Manulife Disability Insurance Reviews

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?

No contact from my case worker with Manulife. When there was contact, she told me I was not a priority. Told me she was sick and couldn’t deal with my claim. Told me not-enough proof from my specialist to deem me unfit for work. Now there is just 0 contact. This Friday, May 4 will be 5 weeks and no benefits. Companies need to steer well away from this very sketchy company. In short order, my case worker Yana V is petty and unfeeling to the wellbeing of her clients. God help you if u depend on Manulife to help you when you need it most.

It’s been 218 days. No progress has been made at all. The second agent that my case got transferred to say on my file for 63 days and did nothing. Then when I asked what was going on, she told me I had to recollect all records and I had less than a month or she would close the case. Sleep on it for 216 days and then invent a date for me to do their work, and if I don’t finish the impossible task, I lose my claim. The woman working on my file look barely over 18. The lack of life experience... no, the lack of any experience on any level is completely obvious as are all of their completely useless employees. No answer why my file hadn’t been worked on, just flipped around an office with not one person doing anything remotely close to their job.

Manulife tried to make decision on behalf of my doctor. They denied much needed medication that doctor prescribed and tried to push completely different medication on me. Few different reps try to deny it when I called them on it. Have to quote their rejection letter back to them for them to stop saying it is not true. Also Nobody gave me answer to my question what kind of responsibility Manulife willing to take if I started on wrong medication or have no medication at all. However after I keep asking that question I got my case reviewed and right medication has being approved.
If anybody wonders this was special medication that needed special authorisation form (two for Manulife). Medical text book from 1970 said that people with my disability would not live longer than 5 years. Now statistics show people live 20 to 30 years after they being diagnosed and having treatment.
Also medication that Manulife pushed me to take was costing them $24,000 a month and the one my doctor prescribed $3,000. Cannot find logic in their decision.

I was sent a letter indicating I was approved for STD benefits and would be mailed a cheque. It has been 2 months and I still have not received the cheque. My injury was due to a motor vehicle accident which only qualifies for 7 days pay at the rate of 60%. Long-term benefits are not an option for the same reason although I pay a mandatory fee of $50 monthly for these benefits through the Corporation I'm employed. I'm expecting a 3-6 month recovery, so thanks for nothing Manulife. When, not if, I'm in the position to decide who our Corporation uses for a benefit provider, I will make sure it's not Manulife.

I would never recommend Manulife!

1. They throw many obstacles in the way of submitting claims.

Chiropractic and physiotherapy were included in my group benefits. The website said my group claims can be submitted directly once I verify my account. I followed all the steps and it still took more than 15 times and 7 months to be able to process direct claims. I needed to send a screenshot to a Manulife representative to prove I had verified my account and each clinic had to call Manulife multiple times to argue on my behalf.

When I went to the dentist and the front desk verified what was covered by my group benefits before I had dental work done. Manulife rejected the claim from the dentist’s office. I had to suddenly pay over $800 on the spot and then submit online at home and wait a month. The receptionist at the dentist’s office had never seen a claim rejected before, except by Manulife.

I can’t think of any reason why these normal claims have so many barriers! Maybe they’re hoping people won’t jump through all the hoops and it’ll save the company money?

2. When I switched to the individual plan I expected to pay more. That’s normal.

What I did not expect was for common prescription medications not being covered at all. Now I need to pay $300 more every month for meds that would be covered by every other insurance company.

There are many more issues I could talk about, including my Long Term Disability Claim, purposefully confusing and misdirecting letters from the company and more. But, I’ll stop here.

You get the point.

Never pick Manulife for your insurance!

I am currently on disability due to circumstances beyond my control. I have no support where I reside and have been suffering from a severe anxiety disorder, post-traumatic stress disorder, panic attacks, insomnia, depression as well as ADHD. I had a lot of traumatic events occur over the past four years which has led to my conditions escalating to the point that I can't cope with everyday life I isolate myself, I have very little trust in anyone, I have only the support of strangers and my family doctor as well as my psychiatrist. I reached out for help and I have done everything in my power to get better and feel normal again. After reaching the two-year mark for LTD my insurance company has been very difficult, they demand paperwork and phone calls within ridiculous time frames, they pick apart every report and try to find any way to deny ongoing benefits. I am dedicated to my therapy and treatment which was put in place by my psychiatrist and therapist as well as seeing a specialist who all recommend the same course of treatment yet the insurance company is trying to dictate my therapy, they keep stalling and have not been cooperative at all, I have lost so much weight, I have sunken deeper into my illness to the point of having more and more suicidal thoughts. I know I am not mentally strong enough to go back to work or school and believe me I would much rather be doing anything else than dealing with this insurance company who has no regard for my health my family or how their delays are affecting my progress I have taken massive steps backwards because of all of these ridiculous demands. I am now forced to take legal action which is only going to create more stress, anxiety and depression. it is unjust and deeply saddens me that my disabilities are not being taken seriously? How can this be legal? It's a tragedy this is happening to anyone who truly is disabled.

After several years of paying into a Manulife Insurance Plan, I find myself with a medical disability. When I tried to file a claim they tried everything in their power to not pay it out. I have completed medical forms, have had my doctors complete medical forms (I had to pay my doctor to complete the forms because Manulife would not pay the doctor). The caseworkers are very rude and are paid to make sure your claim is rejected. They make you prove over and over again that you are really sick. They ask you so many questions it drives you crazy. They make you feel worthless and do not believe you when you tell them how serious your illness is. You could be dying and they will find every excuse not to pay you. I have wasted over 30 years of paying into my Insurance Plan only to be rejected when I really need it. Case Workers scare you to death until you cannot take it anymore and you finally give up. Way to go Manulife you train your staff well. It makes me wonder what their commission is like when they get paid to reject a claim. Insurance companies love to take your money but do not like to pay it out. So sad Manulife Insurance stealing from the most vulnerable.

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.