Great-West Life Disability Insurance Reviews

I was put on disability by my Dr. Over the course of the first two years, I was made to jump through numerous hoops, have numerous forms filled out by my Dr. (which I had to pay for), had to meet with GWL's third party assessment group (weekly), who push you to return to work, and so forth. I was incredibly ill, couldn't drive and could barely hold an intelligent conversation due to chronic pain reducing my cognitive ability. I found I had to be VERY careful what I said on the phone ... VERY.

Now, finally, all had been well with them (3 years later). I will never be able to return to work. THEN: They encouraged me to apply for CPPD, which I did, and was granted (no issues). I have received a 17 month retroactive backpay from CPPD. GWL says I have to pay this back to them as it is an overpayment and will cover payments made by GWL.

This is INCORRECT in my case. I hold a premium policy which states: if the monthly CPPD payment in combination with the monthly GWL payment does not exceed what my monthly salary would have been, then no deduction will be taken for overpayment.

Therefore, the 17 month retroactive payment is NOT an overpayment and I should not have to pay a penny - when broken out into the 17 months and summed with the monthly payments made by GWL - the monthly amount(s) NEVER exceed what my monthly salary was. So, no overpayment made.

I will seek legal counsel if needed, but the GWL representative is this cold, disconnected, robot like person who has the personality of a rock. I don't feel listened to. And I would advise that all conversation be followed up with an email for tracking purposes!

I had been told, numerous years ago, that insurance companies will say No, No, No, No ... to hopefully get you to just stop asking. Eventually, they will pay, in most cases. But, you have to wait, while you are ill and not working for sometime, in many cases. Which then forces people to go back to work!

So disgusting ... all about THEIR own bottom line .. and never really about You and all the money you paid to be taken care of if something medical should occur in your life. Ugh!

Paid my dues for over 7 years for employee benefits. There rep came to our company and assured us and I quote "Don't worry, if anything happens we'll take care of you! No problems."

Over this 7 year period they recieved over 16, 800.00 dollars on my behalf.

In 2016 I was in a bad car accident and ended up with severe post concussion syndrome. They did everything they could to deny me and left me in the dust.

So I lost my 26 dollar an hour job because of my condition and couldn't drive a truck anymore. Now I survive on a meager provincial disability stipend as I can't work yet.

Don't do business with these people, they are your typical greedy self-centered corporation. They lie and don't deliver what they promise.

I hope you spent my 16K on something nice for yourselves...

I wanted to see the best and originally it looked that way. I truest believed Great West understood what was happening and wanted to get me back to my normal. First payments were always an issue. Late, non existence no response for a week past. It's like they don't understand you rely on that payment date. Had the worst experience with the pay. Secondly they sent me to see someone who didn't do anything to talk about what was bringing on my symptoms and just wanted me to decide what to do about my job which was in direct conflict with what my case worker said. They told me my claim was ending the week after I experienced a panic attack so bad I almost blacked out while driving. Told me I'd deal with PTSD forever and so my claim was over and back to work I go. I work in a safety related industry it makes no sense. My last payment never came big surprise. All and all it was a terrible experience. I'm not very happy having no choice by my former employer but to pay into benefits that really don't benefit you when you get sick. Save your money. They are more interested in getting your case closed over your actual health. It's pathetic.

Do not talk to these crooks on the phone! Do everything through email so you have records. Read all the fine print of your contract and keep perfect records that you are complying. I had complaints about the medical treatment I was getting, they put me in touch with their "specialist" and he said everything was ok, then a month later my case was closed for doing what he told me. Can also never get a response, had multiple breaks in pay because they were sick, or on holidays, or switched case managers. I don't honestly know how they sleep at night.

I've been on LTD for just over a year, with a gradual return to work program now. However, it is not going well, and it is very obvious to everyone except GWL that I cannot return to work. I'm working 4 hr x 4 days now, and completely exhausted by the end. I have made a bed in the back seat of my car so I can recover part way through the 4 hours and at the end of the 4 hours...at least recover enough to be able to drive home and then go to bed. A specialist and my GP have requested that I be off 2-3 more months but GWL's medical board in Toronto (who have never seen me!!!!) has denied the request and now I have to continue with the GRTW program with 6hrs x 5 days or they will cut me off. I can't do 4hrs x 4 days let alone bumping it up. I'm talking to a lawyer tomorrow because I simply cannot do this, but I don't know what else to do...and don't have the energy to fight. Very disappointed with GWL. We'll have to see what happens when I repeatedly collapse at work and have to call ambulances...especially since at times I work in the building alone...should be interesting to see the ramifications of the ambulance attendants breaking the building doors down to get to me.

I am on short term disability . This company is horrible to deal with when you are trying to get answers from them. They charge you a overpayment on your very first cheque and when you ask what this is for you never get a answer back. They never return your calls. They will send letters saying they have sent forms to your doctor and they have not received the form back from the doctor. When I call my doctor they said we never got the form and we asked them to send it to them so that they can fill it out but they never do send it. I had to send them a copy of their statement that shows the overpayment that they took off of my first cheque because apparently on there statement it doesn't show that. I send it twice both times I got a reply saying thank you for your email we have received it. But when you talk to someone there they say they didnt get it.. so I get someone higher than me to send it themselves they finally get it but still waiting weeks later for the reason why for the overpayment taken off my first cheques and what it is for. I have other co workers going through the same issues and hundreds of dollars owed to them.

I applied for short term disability in June 2016 through my employer. The 1st case manager Logan M. lied to me over the phone that my claim was approved and just needed to finish the calculations, and I'd likely to see first payout by next Friday. About 2 weeks went by with me chasing her as to what's going on. After complaining to my employer about lack of response, Logan M. told me that my claim was declined because my employer said I shouldn't have stopped my medication years ago. My specialist doctor told me to wean off it and completely stop it, because there's bad long-term side effects. The wait to see the specialist doctor was months long to get my medication refilled. My employer said that they do not influence any claim decisions at all. I escalated at Great West Life and was assigned a 2nd case manager Sara S. After I got in to see the specialist doctor and was on my medication again, my claim was denied again - Sara S. said to me over the phone that I should have been taking Tylenol and working during the long wait for a specialist doctor. They denied my claim again, on basis that I wasn't severe. I told my family doctor that Great West Life was giving me the run around, she wrote a doctor's note and told me to apply for EI sick benefits. She was right, I had no problem getting my claim for EI sick benefits approved. Great West Life case managers will lie and manipulate your words over the phone. I consulted a disability lawyer because they take cases on contingency basis, he said there wasn't much money left for him to chase. EI sick benefits payments are deducted from short-term disability calculatons, so the crooked insurance company Great West Life won by declining you repeatedly until you give up. Unless you have something that's "definite", like surgery or being in the hospital... anything "subjective" or episodic disability will be repeatedly declined so they wear you down by forcing you to provide all kinds of evidence that you're "severe". Be warned, everything they ask you to get to back up your claim, they're actually using all of that to manipulate it so they build a case against you. Also, I'm in Calgary, they assigned Ontario reps that are off work at 1pm my time... adding to the difficulty of getting a hold of them. There's a reason why they only provide their first name and the first initial of their last names, they're unethical... after one phone call with each of the case managers, I refused to talk to them over the them, requiring everything via email... it helped stop some of their lying and manipulation over the phone with you. I wonder how these case managers sleep at night, they're incentized to decline as many cases as they can, it's how their performance bonus works.

Suffered a major mental breakdown, two stays on a psych ward for suicidal, murderous thoughts...and they denied my claim. Psychiatrist i was seeing got on the phone and yelled at them that i was ill and needed long-term disability (i was in the room and heard the yelling)....long story short, they accepted me.

Yes, there is a reason that any correspondence you receive from them that case workers only use first names and initials when they deal with you.

All about making money and those that need it are rejected garbage.

I have rhuematoid arthritis, have been on LTD almost a month. The claims adjuster I have has the personality of a door knob. She calls and bugs me every 4 to 6 weeks. Even though I have anemia and elevated inflammation levels she still asks me why I cant go back to work? Maybe its because I can't stay awake and have deformed joints etc etc. She scolds me as if I am a child. I feel harassed and not sure what to do. The amount I get is a complete joke each month, too bad my employer chose this joke of a company.