I obtained this insurance through my work on 3/19/16. I was diagnosed with the need for L4-L5, L5-S1 spinal fusion at the end of 2016 and had surgery on 1/31/17. Despite all the appropriate forms being completed by my physicians and HR department, this company has not paid me a dime citing the possibility of a pre-existing condition. All forms have been submitted and they continue to deny that fact. This company lies to get your money and lies so they do not have to pay you. They NEVER disclosed to me that any claim made within 12 months would be investigated. I searched and reread the papers I was given on 3/19/16. There is nothing about the first 12 months. I had to request a copy of my policy from the company. I did not receive it for several weeks. I asked during one of my many customer service calls, “Are you telling me if I pushed my surgery out another 6 weeks, no questions would be asked and I would receive my benefits?” The answer was “Yes”. If I didn’t have a husband and son who live with me to pay the mortgage, the house would be in forclosure and I would be alone and on the street all thanks to Colonial Life. BEWARE!!!! This company is in the business of taking and making money, and will go to any length to NOT pay benefits due.
Name: Colonial Life & Accident Insurance Company
Country: United States