From start to finish, the Cornerstone staff was extremely considerate of my need. They were helpful, knowledgeable and Johnny on the spot. I was a bit skeptical in the beginning on how the process would affect my livelihood. After talking and being comforted by the staff, I knew I made the right choice by choosing this great company. I dont think they will ever know how much I appriciate the hard work and effort they did in keeping my life in a comfortable financial status. To everyone there at Cornerstone, From the bottom of my heart, Thank You. To anyone looking for a great disability company, look no further.
— F. Davila, BLET

Ms. Felisha Jones did a great job in guiding me through the claim process, especially with regard to the large amount of documentation involved. She was always very professional and helpful, returning calls and emails promptly, as well as reaching out to see how I was doing during my time off work.

— J. Jenkins, BLET

Cornerstone has been a lifesaver & crucial during my career. It’s a piece of mind knowing I have income coming in while I’m dealing with being disabled. Without Cornerstone I would not be able to pay my bills. It’s money well spent for a peace of mind.
— T. Pepper, BLET

I highly recommend this insurance to everyone. It helped so much for expenses during a time of being off work. The agents at Cornerstone insurance are very pleasant, efficient and knowledgeable. Communication with agents were always good and I was always able to reach them. My experience with Cornerstone disability insurance was very good.
— C. Yates, BLET

When a person is medically unfit long term to perform service for their employer it is critically important to have a source of income to sustain themselves and their families. I am eternally thankful for Cornerstone and the assistance they provided.

— D. Bloomfield, BLET

Was a very seamless process. Better than I could have expected. Everyone I talked to was polite and helped me with anything they could.
— R. Williamson, IBEW

I cannot express how thankful I was to have Cornerstone, especially Lindsey Klein as my Claims Rep. Without this short term disability over this last year we would have been financially strapped. Being injured is stressful enough, but dealing with Insurance Companies isn’t always a very seamless or positive experience. Usually you are nothing but a number to them and there is very little interest in the client. Lindsey took special interest and concern for my wellbeing, she treated me with dignity and respect and she made the process and my payments stress free, she always had time to answer my questions and then followed up just to check on how I was doing. She also took point with my Doctors office to make sure that my paperwork was always in on time so there was no delay in my payments. She really deserves a big pay raise. I can not thank Cornerstone or Lindsey enough for everything.
— M. Jauch, BLET

I have used Cornerstone for disability claims quite a few times now. They make it so easy, explaining everything so I understood and an email to reference. I never have a problem reaching them, and I know that because of them, I don’t have to worry or stress about getting paid while I’m trying to recover from surgery.
— P. Skinner, BLET

Cornerstone took care of me very well. Helped my household running like nothing happened! Great company.
— S. Redmond, IBEW

Everything went perfect! Kevin Pfaller did an outstanding job looking after me and my needs. When I returned to work I was unaware that I was due to be paid an for additional number of days. Kevin caught this and made sure that I was paid. He did not close the case until he called me directly and made sure that I had received the check. He is a great asset to both Cornerstone and to the BLET union.
— B. Hamill, BLET

There may just be an off chance my Claim Representative was the champion of the Cornerstone Claims Department or maybe it’s incorporated within their corporate culture, but working with her over the lifecycle of my case was a phenomenal experience. She took the time to keep me informed at all times and ensure and inspire my valuation while I was at a low point in my life and feeling devalued. Most importantly, she blended individual advocacy with professional activity and made me feel like her and Cornerstone had my back.

— L. Bass, BLET

Cornerstone is an up-front insurance agent. No bull about claims and paid in a timely manner as long as you stay on top of paperwork between Doctors and Insurance Company. Very easy to work with and great communication. They make you feel comfortable that everything is being done to keep your money flowing and healthy enough to return to work. I am happy with service provided and definitely recommend them to anyone needing this coverage….
— R. Caraway, BLET

The help I needed in a tough time, everyone I talked to was more than happy to help.
— E. Dowden, BLET

I would recommend Cornerstone to anyone who’s seeking either short term or long term disability insurance. The staff is very knowledgeable and very courteous. They handled my claim promptly. Great Company!
— R. McKelphin, UTU

Anyone that doesn’t have disability insurance should truly get this now. It truly saved me in a bad situation with no pay coming in. The benefits that we receive from rail road retirement board is next to nothing. Please if you don’t have insurance do yourself a favor and invest in this now.
— J. Pickard, BLET

All I can say is that the Cornerstone staff went up and above to make sure my claim went through without any problems. That said I represent over 200 Brothers and Sisters in Los Angeles and had heard from my members how helpful and informing the staff at Cornerstone were during the claims process. It was all true, the checks were always on time, the customer service was amazing. I have supported them since it was available to our members but now I have first-hand experience! Thank You!
— K. Richards, BLET

I am very pleased and thankful for the service I was provided. Glad I have Cornerstone.
— T. Jones, BLET

We are so glad we made the decision to purchase STD insurance. We were actually contemplating what would happen if the primary earner was to be injured/sick and this policy gave us something LESS to have to worry about after a catastrophic injury.
— P. Sharp, BLET

Peter Allen was an all round great guy and very helpful with everything and always called every week or two to check up on me.
— T. Clayton, IBEW

The claims process was easy. I was handled professionally with the utmost care possible. I appreciate the fact that Kathy was knowledgeable and professional in our dealing. And fast! Boy, everything was prompt. 
— K. Brown, BNSF

Without Cornerstone we would be in a world of hurt, you all make it really easy to get the claims taken care of!!

— J. Peterson, BLET

Everything was done in an exceedingly prompt fashion. I was more than pleased with the whole process.

— M. Watters, BLET

These folks are top notch. I had zero problems from day one until I got back to work. They contacted me not only to get my money fast but also to follow up just in case. I can’t tell you how hard it is making ends meet after a injury because before I got Cornerstone all I had was the retirement board and it pays next to nothing. Do yourself a favor and get your own insurance because you never know what and when something can go wrong.
— A. Bryant, BNSF

Everyone hates to pay a monthly insurance premium until the moment that they need it. My personal financial situation never missed a step because of the security that my policy provides. The associates were great in handling my claim.
— W. Morton, BLET

These people are incredible! I would NEVER go without this coverage EVER!
— A. Jeffries, BNSF

Cornerstone handled my claim in very exceptional time frame. I felt as though I was their only customer most of the time because of how quick my claim representative was able to get my claim started.
— J. Neff, BLET

Completely satisfied with the claim process. I was really pleased with the contact from Kathy before the actual surgery date.
— J. Van Wardhuizen, IBEW

Claims people held my hand through all the paperwork. Made sure it was completed correctly. Checked on my recovery process. They were very compassionate and understanding in all communications with me. Very professional but yet caring. 
— P. Krueger, CN

Cornerstone and Tina Kiem were just wonderful, they were always there and willing to help when needed. It was a great experience. I have no complaints and would recommend this company to everyone.
— S. Smallfoot, BLET

I enjoyed my experience with you all. I hated being injured but the professionalism and courtesy was above what you’d expect normally. The individuals were supportive, understanding and very encouraging making my time off work and rehabilitation time tolerable. The support I received and words of encouragement really meant a great deal and I made it through this ordeal with a new faith in that there are people who are willing to help others and go an extra step during an unfortunate incident. Thank you all.
— D. Westmoreland, BLET

The insurance is a great thing to have. Everything was on time and processed accurately. My representative Kaelyn Cobbs was on top of everything. She was available and personable whenever I dealt with her. Great plan to have. I will promote this insurance to my fellow coworkers. Thank you again for great customer service.
— A. Yunek, IBEW

My claim was handled quickly and professionally. I would recommend this company to anyone.
— H. Bowers, BLET

From start to finish, the Claim Representative handled all aspects in a professional and compassionate manner. You obtain coverage with the hope of not having to use it, but there is comfort knowing that on such an occasion that your situation will be handled with tact and that payments come promptly and without issue. I am very satisfied and highly recommend this service. 
— R. Helm, BNSF

Great to have someone take you by the hand and walk you through the process.
— H. Ewell, BLET

I’ve been through cancer and another issue in 3 years. The support and help has been awesome.
— S. Meigs, BLET

It’s pretty stressful when you have to miss work and lose your income for a significant amount of time. Without my insurance plan through Cornerstone there’s no way my family would have been able to keep our heads above water with the financial struggles. The worry and uncertainty about the claims process, and how long it would take before I had money coming in again was far greater than the nervousness of having surgery and the recovery process. I’m here to tell you that it was very easy, and very quick compared to the nightmare that I thought it would be. We never missed a beat financially speaking which took a huge burden off of my shoulders and allowed me to rest and recover so that I did not have to rush back to work too soon and hinder the healing process. I was skeptical when I signed up with Cornerstone, just because it’s 2016 and it’s usually a big hassle if and when you ever need to file a claim, with any type of insurance company. You never know if and when you may get injured or sick, but now that I have Cornerstone, and have had to use it, I’m very happy and relieved to know that I’m covered.
— D. Kearney, BNSF

Direct deposit went in every Thursday, just as promised. Stopped claim at the end of my recovery was easy too. A simple phone call. Great customer service. Something you hardly see anymore. Thanks.
— J. Dudley, BLET

Cornerstone made this process so simple and easy. I was amazed of how much I didn’t have to do. They took care of everything, from doctors paperwork to making sure I was not stressed about not having income from my employer. Everything was done in a timely manner. I couldn’t be happier.
— M. Frankenfeld, BNSF

Cornerstone far exceeded my expectations in my claim process. What things I was told would happen and when, is just how it went. Good job.
— S. Dullard, BLET

Kaelyn rocked. She took care of everything. And she kept me posted on everything. She would email me and check on how I’m doing. Thanks for everything y’all did.
— S. Watson, IBEW

I was off work for 7 months. I thank my lucky stars I had Cornerstone and disability insurance in my corner. I could have lost so much. Thank you Cornerstone.
— W. Otto, BLET

I could not have been happier with everyone I had any contact with. They all were great. Thank you all for everything you did for myself and my family during this difficult time. 
— D. Morgan, Amtrak

My claims advocate, Lindsay Klein was excellent handling my claims, making sure everything went as smooth as possible. Cornerstone provides excellent service to union members!

— R. Pityer, BLET

Everything was great. I appreciate all the help because I didn’t know what to expect. Lindsay was very informative, and genuine. She was timely in contacting us and happy to answer any of our questions. I wish everything had helpful people like her.
— D. Hillier, BLM

Boy, am I glad I didn’t cancel. Cornerstone was great to deal with and I don’t know where I’d be now if not for the timely payment my policy afforded me through this difficult time.
— D. Fink, BLET

After my first conversation with Jessie, I had no worries about the process. Submitting paperwork was a lot easier than making doctors appointments. Anytime I had questions they were answered above and beyond my expectations. The whole thing was so simple it took the stress of not working and collecting a paycheck away. I am so happy that I signed up (at the last minute) . I would encourage all members to enroll . It’s just a little piece of mind that can help us all. Thank you 
— G. Kenske, BNSF

From the moment I called to the first call back— Everyone I spoke with made me feel I was a priority, and with the speed in which my claim was handled, I believe I was. Thank you.
— R. McClanahan, BLET

The people at Cornerstone are very helpful and make it easy to work with them. 
— B. Boen, BNSF

Everything related to my claim was very good.
— M. Garcia, IBEW

Without Cornerstone and Principal the past 10 months would have been difficult, not only were we able to maintain a normal life but your people along with the people from Principal were very friendly and knowledgeable.
— P. Haas, BLET

Having this policy may seem expensive but allowed me the time I needed to heal and not feel rushed to get back to work. It was a lifesaver and kept my bills on track and an accident didn’t ruin me or my family’s financial future. 
— J. Anastasoff, BLET

Cornerstone was AWESOME!!! Having some money coming in so quickly and easily was a burden lifted from my healing process! I also have another supplement insurance. And I am still waiting for money from them. Really, I cannot say enough good things about Cornerstone, or any of their people I spoke with during my injury!! 
— M. Coddington, BNSF

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