Manulife Disability Insurance Reviews

My husband was hit by a drunk driver while standing outside his patrol car on duty as a police officer November 2016. After using up all of his sick time/vacation time through his employer, he applied for his long-term disability through his work as his medical doctor told him he would not be able to return to policing. His right knee, hip and lower back were injured and he was not able to do the duties required of a police officer i.e. run, bend, lift, sit/stand for any length of time, and there are no sole desk jobs at his detachment (we are a tiny community). He applied to Manulife in June 2018, less than a month after he was given his last sick time pay through his work. In September they emailed us to tell us he had applied too late. ??? It took us until December 2018 (with his lawyer involved!) to get them to see their error. What had happened was that my husband's employer had stated to Manulife that he had "X" number of sick days that he used after he was injured. Manulife calculated those sick days from the day his accident happened to when they thought they should end, which was June 2017. Manulife didn't ask about my husband's work or shift schedule or take that into consideration. Those "X" number of sick days were actually drawn out longer because they were actually doubled because of his shift schedule. He would work for 4 shifts then off for 4 shifts, so out of a 16 day period, he would only be using 8 days of sick time to get paid his normal pay when he was working. Manulife didn't take this into account. And even though they were given proof of income up until May 2018 through his work and his Record of Employment, they still used their own calculations. Manulife took it upon themselves to calculate what they thought his last pay from work was, ignoring the actual letters from his employer, Dr, and filed EI paperwork. And because of that, we are currently in a dire straits position as we only have my income currently to support a family of 5, one of my daughters had to forego university to work full time to help me pay the bills and that still isn't enough. Not to mention now they admit that the days were calculated in error (but they have no idea where they came up with that date of June 2017??) and they are now looking into his disability (to see if he is actually disabled!). It's currently 3 weeks before Christmas, I have no gifts for my 3 kids or extended family, all because they screwed up. Not to mention the legal fees we will have to pay unnecessarily due to their error. We got an email from them yesterday stating they want to send him for a third party assessment by an orthopedic surgeon, so God knows how much longer this is going to take. He is still on the waiting list to see a Dr in the city for his back issues (they said it would be up to 18 mos wait). The man was hit by a car. Seven people including other police officers witnessed it. C'mon Manulife!

After being in an accident I messed up my discs. I was on long-term disability then tried to return to work, now I'm off again for 6 months and they haven't paid me my benefits. They lose my paperwork every time or say some other lie. I have a wife and kids who are getting stressed out because I can't help around the house or anything. My back is killing me and my adjuster is causing me to cry uncontrollably. I hate my life and wish I was never born. I read a story about people who have committed suicide because of the stress of their benefits not paying and playing games. It's exactly like the movie Sicko Mike Moore made but in Canada. In 1 case the guy sold everything he had just to survive and ate at the soup kitchen he even sold his TV. They are a huge part of my depression and sickness.

After being on Long Term Disability by Manulife for 2 years, I was cut off abruptly. I appealed and won. They immediately told me I had to apply to CPP disability. I did and won. I thought they would thank me for doing such a great job on providing medical evidence, and paperwork etc. since now their payments to me would decrease substantially. But...no. They went after me with a vengeance to get rid of me for good. They said I had to take a retraining course, and they also listed some jobs I will be able to do after the training. The jobs they listed would not be jobs I could medically do, training or not. I tried to explain to my claims adjustor my concerns, and was told this is not Manulife's concern. I have subsequently been told that I am non-compliant, and my case is closed on a contractual basis, therefore I have no appeal rights. Just like that. Their decision never took into consideration any of my medical history, and my doctor never had a say. Be very cautious with this insurance company. Even if you have a severe, prolonged disability that CPP agrees with, Manulife doesn't care. They will use whatever provision in their policy to get rid of you quickly. As far as I can tell, I have no recourse. Feeling totally helpless in Vancouver.

My wife was put on bed rest for the last 8 weeks of her pregnancy. Manulife instantly denied her claim and told her to get back to work, because they believed she wasn't in a position to take off work. Even with documentation from two doctors and her employer they still denied her. Her doctor filed for review and was told she would have an answer in 2 weeks . 2 weeks passed and my wife received another call from Manulife saying the review would take 2 more weeks because they had more questions for the doctor. My wife is about to give birth! Well played, Manulife, you sneaky low life company.

Tammy E, LTD Case Manager, Wellness, Disability & Life - Why is she working there when her attitude stinks... She called with an attitude and emailed the wrong information then has more attitude when I call and request what I initially asked for... Mind you Great-West Life was perfect until my company changed to this cheap low-grade attitude system.

I expect a company to be diligent in regard to processing claims. But the downright mismanagement of claims is beyond horrible. Good luck finding the "Person" handling your claim, they don't even know who it is. I have been waiting for over three weeks for a mysterious person who has made my decision. Reading these reviews I now know that the person who reviewed my medical on my claims was last employed at Tim Horton's. Not that long ago I happen to be driving by the Manu-death building in Waterloo, yes I have the misfortune of looking at this Crap of a company building, frequently. Right across the street this gentleman was living in his van with a nice big sign, thanking the heartless, moral-less, brainless, people at Manu-Death for ruining his life. That, in a nutshell, describes this company. Just spent that last few hours reading these reviews and am very disappointed in the fact that we have no choice in what company our benefits are from.

Been on LTD for 2 years now, decided to seek out another doctor and support them for better management of my health. Manulife decided to stop payments of my benefits, employees are accountable to the shareholder and really do not care about your health, it's all about numbers, just like banking employees, I am considering legal action, anyone interested?