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Guardian Life Disability Insurance Review
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Founded in New York in 1860, Guardian Life Insurance Company of America is one of the largest mutual insurers in the United States. The company and its subsidiaries sell insurance products and related services including whole, universal, and variable universal life insurance, individual disability, small business protection, supplemental individual disability income insurance, annuities, and investment products.
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Customer Comments & Reviews
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Well, here’s my experience with them I have disability insurance my doctor wrote me out for 12 weeks. Guardian only allowed me to have nine weeks of disability then they wanted more paperwork which I had filled out and medical record sent over at my cost of $30 . Physicians statement of disability wasn’t filled out,. but they had the records stating I’d be out 12 weeks and they continue to not pay me. Their customer service is horrible. A supervisor will not call you to try to rectify the situation. I even told them that the doctor filled out the paperwork for 12 weeks and Work will not let me come back until the doctor releases me fully meanwhile I have 100% of bills and zero money... Read More
DO NOT BUY A POLICY FROM THIS COMPANY. THEY WILL HARRASS YOU AND DEMAND MORE AND MORE DOCUMENTS FOR A PERMENANT INJURY. THEY WILL USE THEIR BIG ARM TO TRY AND BULLY THEIR WAY OUT OF PAYMENT.
From the start of my Short term disability coverage to their 2nd and final denial of my claim, I have dealt with inept, incompetent, inconsiderate, unapologetic imbeciles. They don't answer calls, they claim you can't speak with your claims manager and then they deny you. I was repeatedly made to jump through hoops gathering every possible speck of information over and over again from every MD, specialist, PT/OT therapists, surgeons, neurologists, Rheumatologist. They twist my Drs. words, my words and their own policies to fit the moment. The final straw was during COVID hiring a driver from Scranton to come pick me up an hour away where I live in Pleasant Mount to drive me 2 hours away... Read More
Guardian is truly a terrible company. There is a lack of communication about the status of benefit, when they have requested documentation from my physicians, and what documentation they have not received. The only way that I know there is a problem is when the benefit payment is not paid. On a monthly basis, they are trying to find a way to cancel benefits, and they often provide multiple reasons, which are absolutely untrue, which they know since they have reviewed my medical documentation so often. This is despite being approved for short and long term disability and conducting several additional reviews, all in the last year. All evidence to the contrary they attempted to blame... Read More
This company will do anything to deny paying out claims so that it is not even worth having them insure you. All you get is a false sense of being protecting when you will not likely succeed in getting them to honor your claim. In my case, and many others just like mine, the company will send you to a neuropsychologist or other such mental health mental professional on their payroll who is essentially paid to come up with some sort of diagnosable mental disorder so that they can invoke their mental health exclusionary criterion. Its all a game and it leaves policy holders without a dime.
Top Rated
Our Partner
- Quotes from the top disability carriers to ensure you find the best rates
- Helps thousands of consumers apply for disability insurance each year
- Rated Excellent on TrustPilot
- Benefit terms range from 3 months to age 67
- Choose your waiting period
- Multiple riders add flexibility to your policy