Independent Life Insurance Reviews

Great-West Life Life Insurance Reviews

(72 reviews)
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Category: Coverage, Conditions
(1.4 out of 5 stars)
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Zero empathy

 
(1.0 out of 5 stars)
by Unhappywoman Jun 20, 2019
...This company has zero empathy and lack any form of communication skills when it comes to their clients. Being on short term disability for mental illness and they make it worse by refusing to cover any treatment for a psychologist after they referred me to their own doctor to see if I needed that treatment. After their own doctor stated I needed therapy from a psychologist they still refused to pay due to it “being too expensive” of treatment; been off work since February and they never once referred me to get any form of medical help so I bought it on my own and when I did that, they come back with zero financial aid and a comment of “we’re not responsible for your choices”. Apparently, someone who cannot work because of mental illness is to sit on the couch and do nothing and become worse because to them that is financially safe. Worst insurance company ever...
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psychotherapists not covered

 
(1.0 out of 5 stars)
by km Jun 08, 2019
...It is absurd that they determine the type of mental health professional I am allowed to see. This needs to be changed. Psychotherapists should be covered on any plan that has social workers or psychologists...
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Great Worst Life

 
(1.0 out of 5 stars)
by Jordan May 31, 2019
...Honestly, my life was better with my dislocated disc in my back, then dealing with these people who have no care for their clients. I am in disbelief because I was off for 12 weeks and now I was told they are only gonna be paying me for 4 weeks. I am shocked and feel disgusted...
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In business to make money

 
(1.0 out of 5 stars)
by Displeased in BC May 29, 2019
Dealing with GWL on a disability claim for my wife has been completely abhorrent. As others have noted, if they can find ANY reason to deny the claim, they will. We have in writing from them that while her doctors may consider her unable to work, they don't agree (without justification given) so go back to work. Despite our request to be seen by a doctor of their choosing, they declined and stuck with their decision on appeal. If your employer defaults to their decision, as he does, then you are stuck with the employer demanding that she return to work despite doctors instructions she can't. The sad irony in this is she is paying for this 'coverage'. The sad footnote is every health care provider we have dealt with, has had nothing good to say about patient experiences with GWL.
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The Worst

 
(1.0 out of 5 stars)
by rick May 18, 2019
They have an answering machine phone system, very hard to get an agent on the phone. They rarely return phone calls. Rarely return emails. Very difficult to fax documents as their fax machine seems to usually not work and takes days to weeks to get a hold of an agent to confirm whether fax went through. Then it seems like they don't even read medical records sent to them. Got my claim and appeal both denied which took 5 months total. Denials didn't mention any medical information sent to them, doctor's diagnosis, or doctor finding I was not medically fit for work. You'll hear lots about being 60% able to work. It doesn't matter if you are vomiting, dizzy, or having other flu-like symptoms. Doesn't matter your doctor finds you unfit for work and in need of bed rest. The whole system is corrupt by design. Don't worry about your claim being paid out, it won't be.
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Bad service

 
(1.0 out of 5 stars)
by muammer May 02, 2019
...I am on the short term disability from my workplace and they work with the Great-West. I'm already on a 70% reduced coverage and they made me pay for the 150$ form they provide for the doctor to fill in. On top of that, there are 7 days waiting period without pay, if you don't have sick days you're pretty much in trouble. The doctor asked for 4 weeks no work, Great-West reduced it to 2 and a half. Every time you make a claim or a quote, they always refuse it or ask for more information. Everything to make you give up. The staff on the phone won't accept criticism and will argue with me...
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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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Very expensive and no service

 
(1.0 out of 5 stars)
by Mona Mar 29, 2019
...The insurance is full of surprises. I was claiming for my dental and apparently, it is not covered because the first crown was less than 5 years. There is no booklet with exceptions available even though I requested it already like 2 times. This is completely a rip-off. I have the right to know what are the exceptions in order to make a choice if I go to my dentist in Canada or Europe. In order to receive a response, it takes more than 2-3 weeks. This is not a support service at all...
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HORRIBLE COVERAGE

 
(1.0 out of 5 stars)
by Jon Mar 26, 2019
...Hey folks - robbery = GWL. They don't cover anything. Says 100% but an absolute scam! The ombudsman should be called in and this company should pay out the millions it owes to everyone! How can anyone work for this company? I get it, you're scared to change jobs. At least tell the management that they are scamming ppl and that is no the way to do business. What a horrible company...
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health insurance DISAPPOINTING

 
(1.5 out of 5 stars)
by bcblueeyes Mar 14, 2019
...Great-West Health/Dental insurance policy is disappointing compared to competitors. GWL only pays what a guide would indicate rather than what a service provider charges. This is a real cheap way out of providing health and dental coverage. My partner's insurance does pay the difference of what GWL does not pay (as her insurance company Sun Life has good customer policy). GWL has no problem taking my monthly fee but maybe they should change their policy to reflect other insurance companies. If my employer did not use GWL, I would not recommend GWL due to their cheapness (policies) in co-insurance...
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Crafty Lawyers.

 
(1.0 out of 5 stars)
by Anonymous Feb 23, 2019
...This 'company' is a complete and utter farce run by callous individuals. Their policies are a joke, leaving you with little-to-no coverage. There are numerous occasions where I am reimbursed $2, $4, $5 as a result of how they run the numbers. I am inclined to call it a scam, but somehow these sneaky crooks play by their fine print rules and get away with it. I advise anyone of good ethical character to steer clear from any involvement with this 'company'...
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GWL policy

 
(2.0 out of 5 stars)
by rene.r.c Jan 17, 2019
...They have a policy where if you have two different plan coverage but both with GWL, they will only pay for the procedure once regardless of how much money is on either plan. Ex. if I have 1000 worth dental work done, my plan only covers 800. You'd think my spouse's plan, which covers 1000, also would cover the balance of 200. Nope, GWL will only pay for the procedure once. So why am I paying for 2 plans, why don't you provide me with service I'm paying for on both plans?...
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Health and Dental Nightmare

 
(1.5 out of 5 stars)
by Robin PS Dec 18, 2018
...Unfortunately, I have negative things to share about my experiences with GWL. Not only have they made me jump through hoops for both dental and medical coverage, they have not honoured a predetermination as they say they need “more information” which is clearly a stalling tactic. My doctor has appealed meds coverage twice, I’ve appealed twice and they only come back with “we just don’t cover that med.” Not even a generic. I hate to say but I am going to try and opt out of this coverage because it’s horrible. Very very disappointed and extremely dissatisfied...
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Policy not honoured

 
(1.0 out of 5 stars)
by Blubaru Dec 17, 2018
...This is about "Drug Insurance", which is not available in the Product type. The Ontario Pension Board's Ontario Public Service Pension Plan drug coverage is supposed to be 90% but Great-West Life Assurance has applied a $1,000/year limit on a specific drug. The information available from the Ontario Pension Board and from the Great-West Life Assurance's GroupNet websites state that the drug coverage is 90% without any exception. Great-West Life will not provide the insurance policy, only a sketchy self-excusing letter explaining the limit using Health Canada and other excuses to deny payment for copayment coverage for a drug I have been taking for at least 13 years at the same dosage. My doctor submitted a form requested by Great-West Life Assurance in which the reason for prescribing and the dosage was stated, which Great-West Life Assurance rejected. Great-West Life Assurance is dishonest. Ultimately, this will probably be settled in small claims court. It isn't just about the small amount of money involved, it is the principle that the information presented by the Ontario Pension Board and Great-West Life Assurance state specific coverage, which is not being honoured and, if there is an exception, that information is not provided, and the supposed exception to 90% coverage is for a different condition for the prescribed drug. The Ontario Treasury Board Secretariat is a party to the insurance policy agreement and will be named as a party in a small claims court lawsuit. If this is resolved in small claims court, it will cost Great-West Life Assurance and the taxpayer of Ontario a lot more money than the outstanding unreimbursed amount...
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