Donna's complaint:
December 29, 2013

Insurance Company: Reliance Insurance Company
Coverage Type: Disability Insurance

• PolicyHolder Service - Unfair Negotiation
• Claim Handling - Unsatisfactory Settlement/Offer
• Claim Handling - Denial of Claim

I was receiving long term disability insurance through the hospital I worked for 30 years. It was part of my benefit package, hospital paid for it. After 6 months my job was terminated, and I was receiving SS disability also. I decided since I was no longer an employee I was going to roll over my pension. I spoke with a person in Human Resources Dept, and she said that she would send me the papers to roll over my funds. I was never told by Human Resources that doing so would affect my disability insurance. As a matter of fact I NEVER received any kind of policy from the hospital, or Reliance Standard Insurance company giving me any kind of guidelines. After 2 months I was told by Reliance Standard that I had been overpaid, and owed them over $800.00. They said the hospital told them I had moved my pension. They said that I was only entitled to the minimum amt of long term disability $100 month. I had been receiving $762. This has put an incredible financial strain on me. I can no longer meet my bills because of this. I filed for an appeal, and was told too bad. Reliance Standard said that they considered my rolling over the funds, the same as getting over $4,000 month.??? The Human Resource person told me it wasn't her responsibility to inform me about what withdrawing my pension would do to my disability benefits. I'd like to know what Human Resource Depts are supposed to do then, if not help employees. I do know that I am not the only person that Munster Community Hospital screwed this way.

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