Business Profile

Life Insurance

Guardian Life Insurance Co. of America

Complaints

This profile includes complaints for Guardian Life Insurance Co. of America's headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

190 total complaints in the last 3 years.
56 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Initial Complaint
Date:07/09/2024
Type:Order Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
******************** is handling my *** claim for me. Im out of work suffering from several issues and ******************** use different tactics to discourage claims. My *** payments started 6/7 so the first month I received my payment 6/4. For July my date was moved until 7/17 to reflex my scheduled return to work date. They constantly push your payment date further back. Did the same thing with my *** claim as well. My case manager **************** and her supervisor ***************** is always non responsive. When you either put in a call back request or ask for your call to be escalated it take more than the 48 hours for someone to call me back. I have called ******************** since 7/5 and I still havent received a call back from my worker ****** or her supervisor *****. This company is beyond evil and heartless. My sickness cause me to not be able to work and since Ive been waiting for them to process my payments I have been taken to court by my landlord and had utilities cut off. I already write my checks for my bills because I was told on Friday that my payment will be released today 7/8. When I didnt see the payment this morning I called and was told that my payment wont be sent out until the 17th. This company is purposely taken weeks out of my check because when ever your pay date is you will receive another check 4 weeks later. My payments are supposed to be the first week of every month not the 17th. This added stress isnt good for my mental health and its really sad that a company can legally do this. I will be contacting a lawyer. Its not up to ******************** when I showed go back to work, its up to me and my doctor. ******************** purposely try to make it difficult to get paid to force us to go back to work. Dealing with this company has been a disaster, its no case monitoring by upper management because I have requested supervisors, *** requested another case manager, I have requested my calls be returned and its all being ignored. These prior reviews arent lying. This company is horrible.
Business Response
Date: 07/10/2024
Thank you for bringing this matter to our attention. Customer satisfaction is extremely important to us. We will provide a response directly to the complainant.

Sincerely,
The Guardian Life Insurance Company of America
Initial Complaint
Date:07/01/2024
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I have been paying for Short-Term Disability Insurance with Guardian Insurance Company. I was involved in a car accident. The other party was at fault. I am on FMLA. I filled for Short-Term disability. My attorney has explained, to Guardian, that the car insurance policy probably is only for $30,000.00. My medical expenses has exhausted that. Guardian will not pay my disability claim stating, it should be included it the amount billed to the car insurance company. Law suits can take years. I paid for Short-term insurance out of my pocket. It should cover me if I am disabled.
Business Response
Date: 07/01/2024
Thank you for bringing this matter to our attention. Customer satisfaction is extremely important to us. We will provide a response directly to the complainant.

Sincerely,
The Guardian Life Insurance Company of America
Initial Complaint
Date:06/28/2024
Type:Product Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
On Jan 29 2024 I had a dental exam check up and cleaning which was supposed to have been completely covered by any dentist I went to as it was preventive care. I confirmed with both my dentist and marketplace whom i purchased this insurance through ahead of time that it would be completely covered through Guardian insurance who I had paid for my insurance coverage. Then last week I got a notice from Guardian they werent paying it and I would owe my dentist $155. If they hadnt lied in my coverage I would have never bought insurance through them as the amount Ive paid them since ******* is more than the amount of the dental bill.
Business Response
Date: 07/01/2024
Thank you for bringing this matter to our attention. Customer satisfaction is extremely important to us. We will provide a response directly to the complainant.

Sincerely,
The Guardian Life Insurance Company of America
Customer Answer
Date: 07/15/2024
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

[Your Answer Here]
I called my ************** and they said they looked up my coverage and it showed up under your website using my insurance card everything I had done would be covered, and the problem lay with your insurance company not their office

In order for the BBB to appropriately process your response, you MUST answer the question above.

Sincerely,

*******************************

Customer Answer
Date: 07/29/2024
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

They did nothing to resolve anything. Not acceptable!

In order for the BBB to appropriately process your response, you MUST answer the question above.

Sincerely,

*******************************

Business Response
Date: 08/05/2024
Thank you for bringing this matter to our attention. Customer satisfaction is extremely important to us. We will provide a response directly to the complainant.

Sincerely,
The Guardian Life Insurance Company of America
Initial Complaint
Date:06/26/2024
Type:Sales and Advertising Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I have dental insurance through Guardian. This company is a total rip-off. They are not paying for claims that were submitted in ********* wife's name. Their website is not functional. My ******** chose our primary care dentists a while back. Their website does not list the correct primary care dentists that my ******** chose had previously chosen. Their ************* customer ********************** stinks. It's impossible to speak with a customer ********************** supervisor when you call Guardian. They claim that you'll get a call back from then. This is unacceptable!
Business Response
Date: 06/26/2024
Thank you for bringing this matter to our attention. Customer satisfaction is extremely important to us. We will provide a response directly to the complainant.

Sincerely,
The Guardian Life Insurance Company of America
Customer Answer
Date: 06/27/2024
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

I have 3 dental claims with Guardian Dental Insurance that are still not resolved. And I'm still not able to look at past claims on Guardian Dental's website. Whenever I try to search through my past claims, I get this message:
"Your document should be available shortly. We apologize for the inconvenience. Please try again in a few minutes."
A company's website that won't even let me search through past claims is unacceptable.
Guardian Dental still has *******'s primary care dentist listed incorrectly.
Therefore, my BBB complaint has not been resolved.

In order for the BBB to appropriately process your response, you MUST answer the question above.

Sincerely,

***************************

Business Response
Date: 08/05/2024
Thank you for bringing this matter to our attention. Customer satisfaction is extremely important to us. We will provide a response directly to the complainant.

Sincerely,
The Guardian Life Insurance Company of America
Customer Answer
Date: 08/08/2024
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

***************************
Initial Complaint
Date:06/21/2024
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
My wife *************************** and I are having a problem with Guardian Dental Insurance.First lets talk about my issue. I had my dentist and a Periodontist explain that I needed an extraction and an implant, I was pre approved by Guardian, then after the procedure they started coming up with reasons not to pay. What is interesting is that their internal doctor did not know I had been pre-approved. We received multiple notices saying the proceedure was not needed and they would not pay. After two months of phone calls I threated legal action for pre approving me and then denying payment. According to thier customer ******************** department they did not have the pre approval linked to my claim. Suddenly it was paid. Sound a little fishy? It was, just look at all the complaints on the Better Business Bureau:Guardian Life Insurance Co. of America | Complaints Better Business Bureau ************************************** profile insurance-companies I'm paying for dental insurance and am getting nothing for it ... Guardian is fraudulently collecting premiums from employers but not paying out claims So my wife ********, same dentists as myself, gets a crown due to a cracked tooth and once again, their internal doctor is denying it was needed. Our dentists have very good reputations. They conducted all the correct tests for Cracked Tooth Syndrome and said she needed the crown. Once again it was denied. We appealed and it was denied again. According to our dentist and our Perodontist they are playing games. We have all the pictures and descriptions of the tests that were completed for ******************************* Cracked Tooth Syndrome that we uploaded to you. The dentist and Perodistist are willing to act on our behalf.Please help my wife resolve this issue with her Crown. I really think Guardian needs to be investigated based on all the complaints. Thx ******************* ************
Business Response
Date: 06/21/2024
Thank you for bringing this matter to our attention. Customer satisfaction is extremely important to us. We will provide a response directly to the complainant.

Sincerely,
The Guardian Life Insurance Company of America
Initial Complaint
Date:06/13/2024
Type:Sales and Advertising Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I have dental insurance with the company I had work done with dentist last year and this year i put a claims for reimbursement for both years . the company is trying to exhaust me so they don"t pay me they have put both cases on pending with many questions that are on the claim papers. i gave them all the information lately they keep asking if the name of my Dentist is true then if the date of the claim is true every time a different verification that is ridicules.this company is trying not to pay the people who insure thru them I am owed two payment each of $5000 total of $10,000 i paid out of pocket $35000 plus
Business Response
Date: 06/13/2024
Thank you for bringing this matter to our attention. Customer satisfaction is extremely important to us. We will provide a response directly to the complainant.

Sincerely,
The Guardian Life Insurance Company of America
Customer Answer
Date: 06/14/2024
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:
an answer to say you would look into it is not a resolution
as usual the business is looking to get off the hook and not pay

In order for the BBB to appropriately process your response, you MUST answer the question above.

Sincerely,

**** ******

Business Response
Date: 06/28/2024
Thank you for bringing this matter to our attention. Customer satisfaction is extremely important to us. We will provide a response directly to the complainant.

Sincerely,
The Guardian Life Insurance Company of America
Initial Complaint
Date:06/12/2024
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Guardian was given proof of cobra benefits for March and April of 2024. They refused to pay even though the dentist has checked eligibility on the dates of service before providing services. The plan administrator even called guardian dental while we were also on the line to inform them that we were covered. We have proof of coverage and guardian refuses to provide a way to send them the proof. Its an endless circle. The supervisors never call us back and we cant get in touch with anyone other than a foreign call center who isnt allowed to do or say anything. The dentist also complained saying this is a common problem with guardian. Im guessing you have several complaints filed by others.
Business Response
Date: 06/13/2024
Thank you for bringing this matter to our attention. Customer satisfaction is extremely important to us. We will provide a response directly to the complainant.

Sincerely,
The Guardian Life Insurance Company of America
Initial Complaint
Date:06/04/2024
Type:Product Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I signed up for a 10 yr term plan with Guardian Life Insurance. I was told repeatedly that it would be $40/month. They keep charging me $472/month. They are legit robbing me. I have not authorized this amount and it's actually insane considering I'm 36 years old. I do not want to do business with such a shady company. I want my account to be terminated and I want to be refunded immediately.
Business Response
Date: 06/05/2024
Thank you for bringing this matter to our attention. Customer satisfaction is extremely important to us. We will provide a response directly to the complainant.

Sincerely,
The Guardian Life Insurance Company of America
Initial Complaint
Date:05/29/2024
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Guardian has provided terrible services and communication for months regarding disability claims. I have reached out to the company directly as well as filed multiple complaints with no follow through or clarity. If they refuse to pay then they should deny the claim not drag it out for months. It has cause significant financial strain with no concern.
Business Response
Date: 05/30/2024
Thank you for bringing this matter to our attention. Customer satisfaction is extremely important to us. We will provide a response directly to the complainant.

Sincerely,
The Guardian Life Insurance Company of America
Customer Answer
Date: 06/05/2024
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

I am still receiving the run around. Every two weeks I am being told they need more information from doctors I've never heard of or may have seen once 2 years ago which seems like a tactic just to drag out or deny my claim. It has been two months with no progress. This is ridiculous and every time I ask for an escalation nothing is accomplished. This is by far the worst experience of customer ********************** and assistance every attempted. I have worked as a therapist saving other for years and the second I need help they find any reason not too. There has been no real attempt to resolve this issue. I have not spoken to management or received any clear answers, as I requested. I have attached my conversation from just today with more stall tactics and no help.

In order for the BBB to appropriately process your response, you MUST answer the question above.

Sincerely,

***********************

Business Response
Date: 08/12/2024
Thank you for bringing this matter to our attention. Customer satisfaction is extremely important to us. We will provide a response directly to the complainant.

Sincerely,
The Guardian Life Insurance Company of America
Initial Complaint
Date:05/28/2024
Type:Product Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am writing to file a formal complaint against Guardian Dental Insurance regarding a misleading information issue that has caused me significant inconvenience and financial loss.On February 25, 2024, I purchased a dental insurance policy from Guardian Dental Insurance (Policy #: ********, Member ID#: ***********. I was explicitly informed by the Guardian representative that the policy would cover implant procedures, which was the primary reason for my enrollment.However, upon submitting a claim for the implant procedure, I was informed that the coverage only applies if the implants are placed at the same time as extractions. Since I did not have any teeth at the time of the implant procedure, my claim was denied. This specific condition was not communicated to me when I purchased the policy.Due to this condition, the dental insurance policy offers no applicable benefits to me, as I do not require other services such as cleanings. Consequently, I have paid $226.47 in premiums for three months ($75.49 per month) without receiving any benefits.Despite reaching out to Guardian Dental Insurance to explain the situation and request a refund of the premiums paid, I have not received a satisfactory resolution. Therefore, I am seeking assistance from the Better Business Bureau to address this issue.The resolution I am seeking is a full refund of the $226.47 paid in premiums ($75.49 each for March, April and May). I believe that Guardian Dental Insurance has engaged in misleading sales practices by not fully disclosing critical coverage conditions. This has resulted in a financial loss for me and a policy that provides no value.I kindly request that the BBB investigate this matter and assist me in obtaining the refund I am entitled to. I have attached copies of my policy, payment receipts, and any relevant correspondence with Guardian Dental Insurance representatives for your reference.
Business Response
Date: 05/29/2024
Thank you for bringing this matter to our attention. Customer satisfaction is extremely important to us. We will provide a response directly to the complainant.

Sincerely,
The Guardian Life Insurance Company of America

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