Canada Life Disability Insurance Reviews
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I was pregnant and I got severe back pain, nausea and headache so my doctor advised me to take some rest and avoid my regular duties for some days I applied short term disability but Canada Life declined my application by saying that I don’t have any complications. If they don’t want to approve then why do they ask us if they need more information from our doctor and we are responsible for the payment because the doctor already gave the information in a required form that we submitted at starting…
I worked for 11 years lifting heavy patience for a complex Care facility and nobody would help me and I got injured. Took forever like 2 years before I got my disability. Somewhere in the scuffle I developed severe headaches and occipital neuralgia. I have been working and making more than they have been paying me. I cannot afford to live off of $1,800 a month. I have to work. And now that I've been making more money they're cutting me off and taking away my benefits. They know I'm suffering they know I'm in agonizing pain they know that I claim all the money I make. This is very distressing and if I knew they were going to do this I wouldn't have worked at all and I would have lived in a cardboard box on the street. Now I feel like I've been thrown under the bus. I have no support if my wrist finally give up and stop working completely. I am disabled from work and have other issues because of dealing with disability. This is abuse.
As many others have said, I wouldn’t waste your money paying towards LTD if it is with Canada Life. My case manager is clueless and it seems Canada Life does not recognize mental health as a true illness.
Be VERY aware of what you are paying to them as they rake in billions in revenue with payouts that won’t benefit you at all.
They are a sham!
I have had to deal with the nastiest claim manager. I am on disability due to illness, and she calls all snarky, condescending and threatening. I'm recording any calls I have with her in the future and filing a lawsuit.
In this day and age, this shouldn't be happening. Mental illness is not a joke.
If I could leave no stars I would.
Warning: Do not use this company!
I have a disability claim with Canada Life. The initial Case Manager was extremely disrespectful towards me. What is surprising is she is one of the supervisors! The fact that they would put someone in this position who has such a lack of compassion and no skill set in regards to dealing with people speaks volumes. She was condescending and rude when speaking with me. She lied about the conversations we had and said she told me things she hadn’t. The claim was eventually transferred. I have not been able to reach the new case manager as they don’t answer their phone. I have no idea what is going on. Payments have stopped and I have no idea why. They are refusing to answer questions about the care that I need support with in order to recover. They are absolutely terrible to deal with and making an already stressful situation extremely more stressful!
I filled for short term disability for depression and anxiety and health issues the company after receiving the forms that I sent before the deadline reviewed them and told me they needed more information which I provided. After providing the information and making me wait more than 2 weeks they managed to deny the claim saying there was still not enough information... So I had to go see my doctor again and provide them with more information and they kept the same thing and said their decision was final because the date I should have provided the information was too late. It is extremely hard at this time to see doctors because of all the restrictions due to COVID... I really feel like they are not human and really don't care about people. I would advise not to take any insurance with them for the experience I got. It's not enough to have to deal with my health issue every day. I feel like my insurance company restricting my employer to pay me is like saying we are giving up on you and don't care. Thank you Canada Life I hope your agents feel like they really contribute to helping people by denying their claims when they really need it.
There's no point in paying for disability insurance through this company. Long or short-term, they will not pay. They will deny your claim and make you jump through hoops to appeal it, all while you're too sick or injured to deal with it. I ended up going through EI Sickness anyways. Why pay into something that won't even be there when you need it? The adjusters are very rude, and just the stress of dealing with mine worsened my condition. Don't buy insurance from these people, you're flushing your money down the drain.
After paying health insurance to Canada Life I became very ill and unable to work. At this time of Covid-19 pandemic they are forcing me to go out and "Find Employment" despite what my medical doctors are totally against. They refuse to send me any documents of their rules. Harass me to no end. Very unprofessional. They even told me not to see my doctors as they don't even know what diseases are that I am diagnosed with. Really do not even deserve any stars on reviews. Very insensitive and could care less about clients. Pitiful their attitudes.
I dealt with one of the rudest customer service agents and ended up hanging up due to harassment. I then complained to the complaint which they then informed her that I had complained. She then called me to confront me and harass me more. I then emailed saying I would not deal with this agent. 2 weeks later her manager called saying that is my case agent and she has to be the one to deal with my claim and then I responded that I would record the conversation this time since they denied recording the first conversation even though there is an automatic message saying the call would be recorded. It's been 2 1/2 months now without a single disability check and are not paying for my therapy sessions. They also transferred me between 3 provinces and multiple people to delay the claim.
It's Canada Life that is associated with CIBC. Paid into it for 22 years. Didn't read the fine print of only 2 years of disability insurance, what a joke especially when I was paying a premium price. Now I need them more than ever to put a second claim in and nothing. I'm probably going to lose the house. They don't seem to care. I've got 5 doctor's notes and still nothing. Wasted one year because Covid couldn't get testing, but they still counted it, they could have helped me with that as well.