Guardian’s reputation with the public is slowly dwindling, and for good reason. The newest fiasco, is not having a process in place that provides IDI insureds with forms needed to file disability claims.
I had to personally get involved with giving “Notice of Claim” after two attempts of my client to do the same. For some reason, Guardian is making it very difficult for insureds to comply with “Notice of Claim” provisions in the policy. And, that’s not all.
A recent second client was also hassled about forms, and was given a number to call, which turned out to be some sort of marketing company trying to sell other insurance. At first, it appeared Guardian wanted to take a phone application, but subsequently sent multiple forms after all other marketing information failed.
In fact, this time around the claims rep said, “Are you sure he really wants to file a claim?” I’m thinking, “Of course, we wouldn’t be asking for forms if we didn’t want to file a claim.” It seems as though Guardian is confused – very confused.
In the last several years Guardian has not lived up to its previous fair reputation due to chaotic confusion within the claims process. It’s persona of operating in a fair and equitable manner also disappeared long before COVID. The company just seems to be disjointed, confused, and terribly disorganized.
Those who are filing new claims with Guardian should be persistent that only the forms are being requested. Guardian needs to get back on track and at least act like it knows what it’s doing.
