Independent Life Insurance Reviews

Great-West Life Life Insurance Reviews

(105 reviews)
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Category: Claim Exprerience
(1.4 out of 5 stars)
Customer Service:
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Short term disability

 
(1.0 out of 5 stars)
by IJ Apr 16, 2019
...I had recently been put on a short term leave from my job due to a pregnancy. I work in a highly dangerous environment with violent clients. Shortly after being put on leave I had a miscarriage. My leave was supposed to be 7 weeks according to my doctor's notes. I had been upfront and shared all information regarding every appointment to GWL and was happy to supply them with any further medical notes they needed. I was told by my GWL caseworker that I no longer qualified for a short term leave because my pregnancy being why I was off in the first place. I explained that I was still having complications and that my doctor insisted I needed to take the full 7 weeks. I was also told I didn’t qualify anymore because I was able to return to my job and complete 60% of my work. Which I found laughable because if I’m anything less than 100% at this job I put everybody at risk. I went back to my doctor and explained what was happening and he said I am the physician and the medical professional here and I believe you need the full 7 weeks. At this time I call my caseworker who tells me I’ve been cut off from my benefits as of last week. She said she had tried calling and leaving me a voice mail but there are no records of either on my phone. So glad I won’t be having to deal with this company again...
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GWL Long Term Disability

 
(5.0 out of 5 stars)
by Tara S Apr 10, 2019
...Hey, folks, I read all reviews and surprised since GWL has been very supportive of my LTD claim. I run races and marathons, drive my car, play field hockey. My specialists support my chronic pain and given no hard time from the insurer. I had my arm removed from elbow to my hand and have a complex case treated by Bioscript Solutions in Oakville...
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Long term Disability

 
(1.0 out of 5 stars)
by bigdog Mar 26, 2019
...Stay away!!! This company takes your money and doesn't honour their policies. Doing treatment for cancer and was told I didn't have the claim, so I was still able to do my job. Forced back to work and had to stop treatment, will work hard to get my employer to kick this company to the curb. Took them 3 months to figure my claim and just denied it anyways. Doctors and the company are confused about why the claim was denied. This insurance company is an example of what is wrong in the world today - greed. Stay away from this dollar store insurance company. If you work for a company like this, look in the mirror and ask yourself: can I make this a better world for my kids or will I be a part of the problem...
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GWL is a fraud

 
(1.0 out of 5 stars)
by Nicki Feb 28, 2019
...This company is a total fraud. Broke my elbow and they denied my claim. Over and over. Appeal after appeal. Documented disability as it’s on an X-ray and still denied. I don’t know how these people look themselves in the mirror and live with themselves knowing that every day they literally ruin people’s lives...
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High claim rejection

 
(1.5 out of 5 stars)
by Darkev Feb 15, 2019
...I’m supposed to have group insurance for dental. However each year my out-of-pocket expenses go up and up while Great-West finds new ways to not pay for claims. Recently I had 2 fillings on 2 teeth that happened to have crowns on them. The crowns were not touched. The two teeth under the crowns had cavities where my gums receded. $430 was the cost and $0 was the benefit amount. They don’t cover fillings to teeth that have crowns on them. They consider this “crown repair” when the dentist never touched the crowns at all. This is just one of many ineligible claim excuses they come up with to render your dental plan with them practically useless. I’m going to be pushing our union to switch to a better provider. We have approximately 40,000 employees and many of us in my section are fed up with this company...
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Horrible Insurance

 
(1.0 out of 5 stars)
by tikisa Jan 22, 2019
...My son recently became very ill and #greatwestlife will not pay for his medicine. The 2 reasons they have given you are also madness in my opinion. 1. It's too expensive –or- 2. It’s a new drug... 1. is the only reason I have insurance and 2. Every Dr. I have spoken with has been using this since the 80s to treat this illness. The head of the specific division of pediatrics at BC Children Hospital has written a letter to GWL with no result. The drug is covered by Pharmacare and they still won't cover it. ...BE WARNED! #greatwestlife are not an investment, not an insurance company they are highway robbers...
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Revolting Customer Service

 
(1.0 out of 5 stars)
by DontDrinkandDrive Jan 13, 2019
...Paid into the LTD program for over a year. Drunk driver hits me on my way to work. I am now suffering from chronic headaches and migraines and vision problems. Submitted a request for LTD in October 2018 and it's half-way in January 2019 and it's still "pending medical approval from our consultants"? If you send ANY document to your claims adjuster, you are now in a mandatory two-week queue prior to your claims adjuster even looking at it. This includes an attached document that is REQUIRED to be sent. GWL is so reluctant on giving out money but so easy to take your monthly LTD payments by you and your coworkers. They don't care about your financial situation or even remotely show compassion towards your disability. They treat you like criminals. With 20-20 Hindsight, I would strongly discourage any company from joining GWL's poor service. Scroll up, Scroll down. The same thing I wrote has been mentioned over a hundred times and nothing has changed...
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Worst Service

 
(1.0 out of 5 stars)
by Oilbomb Dec 13, 2018
...Absolutely pathetic Customer Service. They should be ashamed. Stay far away. Three months waiting for a claim. They say they will call you back and never do. They never let you speak to managers. They say a manager will call you back in two days and it never happens. They say they took care of everything yet when you call the dental office, they say they haven't heard from them in weeks. STAY FAR AWAY...
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DO NOT GET BENEFITS WITH THEM!

 
(1.0 out of 5 stars)
by Ram16 Dec 08, 2018
...Don’t advise anyone to get benefits through this company! They do anything in their power to not pay you any money. When you have more than enough doctor letting stating you can’t go back to work and Great-West Life doesn’t think that’s good enough 'cause apparently, they are doctors, not an insurance company!! It’s a joke...
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The worst

 
(1.0 out of 5 stars)
by Alice Dec 06, 2018
...Great-West Life does not care if you are ill. My experience with them has been horrible. There is no credibility nor transparency. Their customer service is absolutely horrid...
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TERRIBLE COMPANY!!

 
(1.0 out of 5 stars)
by NOT EVEN Dec 04, 2018
...Always a busy tone when calling customer service. Could not speak to anyone for over a month now, not even their switchboard could reach them, yet switchboard would say that they're experiencing high call volume, so then why isn't that message on their recording when calling in to make customers know what the heck is happening instead of a damn busy tone!!! This is all nonsense!!! 1.4 RATING FROM 133 REVIEWS!!! My husband claims are all selected for audit even though I've been submitting his claims via online, sent proof of the receipts, yet they would email countless times asking for proof, ARE YOUR EMPLOYEE INCOMPETENT??? CAN'T THEY OPEN RECENT ATTACHMENTS??!!! SO FRUSTRATED!!! LOOK at your rating, your service is crap and surprisingly there has been no significant changes even with the constant negative reviews. SHAME!!!...
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fraud

 
(1.0 out of 5 stars)
by Ben Nov 29, 2018
...If you have a choice, stay away from this company. They will do anything to not pay your claims. i.e. multiple short-term disability claims of my colleagues have been delayed in payment for months after their disability period. Cancer medication claims have been ignored over and over again. One of my colleague's husband passed away more than 6 months ago and there are still no payments. You can imagine the financial stress this creates. For myself, basically, every claim in the region of 100 $ + (over one hundred) is "randomly" selected for audit half the time then ignored after successful completion of the audit. The customer support line phone always has a busy tone. You simply cannot reach them. The online written requests get no answer. If you escalate to your company administrator, they will make statements that they tried to call you three times to clarify. They will state that you as a customer ignored them and therefore they do not pay. I can go on and on with these stories... Overall, this is a full-on fraud company...
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Denied on shaky grounds

 
(1.0 out of 5 stars)
by Beware of GWL Nov 21, 2018
...If there was less than one star - that's how I would rate. Be careful if your work goes through these guys. They do not care if you are ill, they don't care if you can no longer afford treatment or medication. They misuse facts, they will misinterpret doctors and specialists reports - their main goal is to save the company money. My life has been ruined by these guys - I am about to lose my home, my whole life. And now I cannot afford my medication - so what's the use? Next step: lawyer and media. Too many people at work they have done this to...
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HORRIBLE

 
(1.0 out of 5 stars)
by Anonymous Nov 20, 2018
...This is my first time writing a review but I feel it is necessary because of the horrible customer service and awful benefits provided by GWL. They require paper copies submitted for any expense claim over $400 and even if you provide everything they ask for, they require to jump through even more hoops and waste your time driving around the city trying to get doctors' notes to substantiate your claim. The phone number they provide is ALWAYS busy, so you can never get ahold of them. Typical insurance company that tries to get away with not reimbursing you for the expenses that your insurance is supposed to cover. I have had benefits with 3 other insurance companies and this one is by far the worst...
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*Be aware!

 
(1.0 out of 5 stars)
by Livelovelaugh Nov 17, 2018
...My experience with GWL was horrific right from day one. I wish I knew then what I know now. First of all, if they tell you something, it may or may not be the truth. Don’t trust them one bit. Keep your guard up. Protect yourself by printing out all your emails and record ALL phone conversations with them. Thankfully, I had a medical provider that gave me great advice at the start of my claim to journal and record everything as she was super frustrated and concerned how I was being treated right from the very beginning. It was not just concerns about one staff member, it was multiple and also multiple levels of management involved. GWL has admitted that my concerns are serious and have had negative consequences. I was told that after an investigation in June 2018 involving the director and regional manager that I would be provided the results of the investigation including what GWL has done to address the situation, any recommendations GWL has put forward and executed on, anything GWL has done to put in place such as policies and procedures to ensure this experience isn’t experienced by others, and answers to my questions. I did involve the ombudsman numerous times with no results. I found out the ombudsmen are paid by GWL. Despite my proof in the form of recordings, documentation and witnesses, they have yet provided me with any documentation that demonstrates they have taken this seriously by demonstrating to me that they did what they said they would do. It has been 5 months and still nothing...
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Horrible company

 
(1.0 out of 5 stars)
by San Oct 30, 2018
...Great-West-Life is a horrible company. They denied my application for LTD benefits despite the fact that my doctors supported my claim. I’m suffering from extreme anxiety, and stress at work on top of that chronic pain from work-related injuries and yet they told me there’s no reason for me to go on disability and I should go back to work. Hope this company will shut down. They really try their best not to pay you from what I can see. Of course, their workers do their best to deny you. That’s their bread and butter. Their workers’ mission is to take advantage of somebody’s misfortune. Who cares if you are suffering. All they care for is taking money from you. They are not there when you need them. Like so many people say here, they are lying thieves!...
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LTD Claim

 
(1.0 out of 5 stars)
by Very Disappointed Client Oct 19, 2018
...Applied for LTD end of August, gave all the information they required, of course, they required more information from the Doctor, Doctor submitted it. After a couple months of no income, what do you think happened with my claim - you guessed it...denied. I spoke with my Doctor after receiving the denial letter, he was shocked. He told me that I am unfit to work at my current job or any other job at this time. So now what??? Thank you Great-West Life, I am so glad I paid into LTD only to be denied. Will never deal with this company again...
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Did you know that if you are a 35-year old female, a term life insurance policy for 10 years with coverage of $500,000 will cost you around $15-$20/month? Getting your life insurance quote today will allow you to lock-in a great rate.