Bob T.

After receiving LTD for about a year, I just received a letter that they wanted almost all of the money they paid me returned. $*******. 00!

When I was injured at work, I received STD for about 6 months and when that ran out and I could no longer work at any light-duty posts at work, I was forced to choose between retiring early or being terminated and losing my health insurance benefits. I chose to retire early. I could still survive but it would be tight. I got a call from UHC Specialty Benefits who handled the STD claim. She was asking me about LTD and I told her that I just put in my retirement papers so, thinking that was going to be the end of our conversation, she went on to tell me that I could still collect my pension and receive LTD up to 100% of my Pre-Disability salary. I said, "Sign me up!".

Big mistake.

After a year I got a letter stating that they had made an error and my pension offset my LTD payments and they overpaid me over $27,000. That was roughly 80% of what they actually paid me. So now that I had already spent the money, I had to borrow from family and they have made my life very difficult. I have no legal recourse since I guess it is in the policy that they can do this.

They are the most dishonest, deceitful, incompetent boobs I have ever dealt with.