Manulife Disability Insurance Reviews

I have 4 years of negative experience with them! I did not choose this insurance company, my employer did. You have to leave several emails & voice mails before anyone will get back to you. I think their "Medical Consultant" is a Veterinarian , no offense to vets! I have an invisible disability which is certainly invisible to them. My symptoms are chronic and their answer is suck it up & keep going. All they care about is money & not their customers.

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.

They just don't want to pay STD even though I'm not feeling well and tons of Doctors Notes and specialist... They are the worst.. Manulife sucks!!!

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.

When my short term disability ran out with another company
My longterm took over and they go by the name Manudeath
In my home!
Paid me 7 days longterm and have submitted countless reports
Doctors, specialists all in my defense
Coming up on 15 months of running thru there torture chamber
And still nothing they are killing me now
Can't afford prescriptions or replacement parts for medical aid machine
This cabal of non human entities need to be deported out of the
Country
Or better yet off planet!
They are aliens afterall

Don't expect them to give value for the money. Nor expect them to be truthful - they say one thing and them deliver another. Also their customer service personnel either don't know anything or they are just playing dumb - stalling you hoping you'll give up and stop trying. Sold the stock - telling every body about how shitty Manulife really is.

My doctor wanted me off work for 4 weeks. Their reasoning was caused by work but not serious enough even though I could not function. I will never have their coverage again. Don’t waste your money I paid into coverage for ten years and never used it. When I needed it they didn’t help things only made it worse. Talking to the case worker that I had was awful! Judy never listened. All I can say is run...

I was denied for STD from Manulife for mental health reasons. All supporting documents were provided, from psychologist and family doctor. They straight up lied on the reasons they provided for a denial. Saying it wasn't deemed severe enough. I was deemed very high risk by my doctor. That should have been a no brainer for any insurance company. Manulife denied it again and the appeal. Talking to my doctor, he said every time they have to deal with Manulife, they have nothing but problems. They said they are the absolute worst company to have to deal with. They failed to return any phone calls my doctor made to them. Refused to return my phone calls or even tell me the conclusion of their assessment of my case. It's simple, they provide the cheapest rates and deny as much as they possibly can. There is no customer service.

I got a severe ear issue as my work profile is to take 30-40 calls a day and I work in the sales environment. I got tinnitus, which is a ringing sound on an ear, and I also got sensorineural hearing loss, high pitch distorted sound. I submitted an STD claim in 2017 for 2 weeks was approved but then the symptoms happened again in 2018 October. Right from day 1 STD case manager wanted to reject this claim as I could feel from her behaviour. She also said she doesn't think I have a severe condition that I can't work. She took an interview over the phone than asked for docs forms, again she asked for proof of docs. Finally, after submitting everything, she went specifically for a medical consultant to review the claim. And guess what? It's REJECTED... after freaking 2 months... she didn't guide me neither told me anything as for how to process this claim whatsoever. I am in such a big financial stress right now that I can't even work properly. One side is my ear issue, which causes me a headache, as well as another side, this financial stress, I don't know how I am motivating myself. I won't spare this company though, please spread this word. Let's finish this fraudster company existence.