Independent Life Insurance Reviews

Great-West Life Life Insurance Reviews

(134 reviews)
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Category: Customer Service
(1.4 out of 5 stars)
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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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Absolutely no compassion

 
(1.0 out of 5 stars)
by Mary May 27, 2019
...I've been off work for 5 months, my EI ran out in April, it is now the end of May. They told me complete lies about waiting for my employer to respond about my income to find out they didn't actually reach out until May 23rd. I've called a few times a week and they kept giving me the same excuse while talking down to me as if I'm bothering them to do their job. Now the person who handled my claim is away and will call me next week. I've been told next week for 4 weeks. This is completely unprofessional, you can't seem to get through to anyone in charge. I'm a single mother, having health issues, no other income. This is insurance I pay for and they treat me like I'm working for them. I have not been able to speak to one person who has been polite or understanding during this whole process. This is completely unprofessional...
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Long Term Disability

 
(1.0 out of 5 stars)
by spencer May 22, 2019
...Great West Life needs to have a class action suit filed against them. They fully know that you will never get through on their one fax number for all claims for all of Canada. They prey on the insured a game of non-customer service. You need to record and file a complaint to the different insurance regulators government and non-government. They need to be exposed for the harm they are doing to their customers. They are ruining lives. They fail to be honest and show a willing nature to frustrate and delay and deny claims. They fail to collect all information on claims and blame the client. We need to get together to take collective action against them. I faxed them a dozen times and got busy signals today every time. They fully know this is the best way to frustrate and eliminate your timely claims. This cancer must be removed and penalize and removed from the insurance business. Will give some direction in how to deal with this company that has taken advantage of hundreds of people. They prey on your lack of knowledge on what to do. They have been at this for years and have schooled themselves in how to handle the Art Of The Claim To their advantage...
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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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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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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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Hugh Disappointment

 
(1.0 out of 5 stars)
by Johnathan Mar 07, 2019
...If you have an option, stay away from their service. I tried to call a general helpline and find out more info regarding disability claims. They gave me another to call for disability claim info. I called that number, and the lady on the phone told me I should call another office in Scarborough, so I called Scarborough disability claim office. They said they only help with existing claims. With all this passing around, I still couldn't find out if they will accept my situation, where to submit claims, and how to get claim form etc. Useless, rude, slow, ineffective customer services. Lastly, I found out I should contact my account rep-M.D. She never answers her phones or returns phone calls. Every time I call, she is out of the office or away from the desk. If your company is short of staffing, hire more people, and hire smarter people. Super Disappointed...
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Stay away from this company

 
(1.0 out of 5 stars)
by Teephany Feb 19, 2019
...This is the worst company ever. They don't care about their customers at all. Only care about pocketing the cash every month. No return of call. Will go to great lengths not to pay indemnity...
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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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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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Very very bad - Service

 
(1.5 out of 5 stars)
by Plan holder Dec 14, 2018
...Give me a break! They put you on hold for hours and hours...they dropped my call 3 times in 1 hour...was on the phone for several hours to get one claim question answered. They do not reply to emails. It's a gimmick!!!...
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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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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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