Manulife Disability Insurance Reviews

Worst company to deal with- if you’ve got 4 months to spare with no income coming in, waiting for Manulife to sort out your case manager that ends up on his own leave of absence and they decide it’s not important to get back to his case files— this is the company for you! I got the pleasure of being transferred to a case manager after 1.5 months of being off to representative who was constantly on vacation and now 4 months later to get a response saying because I’ve chosen to take a holistic approach to my health and not pump my body with pharmaceutical drugs, as they want me to- I am now declined for short term disability. This company is a joke, quick to take their money but when you need to rely on what YOU pay for, they take their sweet time just to decline you. Your website states you’ve stream lined the process to have quicker responses - that’s another lie. News flash, there’s other ways of healing your body other than drugs- oddly enough my own doctor won’t prescribe me anything because he also doesn’t believe everything needs a drug! Get with the times you joke of a company!

Very discriminating against mental health client. Refuse to see the true cause of anxiety and depression resulting in drug abuse. Only focused on addiction. The doctor feels returning to work would be detrimental to the treatment of mental health yet Manulife will not consider that. All they care about is not paying benefits. They truly do not care about clients mental health treatment and recovery. They stop paying benefits as soon as they find a loophole. Which only results in the client feeling worse about themselves because now they can’t work and have no benefits coming in to pay their bills and buy clothes and food for their children. Absolutely disgusting. Every interaction with the caseworker results in client being more depressed. When the client informs caseworker of increased depression and thoughts of suicide, caseworker responds by saying he will phone the police and have the client taken away from his family! How is that going to help anyone? Manulife just wants to make huge profits not help their clients who pay outrageous fees! Their customer care is repulsive!

I've been on STD since February through my employer. Manulife consistently makes me jump through hoops in order to pay me, constantly requesting additional paperwork from all of my health care providers. My case manager is incredibly unreliable, never answers my emails, and never contacts me when they say they will. I've had to phone them numerous times to be updated with information, meanwhile, I'm behind on Bill's, have absolutely no food, and can't refill my medication. Mental health leave of absence is supposed to allow someone time to heal with adequate assistance for their wellbeing. This has been the total opposite in that being on leave is more stressful than working would've been.

I have been in contact with manual life in regards to my maternity for the past month and a half. There have been sometimes I get a manual life employee that is polite but the past few times I have had to be in contact the service is absolutely awful. They do not know their claims process, what a top up is. Tried to put words in my mouth saying I knew more than any of the manual life employees when I, in fact, advise the lady that if she works for manual life you should be a way of the coverage that you offer. She then proceeded to transfer me twice to voice mails. I am due in two weeks, and have been terribly mistreated and spoken to on the phone with these manual people and am incredibly disappointed. I wish I had the ability to change my coverage as they lack communication skills and are ignorant of their own procedures on how to process a claim or what steps need to be taken.

I fractured my ankle and went on short term disability for a month. After asking a simple question about whether or not I was entitled to physiotherapy recommended by the surgeon, under short term disability, the case manager avoided my question and went off topic, minimizing the severity of pain I was feeling. The case manager then deferred to the group benefits department. The group benefits department lied to me by omission. They said I wasn't covered for my physio past the $200 a year, but failed to mention I could carry over the amounts into my healthcare spending account the next year. I only found out this information from my employer. The case managers are not true managers in the sense of the word. They just parrot a script. I'd have a better time speaking with a chatbot. At least chatbots have an excuse for being soulless.

My husband had a form of dementia, anyone who has lived with someone with any type will understand, this past year many changes took place, between working a high-pressure full-time job, looking after the home full time, looking after an adult child full time, many mistakes needing to be fixed due to the disease, the death of a family dog due to a dementia accident caused me to get sick, my first encounter was I don't qualify because "I'm just a caregiver". Even though I was sick due to this, stress is a leading cause of many major illnesses, 1 out of 4 caregivers die before the one they caregiver for, but " I'm just a caregiver". Within the month of being off, my husband was out riding his peddle bike and was hit by a semi, he actually walked out of the hospital 4 hours later, very bruised and hurt, still don't know if it's because his dementia caused this, we will never know, it was remarkable, his depression and the disease itself which was taking a huge toll on the family and more so him, he took his own life the very next day, I found him hanging. Manulife continued to decline and actually said to me" why do you think finding your husband hanging, would stress you out", I couldn't believe it, I provided medical information showing the depression that I am in, and they say - "you can appeal, they decline you again". Apparently, anyone dealing with what I'm dealing with, shouldn't be depressed or stressed out by this. I plan on taking my story very public, as this truly is a no brainer, police reports, coroner reports and medical reports aren't good enough. Manulife isn't about getting the person better so that when you go back to work, you don't go off again, they are about not paying, the sad truth is this company bullies people, try to intimate people to not pay, my promise to Manulife is, I'm going to fight for others, so when a dramatic thing happens to someone else, they don't go through the same hell I have been going thru.

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.