Manulife Disability Insurance Reviews

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.

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.

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.

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?

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 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!