Manulife Life Insurance Reviews

I have had to deal with Manulife for years as they are the provider for my employer's group benefits. I've had the same employer for about 7 years, so I've had multiple interactions with Manulife. They are ALWAYS hard to deal with, representatives are incompetent, and after the experience I just had I am absolutely convinced they are crooks who are likely scamming thousands of people out of money they are entitled to. Through my work benefits, I am covered 100% up to $3000 for Mental Health Services (in my case, I was submitting a claim for a marriage clinical counselling session which as per the fine print in my coverage statement falls under an eligible practitioner). Get this... a 50-minute session at the clinic I attend is $130. That is a set flat rate and does not change depending on how many people attend. So if I do a session on my own - $130 - if I do a session with my husband - also $130. True to form, Manulife only reimbursed me half of the cost of the appointment because my husband isn't covered under my plan. This should not matter! If a marriage counselling session was say $200 instead of the normal $130 I would completely understand why Manulife wouldn't cover the additional cost for someone who isn't covered under the plan...BUT THERE IS LITERALLY NOT ONE PENNY MORE COMING OUT OF MANULIFE'S BUDGET TO PAY ME OUT!!!! It's gut-wrenching that amidst global crisis all I'm trying to do is seek mental health services and a company that nets billions of dollars each year is trying to scam me out of $65 because "that is just how it's processed". I sincerely hope someone starts investigating this company because they are horrible.

My documents show that it was “on file “ that “ I am the beneficiary” for my spouse's basic life. Manulife is refusing to give the sum to me as the beneficiary due to them apparently not being able to find all their necessary signed paperwork. When did someone apparently not doing their job become my responsibility and problem? If when my spouse would go online and print out their benefit plan and everything shows that they have on file the correct designated beneficiary and so forth how is it fair that when it comes down to having an issue that money accordingly that they deny the stated beneficiary the amount as the beneficiary because they can’t find their ‘signed’ paperwork. Our documents are our confirmation that all is in order. And then they suggest for the beneficiary to open an estate account that seems unnecessary and odd. Finally, after months of back and forth, they issue the cheque but not the full amount of my spouse's pay and in accordance to what they stated I was entitled to in a letter sent to me. Therefore, once again leaving me to wait for management to figure out the problem and more time goes by without receiving money that I am entitled to and not in the way that I feel it states I should receive it. In my experience, there seem to be a lot of discrepancies and I feel that during a very difficult time in my life Manulife made it more difficult mentally, emotionally and financially for myself. Based on my experience, I do not recommend Manulife to any company, person or family.