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Expect Denial

I initially went on LTD due to shoulder issues, but within about 10 months it was discovered that I had a rare tumor in the center of my brain. I had the tumor removed, but suffered a stroke after surgery. I was left with several impairments that nearly 5 years later prevent me from working more than 3 - 10 hours per week. On December 16, I had a call from Disability RMS who handles Voya Financial claims. I was told that my benefits were being terminated because their doctor (hired gun) claims that my impairments are due to depression/PTSD. Two neuro psychologists state my impairments are due to brain surgery and cerebral stoke. My MRIs show changes to my brain from pre-surgery to post-surgery and yet my benefits are now cut off. I don't understand how any company can get away with this. ERISA laws need to change and disability insurance companies need to be held accountable.
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ID
#1741653 Review #1741653 is a subjective opinion of poster.
Cons
  • Hired gun physicians
  • Interpret claims to their benefit
  • No compassion
Reason of review
Problems with payment
Loss
$260000
Preferred solution
Reinstate my benefits

Short Review on October 09, 2016

I feel like I am being accused of wrong doing .. I do not trust the doctors they have on staff - I was a claims adjuster so I know how the came is played.. but I will not give up .. between POTS, Seizures and Pasding out.. spells of no memory, dizziness, exhaustion .. low blood press and many others - I am so sure my boss would want me back or any other.. but the hassle is harassment!
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ID
#933931 Review #933931 is a subjective opinion of poster.
Location
Ottawa, Ontario

Never paid

I was hospitalized for a full week because of many issues I had that were causing me to be insanely ill. RMS told me that they were not going to pay me for the two weeks I missed because I had "previously seen a dr. about one of the issues I was having that could have a connection to why I became ill in the first place which makes it pre-existing." It took THREE MONTHS for them to tell me this, I could never get anyone on the phone and each employee told me something different, including my case was "Golden" and it would be complete that same week. AWFUL. Not to mention not a single thing about my condition was pre-existing or related to my hospital stay at all.
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ID
#806971 Review #806971 is a subjective opinion of poster.
Location
Peoria, Arizona
Reason of review
Problems with payment

DRMS is a joke

DRMS is a joke! I've been unable to work for 6 months now and even though they have paying me my monthly benefits, they make me keep submitting paperwork from my doctors visits instead of just paying me. This is ridiculous! I paid into this for a year when I was with my former employer and I don't care if the benefits I've received far outweigh the premium I've paid in, I paid for this and I deserve to get my checks without having to be harassed for proof that I'm still unable to do my job! I've called the BBB (who are obviously on DRMS's payroll) and they said I didn't have a case because DRMS was compliant with the contract signed by my former employer. This is total BS! I just want my money!
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ID
#768984 Review #768984 is a subjective opinion of poster.
Location
Littleton, Colorado
Reason of review
Problems with payment

Other Product Review

Disability RMS is a joke! Trying to get your money you worked for is like trying to take a lions kill. Wait on it. Horrible service!
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ID
#671145 Review #671145 is a subjective opinion of poster.
Location
Round Lake, Illinois
Reason of review
Poor customer service

L.t.d. is meant to be just that for the lenghth of the illness,especially a catastrphoic illness

disability rms claims it is only good for 24months,but my husband has a illness that will eventually kill him.they just notified me today that his final check will be 30 days from today.we were led to believe it would be for the length of his illness.that is long term disability is supposed to mean.not 24 months,or whatever time that they think is acceptable to them. my husband paid for those benefits for many years,and now when he desperately needs them,they are taking them away from him.what do we do now?we need your help as soon as possible
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ID
#664036 Review #664036 is a subjective opinion of poster.
Location
Saint Petersburg, Florida
Reason of review
Problems with payment

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Unscrupulous, Rude Thieves