Great-West Life Disability Insurance Reviews

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...

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.

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.

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.

Dealing with GWL on a disability claim for my wife has been completely abhorrent. As others have noted, if they can find ANY reason to deny the claim, they will. We have in writing from them that while her doctors may consider her unable to work, they don't agree (without justification given) so go back to work. Despite our request to be seen by a doctor of their choosing, they declined and stuck with their decision on appeal. If your employer defaults to their decision, as he does, then you are stuck with the employer demanding that she return to work despite doctors instructions she can't. The sad irony in this is she is paying for this 'coverage'. The sad footnote is every health care provider we have dealt with, has had nothing good to say about patient experiences with GWL.

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...

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

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.

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