Disability Insurance Company Reviews & Ratings

Read real client ratings and reviews of disability insurance companies. Share your experience to help keep disability insurance companies honest.

Showing 20 of 687 Reviews
Write a Review
New York Life

Terrible company

Reviewed by Addai on October 28th 2026   Verified Policyholder | February 2026 date of disability
Terrible terrible company, avoid them if you can. It’s been 3 months and I still haven’t been paid and getting through to the case manager is near impossible.
Sun Life

They will try to lowball you hoping by the time they decide to pay you ,you will be dead broke and desperate enough to take any crumbs that they throw your way

Reviewed by Pattie on September 27th 2026   Verified Policyholder | August 2026 date of disability
The claims "specialist" named Mike pretends he trying to help you but all he is really doing is trying to lowball you and acting like he's doing you a favor. We have been ...
Unum

Horrible company

Reviewed by Kristen on September 17th 2026   Verified Policyholder | June 2026 date of disability
UNUM acts like they are there for you and says they will help you navigate through everything. They delay and ask for more information over and over and they already have ...
Lincoln Financial

Considered disabled... then not?

Reviewed by Elizabeth on September 16th 2026   Verified Policyholder | February 2024 date of disability
I was on STD before it transferred to LTD with Lincoln. After spending 2 years jumping through all their hoops, having benefits suspended and reinstated, etc etc they are ...
Sedgwick

This company is killing people

Reviewed by Suzanne on September 12th 2026   Verified Policyholder | July 2026 date of disability
I have been in the healthcare field for 30 years, as a physical therapist, when I unexpectedly had a sudden medical event (a neurological one), which actually triggered my...
Unum

Not fair amount of money/very small amount of money claimed

Reviewed by Unknown on September 10th 2026   Verified Policyholder | April 2023 date of disability
Difficult to get your claim. Lots of denial back and forth. Confusing details about the process of claim. Not enough money claims. They give only 25 percent of what they a...
Mutual of Omaha

DENIED PRE-EXISTING

Reviewed by Blackmon on March 19th 2026   Verified Policyholder | February 2026 date of disability
I filed a claim with Mutual of Omaha because I had a hip replacement surgery. My family doctor referred me to an orthopedic surgeon. Mutual of Omaha denied my claim saying...
Hartford

Total INCOMPETENCE!!!

Reviewed by Bryan on January 23rd 2026   Verified Policyholder | December 2025 date of disability
They don't answer or return calls... lack of communication... unorganized... takes 3-4 weeks after approval to recieve a check... they mail checks on a friday... mailed me...
Sun Life

Worst company ever

Reviewed by Danyette on January 23rd 2026   Verified Policyholder | December 2025 date of disability
I hate them, nothing else to say.
Lincoln Financial

Not getting paid on time

Reviewed by Jim on January 7th 2026   Verified Policyholder | October 2025 date of disability
From the very start they have not tried to work with me at all. So I went out for a knee surgery and it took a month and a half to get my first check. When I had turned al...
Sedgwick

Deadlines for you while theirs are ignored

Reviewed by AT&T employee on December 16th 2025   Verified Policyholder | September 2024 date of disability
They're absolutely terrible! Here you are on disability and they delay the whole process. Hold you accountable for your company's deadlines, meanwhile they will take well ...
Sedgwick

Terrible Company

Reviewed by Tesha on December 16th 2025   Verified Policyholder | August 2025 date of disability
I’ve been dealing with Sedgwick since August 2025 for my mental health claim. They originally denied my claim even though the psychiatrist recommended that I not return ...
Sun Life

Extension

Reviewed by Tryan on December 16th 2025   Verified Policyholder | September 2025 date of disability
Originally they approved my disability but even though my drs note and follow up info said if be out til at least the 24th of November this adjuster stopped my payments on...
Lincoln Financial

These people must not be human, they have no regard for people

Reviewed by Ann on December 16th 2025   Verified Policyholder | September 2025 date of disability
LF has no sense of urgency for people without money to buy food, pay rent, etc. They take their sweet time and it's almost like they enjoy it. I have an appeal pending for...
Lincoln Financial

FMLA denial after doctor who specializes in my syndromes submitted proper medical records and forms

Reviewed by SC on December 16th 2025   Verified Policyholder | August 2025 date of disability
FMLA denial after Dr. who specializes in my syndromes submitted proper medical records and forms. I have Ehlers-Danlos Syndrome hEDS, hyperadrenergic POTS and a miriad of ...
Hartford

Frustrating

Reviewed by Annie on September 29th 2025   Verified Policyholder | September 2025 date of disability
I’ve dealt with the Hartford before for short term disability. I’m now dealing with them due to feign off work for surgery on foot. Nothing has changed with this compa...
Davies

Incompetent "Support"

Reviewed by Ron on September 29th 2025   Verified Policyholder | June 2025 date of disability
I normally don't like to write bad things about people or companies but I honestly cannot think anything positive about Davies Insurance. They are, however, very good with...
Lincoln Financial

Did Not Receive Payment

Reviewed by Monique on September 29th 2025   Verified Policyholder | July 2025 date of disability
I went on disability in July, we are now in September. I have been through 2 case managers. They never call you back, they are constantly asking for documents and when I s...
Broadspire

This Company Uses Bad Faith Practices

Reviewed by Helen on August 25th 2025   Verified Policyholder | December 2024 date of disability
I got hurt in December, the start of my Christmas UPS seasonal job. The manager did not comply with safety hazards and I got hurt. The manager wrote the injury report with...
Mutual of Omaha

90 days and still waiting

Reviewed by Cheryl on July 26th 2025   Verified Policyholder | July 2024 date of disability
I filed for benefits in July, 2024 with an effective date of 7/30 (after the 14 day wait) and today is October 18th and my claim is still pending. They either don't want t...