Sun Life Life Insurance Reviews
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As a healthcare practitioner, who has more than 20 years of experience, I worked throughout the pandemic providing frontline care. Suffering burnout and compassion fatigue, (called major depressive disorder by my healthcare practitioner) I accessed my workplace benefits for support. After leaving me without ANY benefits for a period of 2 1/2 months (from May to July, while they 'reviewed' my claim, Sun Life ultimately decided that I did not qualify for benefits because I did not meet all their criteria - i.e: not accessing enough mental health support. In a time when Mental Healthcare is most in demand, and unattainable. When daily reports that Mental Health issues are at an all-time high. I accessed, as much as I was able, but not 'enough'. They also stated I did not qualify as 'Totally disabled'. No, I wasn't. I was open to, and actively involved in a graduated return to work plan, with accommodations in place! But that made me not totally disabled. A catch-22 like a leg-hold trap! Do you want me to pretend to be sicker, and more disabled than I am so I can qualify for services? Yet, I am also expected to be actively involved in a rehabilitation plan. This is a scam. Sun Life as an organization should be ashamed of itself. I've worked with clients for over 2 decades to support their mental health and wellness and advocated for them when they encounter challenges and resistance from Insurance and employers. Then, when I need support - it is not there.
Sunlife confirmed coverage of charges ahead of time when I verified. They then refused payment. When I called Sun Life the service team blamed internal consultants for coverage refusal. Multiple calls and wasted time, each time Sun Life promised to rectify the situation. They never did and ultimately waited until we gave up. Stay away from this company. Over the 12 years, I was a client because of my employer... I have multiple examples of this company actively avoiding coverage and generally being a terrible insurance company. If you have a choice stay away from Sun Life at all costs.
I have Sun Life gold package for dental treatment. All estimates sent by my dentist have been rejected, nothing approved.
Very low standard insurance provider
Do not ever take a life insurance policy with this company. My father passed away I spoke with an advisor about the payout to cover costs for the funeral sent them a death certificate finalized all the paperwork was told a cheque would come in the mail within a month. 3 months pass I called them and they told me my father never had a life insurance policy when I clearly had the paperwork in front of me saying otherwise. Should have taken them to court but that would cost thousands so I gave up on it. They take advantage of anyone they can! DO NOT TRUST THIS COMPANY!!!
Out of all the group benefits providers I have used Sun Life has been the worst customer experience. The gist of my complaint is they refused to pay the full claim for my contact lenses/eyeglasses because they said I filed the claim 2 days early from the exact 2-year anniversary date. Called 2 times and no resolution was provided. Escalated issue to a manager but was denied access to a manager or the claims adjuster. They could not reimburse me for the full amount or allow me to cancel the claims and resubmit it. CSRs were from another country and it was difficult at times to understand them (English was not their first language).
If anyone has a small business looking for group benefits, please avoid this company at all costs!!!! No point to have unhappy employees. My experience with the other insurers was excellent. A call centre was in Canada or North America. The employees were empowered to fix issues.
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I am one of the employees
They are ok when you are paying them
When you get really sick...
They send you to their “assigned” doctor or psychiatrist and his opinion even if it is wrong is taken into consideration and they don’t respect your own family doctor or your own psychologist, psychiatrist or any type of doctor you deal with because they really don't pay you when you need them, I was extremely sick and they did their best to prove me otherwise, so I needed to deal with my sickness and extreme stress from my insurance paying me!!!
Plus when you appeal they take many months
To reply that it was refused!
I would give them less than one star!
Sun Life appears to not believe severe depression is a disability. They need to update themselves and enter the 21st century. Initially approving, then denying a disability by Ms. Jollymore, mother of a severely disabled baby, receiving palliative care and they cut off her benefits.
Disgusting behaviour, but not *unexpected* from these rip-off insurance companies that get rich off our backs. Sun Life is one of the very worst.