The most horrible disability insurance company ever
by Allison Miller on Feb 17, 2022
      1 out of 5 stars
      
      In the beginning, the case manager comes across pleasant and helpful, however, once you submit their complicated extended medical forms (which my doctor commented as he's never seen one so complicated), they turn passive-aggressive & unsupported.
Once they have these forms filled out even with the support of your medical doctors for your medical leave, they seem to minimize your claim & states that their medical expert has gone through & claps backs saying your claim is denied.
It's all a sham, just want you to go back to work even though with your doctor says you are not ready & using their bias so-called health experts who have nothing to do with your treatment that you do not meet the medical grounds for receiving any payouts.  Ridiculous & nothing but a waste of time & unnecessary stress.  At this point, one needs to clap back with a lawyer & miraculously, all of sudden the claim is reopened & accepted.
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I was on short-term and then long-term disability with SSQ. My doctor said she had never dealt with them before and hoped never to have again. I always sent in all requested documentation on time and then I would sit for months waiting for an answer. I had 3 different case managers who never documented anything so the new one never had a clue and would accuse me of lying and say that the previous person would never have said that. I hit the 2-year mark on long-term disability and they wanted more documents. All were sent in before the date I was told. And behold at the 2-year mark they say not only are they cutting me off but I should never have even been approved 2.5 years ago. Oh, and they want $15000 back. Excuse me? How on earth can I pay them when they cut my only source of income and I still can hardly function in day-to-day life. Now, nearly a year later I have gotten 2 requests for my doctor to fill out a medical form so my benefits can continue to be assessed?? What a joke of a company!