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.

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.

I submitted a claim for short term disability due to excessive stress at work that has been accumulating for over 4 years. I was reluctant to even take some time off because I felt guilty for feeling the way I felt, having anxiety attacks and insomnia. When an agent contacted me to review my file, not only did she make me feel even more guilty, she was condescending repeating that it's also very busy where she worked. I understand that they need to verify every claim but the lack of empathy is outstanding. I've been making progress with my therapist and now, I'm having anxiety attacks again because I'm back to thinking that there is something wrong with me for not being top shape emotionally.

I got hit by a car and fractured 2 vertebrae in my spine. Doctor said it takes 3 months to heal and do not suggesting sitting longer than 30 mins at a time. Manulife forced me to gradually return to work 4 hrs a day or they will stop paying out and deny the rest of the claim? I hired a lawyer to resolve this. Fingers crossed.

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.

This insurance company is absolutely brutal. I hope somebody reads this and decides to think twice about dealing with them. Customer service is very unhelpful and rude, and barely answers the questions you're asking. They definitely do just about anything they can to reject your claim.
Shame on you guys!

A hassle from start to finish. I checked off all the right boxes for my insurance and trusted Manulife. Became disabled and it took 18 months, so much time and effort, three specialists for them to finally approve my claim. Then after paying it for a few years they cut it off because they said they neglected to take out the premiums in the first place. I have aged 20 years in the last 3 years of dealing with the company. They have made a terrible situation so much worse for me, and their reps, Mary L. and Kabir, were not helpful at all and had to be walked through the file on each phone call.

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.