Independent Life Insurance Reviews

Great-West Life Life Insurance Reviews

(140 reviews)
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Category: Customer Service
(1.4 out of 5 stars)
Customer Service:
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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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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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Terrible

 
(1.0 out of 5 stars)
by fafonso Aug 27, 2019
...They take months to approve something that you are entitled to receive. You have to be persistent otherwise they won't pay anything. My husband works with another insurance company and comparing with this one is away better, they are faster and they don't play games like great west. Really bad company...
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NIGHTMARE

 
(1.0 out of 5 stars)
by basarabas Aug 21, 2019
...I have been working with Great-West for my insurance coverage for nine years, alongside them is another insurance company for my husband. There is absolutely no comparison. Great-West should be embarrassed and disgusted by their “service” to clients. They have always been very slow to process claims and question everything on top of their slowness, however, in the last three months, they have become even worse with me. They have a claim that they have not processed since June 8! They have emailed me four times about it, asking for different information, as well as called the service provider about it July 30th and questioned them. What’s more, is that it doesn’t even show up on their online system as being received and under review! So I called last week and inquired about that claim and she said she could see it and everything looks fine so it should be processed in a few days. I said fine and I still want to speak to a manager. Still, no claim has been processed and no one has called me back! I have many other problems with this company but the list is too long to type here so I just put my recent problem. I caution any employer or individual thinking of going with this provider, you’ll regret it! I have talked to several other people at my work place and they have said the same thing - NIGHTMARE! Unless you want to be on a constant audit DO NOT go with this company! I wouldn’t give this company even one star if it were not mandatory for posting...
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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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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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Did you know there is a 35% chance of developing a critical illness before you are 65 and 65%-70% chance before you turn 81? That means getting a critical illness insurance quote is no less important than getting life insurance. Your choice.
 

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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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.