Manulife Disability Insurance Reviews

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.

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.

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.