Independent Life Insurance Reviews

Great-West Life Life Insurance Reviews

(86 reviews)
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Category: Coverage, Conditions
(1.3 out of 5 stars)
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Doesn't honour prescriptions

 
(1.0 out of 5 stars)
by Greg Feb 11, 2020
...I was insured though Great West-Life. I had prescription coverage. My partner has a neurological disorder and required non cosmetic botox. We filed the claim online and were informed that we required special permission from our doctor. We got the special paperwork filled out, received a letter confirming that it was now covered by Great West-Life, and refiled the paperwork. They again rejected it because the doctor used a generic version of the botox. This was clear on our initial claim. Our coverage finished and I spent hours on the phone trying to get them to honour the prescription. Their phone staff said they would call back but never did. They clearly just waited until my patience ran out. I would not recommend them...
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Deny the claims

 
(1.0 out of 5 stars)
by DB Feb 04, 2020
...Worst company for any type of medical or dental claims. They denied a claim after a complaint and appeal. My son had 9000$ worth of dental claims prior to his 21 birthday but continued after his 21 birthday. The dentist was booked so treatment began a week after his 21 birthday. Still won’t pay. No goodwill with this company despite being a customer for 27 years...
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Run around

 
(1.0 out of 5 stars)
by EG Jan 10, 2020
...My husband has been receiving DSB for now 3 years first and out of the blue now they say there are discrepancies in his file and want him to see one of their doctors about 8 hours away. My husband's doctors do not want him to drive or fly. I bet anything they will cut his benefit...he told them he was unable to make that trip but would be willing to see another specialist in our province. Always something with them! They lie and make things up as they go. All 3 doctors have written letters stating he can not return to work. Chronic pain and back problems will not get any better...
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They are a Scam

 
(1.0 out of 5 stars)
by Tams Dec 10, 2019
...I've been insured with them through my work and have been paying into them for almost 2 years with no claims. I finally made a claim for orthopedic shoes and it has been a month since I sent them what they asked for - doctor's prescription and podiatrist's. They rejected my claim BY SENDING A LETTER THROUGH SNAIL MAIL!!! I can't even touch how bad an idea that is because it's slow and dated... ESPECIALLY WHEN THEY CAN CALL/EMAIL OR UPDATE MY FILE! I called to find out why, and I've had to wait on the phone for half an hour before a representative picks up and tells me the same things. They refuse to pay for my shoes because according to their system my condition requires orthotics, not ortho shoes. I asked them to cover my orthotic insoles and they said my plan doesn't cover those, only ortho shoes, but they won't pay for my shoes because my condition requires the insoles... I explained that my doctor told me to get both of them for my condition, but they are saying their system says otherwise and they don't cover insoles. Fast forward to a month and I've spoken to the supervisor twice and have only received the same runaround. This is literally the worst runaround in the history of runaround. It goes likes this: "Your doctor says you need these things but our system says you need only the insoles. We do not cover insoles for you but we do cover shoes for you. We can't give you shoes because according to our system you need insoles. We don't cover insoles for you." It is ridiculous! This is what I've had to hear for a month AFTER waiting on the phone for upwards of 20 minutes and up to a half-hour. Please! For the sake of your sanity, and your money, if your employer offers benefits through this company, don't waste your money because you can easily pay for your stuff without going through them if you choose to opt-out...
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Refuse to pay for CPAP Machine

 
(1.0 out of 5 stars)
by jeromeqc Oct 31, 2019
...For years I had severe anxiety problems and was unable to find the root cause for it. Recently I have been diagnosed with Sleep Apnea, doctor recommended me to buy a CPAP machine and to be honest it changed my life! The best of it is I don't need to take medication for the anxiety anymore, sleep apnea was the root cause for my anxiety! Turns out that the (not so) Great West refuse to pay for the CPAP machine which is priced at 1700$ because for them I am not sick enough (i have moderate Sleep Apnea), they reimburse me over 1000$ per year for anxiety pills but they won't pay a dime for the real solution to the problem which is Sleep Apnea...
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Are they scammers?

 
(1.0 out of 5 stars)
by apple Oct 28, 2019
...I don't know what is up with this company, I filed a short term disability claim but it seems like they do everything in their power to avoid paying you. I had to call maybe 50 times to get somebody to review my file, and even after several months, I haven't received a penny! Please avoid this company, lucky for me it was only a short term disability and I was able to withstand the damage...
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Patel

 
(1.0 out of 5 stars)
by RedAlert Oct 22, 2019
...The GWL is worst for coverage through job medical insurance. They excuse to not pay for the tooth procedure and crown because it was taken out before I joined the present company. Don't you think this is an excuse? This company took around 4-5 months to answer the question that, are they going to pay or not. Finally, they said they will not pay. I am surprised why consumer protection is not taking any action against this kind of useless company, keeping such stupid clauses in the policies...
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worst, terrible, scammer

 
(1.0 out of 5 stars)
by chris Oct 11, 2019
...This is the worst insurance provider, always making an excuse not to pay any type of claim. Another insurer already pays the CPAP machine for my sleep apnea which is $2016 and they just need to pay the remaining wich is $504 still they declined to pay it, shame on you Great-West Life. Another insurer paid it without any question. Great-West Life is the terrible and worst insurance company ever...
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GWL-doesn't do their Job right

 
(1.0 out of 5 stars)
by GWL doesnt do job right Sep 26, 2019
...I've been on LTD disabled Insurance through work for 20 years - 1st with London Life then GWL bought them...I think my policy may have changed then... I've told GWL with every request they send me, exactly what my monthly CPP income was.. then I got CPP survivor benefit added when the husband died ... and they were notified then, and my disability payments never were reduced. OK... I figured I am allowed to keep CPP survivor benefit.. as I've always told them in everything they requested that I've "this total Includes CPP Survivor benefit" I'm told now... there IS no allowance for inflation. Every extra penny CPP gives me including what my Husband wanted me to have is deducted and I am ONLY allowed to make $800 month for life...HOW CAN ANYONE LIVE ON $800 MONTHLY for life in this era ?? Now GWL wants to do a review of past CPP payments as they say they overpaid me.... even Ontario disability pays $1,130 mo to their clients... However.. it was GWL fault their workers never read or followed up on what I've been sending them for over 7 years... IF there was an issue... someone on their end should have caught it years ago... Now they want $30.000 + paid back as overpayments of 7 years... and I don't even make anything close to what government assistance pays their ODSP clients.. and housing wants 33 % of income... If one can get that... This is their fault by not reading what I've been sending them all these years, and now want to come after me for them not doing their job right... I've had 6 different GWL caseworkers in past 8 years...who always approved my file because of what honesty I've stated... How can they make ME responsible for them dropping the ball??? I don't have the money to repay this amount :-( I guess I need a lawyer...
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Sneaky and Terrible Coverage

 
(1.0 out of 5 stars)
by frustrated Jul 16, 2019
...I'm under my partner's health benefits. Chiropractic care is listed at $500 per year covered at 100%. I had my initial assessment for $125. This was the least expensive that I found in my immediate area in Toronto. Only $68 was covered much to my surprise. After extensive time on the phone, I was told that they only cover the lowest amount offered in my area. Looking at the Ontario Chiropractic Association's website I found that they recommend a fee was $88 - $150 for an initial assessment in 2019. The company refused to share with me their supporting evidence showing how they found $68 to be the lowest cost per hour. This is honestly so frustrating. If a plan offers $500 covered at 100% I shouldn't be surprised that my first claim towards this amount isn't fully covered. Maybe there are smaller towns in Ontario where $68 is the cost of chiropractic care but in Toronto, you're unlikely to find this. There's nothing that makes me so upset as sneaky and deceptive behaviour...
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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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Did you know that mortgage insurance is the same as life insurance but more expensive and offers less protection? By cancelling it and getting life insurance , you would typically save around 30%-40% for the same coverage.