Manulife Disability Insurance Reviews

Applied for short term disability due to anxiety from work. I received a phone call from a Manulife rep and she asked me questions if I was ready to go back to work. I said no as my doctor said I was not ready yet. She then said I needed to have another form filled out to extend my benefits from the doctor. She then said you have to go back to work on a certain date. Which was a week later which did not give me time to talk to my doctor, so I had to tell her I couldn't go to work before seeing my doctor. They did not send me the form and I had to ask twice before I got it. I have been taking medication and it had horrible side effects for me so I could not take them, she says oh come on it's not that bad and was very rude. She then says did you go on vacation and I said no as I have not, and then she says I find that hard to believe. Where do they get off for being so rude and what gives them a right to decide that I am well enough to goto work. Long story short got the form filled out and sent it in. Received an email back saying we will decided if your STD will be extended.

Worst insurance company ever! People don't sign up with them or you will go through the worst service and they will literally steal your money from your bank without your consent! I've signed paperwork of my cancellation with them on June 12th which has been supposedly sent for processing the same day as what their agent has said, and it would take 8 to 10 business days for it to fully go through. They have deducted money out of my bank July 4th without my consent after I have cancelled with them! When I phoned them they tell me I sent in the paperwork of my cancellation on June 30th which isn't true. I showed them the emails of the paperwork sent June 12th with their agent through email and he said he sent in the form the same day on the 12th. They are liars and point fingers at you for being at fault when they have a lack of communication and liars within their company! A different representative I spoke with about this issue to send me back my money in my bank as soon as possible as i didn't expect it withdrawn and it had caused me issues with my budget. I'm on a tight budget as I am off work due to illness and going to surgery within the 10 days. She wouldn't help or get me a supervisor but instead she gives me the worst treatment and hangs up the phone on me! Ive escalated the problem to their head office on July 10th and it's currently July 12th and still haven't received my money or heard back from them. They are thief's, liars, and thugs! Don't sign up with them or you will go through lots of problems no body needs to go through.

Boy oh boy where do I start?! Manulife is SADLY the insurance company my employer goes through, and let me tell you, I would rather suffer than to ever go through anything with these people!
I haven't been very fortunate with my health these past few years, so Ive had to go on 2 short term leaves due to my illness. Again, SADLY I had to go through Manulife in order to basically get paid for the time Im seeking medical treatments. Both times they denied my claim when they had every single proof & medical documentation from specialists explaining my symptoms in detail, the cause of it and the length of time needed to recover. Both times they asked me to sign a form that gives them full authority to gather any medical information needed from my doctor, yet they never contacted them. When asked why, they said "we can, but any medical documents they provide to us, YOU ARE RESPONSIBLE FOR THE COST". After providing everything they asked for, the "case manager" who claims to have a medical background, decides whether you are actually ILL ENOUGH to be supported through their garbage insurance, or unsupported. Basically at this point they think they are medical professionals, and make the decision based on "evidence" and "proof". So all the money you spend getting these documents for them, all the unbearable pain you are going through with your illness, cost of medication, different doctors & specialists you see, doesn't even matter... because at the end of the day, these case managers will make a decision based on what THEY really think your illness is, not what the doctor says or what sort of treatments you are seeking. The worst part is, they pretend like they REALLY care about the individual by following up regularly which almost feels like harassment. I mean how many times during the week do you have to call or email and say "Just contacting you to follow up and see how you're doing" .. oh please.. you just want this to be over with and send me back to work when you know fully how ill I am. These people have absolutely no compassion, no empathy, no consideration for your well being. If you have the privilege of NOT dealing with this company, please find another place to deal with. They have caused nothing but anxiety & stress for myself and other co workers who had the misfortune of dealing with them. I am now off of work, unsupported, which means ABSOLUTELY no pay until I am fully back to work, (yet they still call/email weekly to follow up and see "how i'm doing" and when i'm going back to work) financially in a hole, and mentally exhausted. Its only a matter of time before more people speak up about this. Something needs to be done!

with full medical through ManuLife . illness left me unable to work, letters from heart specialist, doctor, respiratory specialist and unknown kidney function and blood pressure, I am only 33 and 10 years in a management position. Manulife refused benefits immediately. Appeal process refused and now 2 years later a lawyer (who used to work for Manulife) has gotten it to the arbitration stage. He knows their mandate is to refuse legitimate claims because sick people cannot go through the hoops and they hope to drop them along the way. I have lost my income, unable to work, gone on welfare, and am homeless now. When it goes to arbitration, and not to court, there will be no public record or statistics as to their refusals. 2 years and still waiting to hear, has destroyed my overall health and career.

Was an RN working with teens in psych
-after filling out all required paperwork, I submitted before my mandatory disability ran out with the understanding that I would have piece of mind and begin picking up the pieces.
-a letter comes back a week after LTD deposit expected
-meet with your case worker over the phone (lets call her Poozan F.)
-First, the woman is on VACATION for a week
-I get her on the phone, she appears to be doing 5 other things while half listening to me on speaker phone
-I give her the same information my doctor and I had filled out.
-Another week passes, this woman calls me and starts asking me additional questions, to which I answer...no problem.
-this woman sends...get this...medical review to be assessed by a psychiatrist...addresses it to my gp
-I was never emailed these forms, doc had to copy for me
-because I am now weeks without an income, my anxiety increases, I have to borrow from all over, credit ruined, motorcycle on the way out
-I make a plea to Poozan's manager, who is equally useless, says they need my GP to fill out psych-specific paperwork for my claim
- I have a nervous breakdown, vomit, headache, catatonically depressed for 2 days
-my psych doctor doesn't fill the paperwork because it's not adressed to him
-Finally convince my gp to help me fill the paperwork, much to her frustration and we send it ALL
-Ive not had an income for a month and a half at this point, and resorted to pleading with these corporate, soulless, automatons
-"we understand your frustration{because it is our job to}, but we can't do anything about it {because our job is to make money - not concern ourselves with human impact}
-I can no longer pay for my antidepressants
-two weeks go by not hearing a damn thing
-call the manager, who tells me something about rush being put on it {if that is rush in 2016, we are in trouble] and says her underling Poozan will fill me in tomorrow
-CLAIM denied?
-Why? Because we actually sent your psych doc the paperwork, but because we failed to notify you, there was no reason for a doc who sees hundreds of patients a week to fill out forms without context.
-Why? because after sending your entire medical chart to us, there was a mention of past use of marijuana, Poozan kept asking me if it was addiction, and I said no, I am abstinent cause Im BROKE
-that didn't stop addiction being reason number two
-so Poozan gave me her corporate script after I yet again tried to deliver some human context in their system of manufactured delay
-surely I couldn't be the only one?

Apparently Manulife, Sun Life, DesJardin or any insurance company that has a high end solidified deal with a large corporation has no incentive to please it's individual members, and being a business, manufactured delay is more money quarterly, creates more time for more reasons for claims to be denied, and when all of this fails, evidenced instances of folk not getting what they are entitled to by appeal 3.

- my nursing flame has all but been extinguished by first the americanization of our beloved health system, second by an ambitious wolf paid to guard the veteran sheep of the unit, and an insurance company that delays you into ruined credit, loss of possessions, or in my case, having to move to a cheaper unit.

Manulife MANUFACTURES delay, to make YOU do all the paperwork and put together the appointments, because the creatures that work there earn their bonuses of the BACKS of nurses, who had no choice in which coverage their hospital subscribes to.

Manulife employees, you are the scourge of the earth and the opposite of what humanity is as understood in the art of nursing. May you never need to ironically use your own services in a time of need.

-with the last of my nursing flame, my best advice is to keep yourself healthy, and never subject yourself to this system unless absolutely necessary.

peace

My daughter started a new job with a company whose benefit plan is provided by Manulife. During her first 3-month probation period she visited her doctor and received a prescription for anxiety. Six months after she started her job she required hospital care for a mental health disorder. Since she visited her doctor and received a prescription drug during her first 3 months of employment, Manulife denied her long-term disability benefits due to her having a "pre-existing condition". She lost 9 months of disability benefits. Manulife self-promotes itself as supporting mental health initiatives at the same time that they deny benefits to mental health patients. Public, corporate image is more important to Manulife than supporting its clients with the benefits that their clients' premiums are paying for. It would likely follow that if a cancer patient started a new job with a company whose benefit plan was provided by Manulife, they would have to stop their cancer treatments for their first 3 months of employment or they too would be deemed to have a "pre-existing condition" that would negate long-term disability benefits if the cancer required extensive hospital care. Manulife focuses on their profits first and caring about their clients last.

DO NOT CHOOSE MANULIFE INSURANCE FOR ANYTHING!! They are snakes! They don't care if you have doctors notes and proof indicating that you are disabled. THEY WILL DO AND SAY ANYTHING TO MAKE SURE YOU DON'T RECEIVE MONEY OWED. I Am in the middle of an appeal for short term disability benefits and have been through hell trying to get my benefits. my doctor has sent them more then 3 notes stating i am unable to work and their case workers (who are apparently doctors too???) keep overruling my doctors decision and are trying to tell med that I am able to work. I Am in a cast and sling and cant even tie my own shoes yet they are saying i am able to operate a crane. worst company ive ever had to deal with.

If I could give zero stars I would. I have never been treated so disrespectfully in my life. And what I have heard from others, they treat everyone as if they lying, including the medical professionals. In my situation, specialists and my doctor have sent in their diagnosis reports and manulife is still questioning them. Even my license has been suspended for medical reasons with the info provided by the medical professionals. The MTO respects the medical professionals diagnosis as enough evidence to make a decision but Manulife doesn't. Manulife is is apparently above the medical professionals and does not trust them to make a diagnosis. I have feel like are just trying to catch one small thing and delay the process even more and deny it. It's not the roof over their head and they obviously don't care about mine.

My fiance has a policy through her work. Last year she had hernia surgery because of her job. Her claim took a long time to process Manulife "didn't receive" the forms that were faxed/emailed to them even though there were confirmations of the forms being sent 2 or 3 times. After her surgery and some healing time, she was forced back to work to early. Her surgeon's and general practitioner's reports stated she was not ready to return to work. Manulife's docotor (who only read reports) overrode these reports stating he saw no reason for her to be off work so Manulife cut her benefits. As a result of all this, not even a year later she is once again off work and looking forward to another surgery for a repeated tare and additional tares to the same spot. As mentioned by others on this site, Manulife is not interested in their customers wellbeing. They are only interested in taking your money and paying out as little as possible. Bottom line: If you have a choice, look elsewhere. The only way you'll be happy with this company is if you never have to file a claim.