Manulife Disability Insurance Reviews

Wow, the negative comments are amazing. No disrespect intended, but all of you saying 3 or 4 weeks and still no cheque have clearly not read your policy. LTD has a 4 month waiting period and you are not paid for it, as does CPP. Manulife LTD pays up to 2yrs (depending on the policy your employer chose) CPP pays till your 65. I was injured 13 months ago and am still disabled. I have nothing but great things to say about my worker and Manulife. My employer sent in to start a claim and told me what to do... First month I drew all of my sick time I had accumulated, while I was doing that I applied for EI sick benefits. That pays for 17 weeks. By the time that was done, all my Xrays, specialist reports and your doctor's chart notes had been received, reviewed and approved. I'm hoping to be back to work in the next couple of months and they are going to help with rehabilitation and ease me back to work. Taking a negative attitude brings negative results and the workers and reps don't make the policy. We have to meet the guidelines for the policy our employers choose. A friend got injured and found out her policy at work doesn't cover short-term or long-term disability. I'm grateful mine did.

I am rather surprised to see so many negative reviews actually. When I sustained a head injury outside of work 2 yrs ago my Dr completed all of the required paperwork and so did I. My short term disability was approved with some rules and guidelines of course. I kept all of my Dr appts, and did everything they required me to do. When it was coming close to my short term running out, my case manager explained the process to move on to long term disability. Again my Dr and myself completed the required paperwork and I was approved. My case manager is a terrific lady who genuinely wants to help me get back on track and back to my job. That being said, she is also looking at retraining options if I am unable to return to my job, which I love by the way. My long term doesn't come to its end or decision time for another 7 or 8 months and already we are looking at my options. Also, I called them for some general info about my benefits coverage just 2 days ago and the lady who answered the phone was polite. Friendly, professional, and very helpful. Great customer service. I have no complaints at all. Thank you Manulife.
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