseen situation being single. What I want others to know is that I received approximately $6000 worth of short term benefits and they tried to stop that twice. I was denied any long term benefits even after an appeal.

My son became ill the first of November and was not able to work. He had enough sick time built up to pay him until the end of January. He then filed for his STD with The Standard. It took over a month to get his first check which was only for 3 days. The reason, they needed more information. The doctor had sent in the paperwork and said that he was unable to work for a minimum of 3 months. The Standard said they needed more information because they have to send it to a 3 party "Medical Staff" to review his medical records.

As a teacher, you do not get any benefits unless you purchase them yourself. The Standard sent its representatives to our school which made it sound safe to purchase this insurance to take care of your bills should the time come. I was injured when my husband came back from Iraq, I was up on a ladder and fell on my way down. I landed on concrete, the Standard, knowing that I was a teacher and would know that word would get out fast when I realized that I was never told, or shown, all the clauses they had on their list, was at first very complying.

It takes real gall to call yourself the Standard when you don't pay the people's claims. Sad thing is it's the injured and sick they are hurting. I'd looking in on how to pursue a class action lawsuit against this sorry company. I would appreciate any help or information in this endeavor. Maybe as group we can work together and get something done.

I purchased group LTD insurance from The Standard like a lot of people have through their employer's ERISA based LTD plan. I have a legitimate claim backed up by doctor's statements and years of ongoing medical evidence. My disability is also backed by numerous tests and MRIs. Unfortunately, the Standard denied my claim for LTD benefits. Do yourself a favor and purchase an individual LTD policy from another insurer and you should be fine. What I suspect the problem is with Group, ERISA based LTD plans is that the companies insuring the masses have learned to work the laws and administrative judge system to their advantage because you cannot sue for damages.

I was in a car accident in early February of 2013. The person in the other car was 16 years of age and hit me at over 40 mph when I was at a complete stop. About 3 to 4 weeks later lost my job because they said I was a liability. Went to the ER right after the accident due to what they told me as whiplash but the head pain never went away. As the months went on the head pain increased to more than I can bare and so did the neck pain, shoulder pain and upper back pain due to the accident. About 2-3 months later Doctors finally figured out that I have TMJ Due to the accident. Not just a simple TMJ of your jaw popping out centimeter I am talking about severe enough to cause me pain 24 hr a day 7 days a week. If I even miss a day of my meds I am at a pain of over a 10. The pills don't cure the pain it just masks it.

I have systemic lupus, I am disabled. I received my claim benefits after waiting about 8 months. Then, at the 2-year review, they cut me off with NO NOTICE because they wanted proof I cancelled my professional license. One thing had nothing to do with the other! But I cancelled my license because I thought I had to, then they still made me sign an affidavit that I was not working and finally reinstated my benefits. Their letters were ridiculously long and exceptionally poorly written. They put me in a very bad financial position. Then, my husband got injured and put in a claim. After about 8 months of wrangling, he got a partial payment. They used a skewed method to recalculate his wages, and stopped paying after his surgery, not when the doc released him. He went back and corrected them (he received multiple very long, very poorly written letters as well). Then they came back and said he did not work full time and never should have been paid in the first place and want the money back. HUH???

I have been fighting with The Standard since December of 2012. They sent me a LTD denial letter in June 2013. I cannot believe that they are forcing me to hire an attorney, who will get 40%, to get money rightfully due to me. I am disabled with bipolar II and believe me I do not want to be sick and am working very hard with my doctors to find the right combination of drugs. The Standard has done nothing for me but delay after delay and then a denial. The doctors have found me unfit for "my own occupation" (took a few Google searches for a proper definition. One that the Standard seems to understand as they have broadened that definition to fit their needs. I have been forced to take money from my 401k as well as used ALL my savings. I am hoping something happens so I do not lose my home.

I finally had to admit I was disabled and had to leave a job I loved. First, I filed STD with the Standard in March of 2013. It took them until May to deny me of STD. They say due to my records. I say due to my doctor placing permanently on their STD forms. I have filed for LTD now and feel like it is unfair paper chase and it is hard when you are ill, sore, tired and on narcotics every day to try to fight them when you feel overwhelmed with their paperwork. I think they are just doing this to pass time and deny me. I know I need to find an attorney quickly.

I have always purchased STD/LTD policy through an employer, and I did as well when I worked at SFC (Shoes for Crews, LLC). SFC offered STD/LTD policies post-tax, so deductions were taken from my paycheck. I have been always purchased these policies, as backup in case I was in the situation of not being able to work for an extended period of time. SFC offered a STD/LTD policy from The Standard (Portland, OR). The policy itself was very expensive - I should have seen this warning sign.

The matter of my prior complaint on your website regarding The Standard Insurance Company has been resolved. Please withdraw my public comments and contact at the email provided regarding the status of this request. I may also be reach at the provided phone number. Thank you.

I have excellent claim review records and I am currently completing an extensive binder of back-up documentation that clearly proves my allegations of The Standard's bad faith claim tactics to be true. I have far more than just a claim file. My claim review process and claim file has been investigated so well that an attorney has little left to do in "proving" my bad faith allegations against this insurance carrier. It is important to note that I was a private investigator for 7 years before coming down sick with fibromyalgia, and I also have over 25 years of administrative office experience that has enabled me to investigate and record the bad faith tactics throughout the months.

They denied my disability application. I have severe fibromyalgia, very painful and debilitating. In their denial, they used a description of fibromyalgia that was 15 years old (and not the accepted current definition). Their report was very hurtful, disdainful in tone. They called my teaching job "sedentary". They implied that I just didn't want to go to work (I love my job). They twisted the truth or ignored the facts completely.