Disability Insurance Reviews

Manulife Disability Insurance Reviews

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(65 reviews)
Manulife
1.4 out of 5 stars:
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Claim experience

by Sicko on Dec 3, 2018
1 out of 5 stars

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.

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Sneaky insurance company

by Smiley1 on Sep 27, 2018
1 out of 5 stars

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.

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Terrible

by Brad Forbes on Aug 21, 2018
1 out of 5 stars

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.

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Rude and poor service

by Not impressed on Aug 2, 2018
1 out of 5 stars

Tammy E, LTD Case Manager, Wellness, Disability & Life - Why is she working there when her attitude stinks... She called with an attitude and emailed the wrong information then has more attitude when I call and request what I initially asked for... Mind you Great-West Life was perfect until my company changed to this cheap low-grade attitude system.

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Why the negative reviews!

by lorigonzalez on Jul 25, 2018
5 out of 5 stars

I've been reading the negative reviews on here and it's funny because all of them have all of the info stating how the person did everything right and Manulife did everything wrong. I'm pretty sure if we were to look into each of these claims, we would find fault on the client's side too. I was on short-term, now long-term. I was off for a headache and Manulife supported me because my case worker was really smart enough to find something is not right - just a headache? I couldn't understand either, why was my headache so bad. But I knew this wasn't enough, so I said I'm going back to work. Manulife caseworker said no, let's wait until after the test results. 3.5 weeks later, I find out after testing that I have a brain tumour. I have 2 kids, one with special needs. I don't have long, the tumour is terminal and my wife is freaking out. My caseworker called me after getting my medical and she was sobbing talking to me and I felt she really felt for me. Two weeks later, she called and my wife answered and caseworker asked my wife how SHE and the kids were doing. My wife never talked to her before but was so grateful she asked. See? The caseworker didn't know I had a tumour but based on what she had, she had a feeling something was not right and was thoughtful and caring. Let me tell you, before this, I never had a claim. My coworker was on a claim and we thought he was very sick, we sent him baskets and cards. Found out he was working at another job (VERY SIMILAR JOB) the whole time, went to vacation in Costa Rica and was para-sailing and what not. Oh, I thought you couldn't do "anything" because you were sick like you told us. I had to do extra work because of him for 3 months WITH MY HEADACHE before going on claim myself. The whole time I had a tumour, working extra for someone scamming the system. You think the companies are stupid? Of course, they are going to look at all of the information - especially because of people who scam. Look at your coworkers and people who take advantage too. All of you who think you cannot work because of something minor, or because you have a problem with your coworker, think again - you can work, you choose not to. You are no disabled, you are trying to take advantage then blaming oh the big insurance company. What insurance company has mostly positive reviews? How many people would post a positive review more than negative? For those of you who have a real claim, but got declined, don't get frustrated. Try to figure out what is going on and work with your doctor. You tell your doctor something then he writes it down - that is not medical. That is your journal. Think about that.

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Review topics

LONG TERM DISABILITY

by Tim on Jul 18, 2018
5 out of 5 stars

I have now been on LTD for over 2 years via my employer group program, during which Manulife have been supportive and efficient. My case manager (Michelle G.) is easily accessible, friendly, knowledgeable and helpful. I have been careful to ensure that I cooperate and comply with my Doctors, employers and Manulife's requirements, and maintain good communications with all, to try and avoid any problems. So far, so good - Manulife have helped me through a very difficult time.

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Beyond BAD!

by Hopeless Annie on May 24, 2018
1 out of 5 stars

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.

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GROUP INSURANCE

by billyd on May 5, 2018
1 out of 5 stars

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?

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Customer service

by Out of luck on Apr 29, 2018
1 out of 5 stars

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.

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3 Women, zero results.

by OverIt on Mar 30, 2018
1 out of 5 stars

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.

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