Cumis Insurance Disability Insurance Reviews

We applied for our disability insurance and we have spent the past 5+ months waiting for a reply and have been denied. At $420/mth, they like to take your money, but not pay a claim. They have asked for almost our entire medical history. Ever hear of the privacy act?
Do not use this company! They will find every excuse to Not pay out. What kind of insurance company is this? Thanks Steinbach Credit Union for supplying us with a useless insurance company. If this is the insurance company your bank/credit union offers you, find your own. They will never pay out. They will come up with every excuse. Let you go broke, and then the bank forecloses. Our loans officer even told us to find a different insurer. I do not give this company any rating at all, but you have to choose at least one star to submit this review.

I paid almost $2k for a loss of employment claim on my vehicle. Simply put, after 60 days of unemployment the claim makes your payments. Turns out, they actually don't. They said my policy is for a partial payment, and it will be received by the creditor 3 payments late, which will damage my credit. So, I will have to keep making payments out of my pocket and how do I get the money back on the double payments? Not their problem, they tell me. And when I spoke to a supervisor, all I got was the standard "that's the way it is" response. I have never dealt with a company that cares so little about protecting a customer for what they paid for.

I’m a healthy 28-year-old girl who bought a house and started my own business. Two years after purchasing my house I experienced increased instability with my left knee. I had a CT scan that showed I had worn down my knee as a massage therapist. I needed immediate surgery bone and ligament reconstruction. Recovery for this was 3 months and then I suffered an infection. I was off for half a year and my doctor communicated with them saying there is no way I could have known I needed surgery. They kept stealing my money and expressed that I should have known about my knee. They are still taking money from me even after signing papers to leave CUMIS. Exhausting horrible experience

Been paying into Cumis since 2013 and broke my back in 2016. I’m still as of today fighting to get my insurance coverage from my 7 months I couldn’t work... Called in January of 2019 to cancel and, then they seemed interested in trying to resolve my claim battle but drag their feet weekly. All I want to do is cancel and save myself $40/ month since I’ve started with new Insurance providers!

I signed up for Cumis Life and Loss of Employment Insurance last year. At the time I had been with my employer for over 9 years with very few complaints. I noticed a shift in management behaviours and opted to insure myself and my family (to help cover mortgage payments) in the event of loss of employment. Sure enough, things went downhill quickly at work, and despite my best efforts to appease my employer, I found myself out of a job. I received a certificate number and summary with a benefit effective date of insurance from Cumis (as well as the premiums benefit amounts etc.) It seemed pretty cut and dry to me; I lost my job after the policy was in place but I was denied as my coverage had not been in place for 60 days prior to losing my job and they refused to pay. Honestly, with 4 kids and a wife counting on me, the last few months have been about as stressful as it gets, and it was clearly a mistake to rely on Cumis for any sort of peace of mind. I would strongly urge anyone considering insuring themselves with Cumis to look elsewhere.

Paid life, mortgage, accident insurance. Had an accident and was off work for 3 months and got denied for the claim because I didn't put I have acid reflux on the medical forms

I had a terrible experience with cumis, after years of paying insurance to cover loss of employment when the time finally came they denied me saying I was on a contract. Yes, doesn't everyone sign a job contract. Even though all the appropriate paperwork was given, even thought the government even said that I was laid off and entitled to coverage they refused my claim. All those thousands of dollars paid into a crap insurance company. Run the other way, and find a decent, honest insurance company to deal with.