Sun Life Disability Insurance Reviews

I am 63 years old disabled certified by 3 doctors 2 occupational therapists they are offering me assistance to get retraining even if I could attend retraining Ill be retired before I finish and they will only cover a limited amount for tuition. I was dumbfounded when I heard this they are not anyone,s friend they do not tell you this in the Glossy brochures.

Please consider this your warning that if your employer provides you disability benefits from this company. Make sure you get other benefits elsewhere! I became disabled at no fault of my own and this company denied my long-term disability benefits. I fought to get benefits, was approved, to only be denied months later. This company is the scum of the earth and for those people who are unfortunate enough to need these benefits just be warned that they will not pay out those benefits to you when you need them. I hope one day that this company gets what's coming to it. Karma will haunt you Sun Life. For all those who are affected by their mistreatment, know that you are not alone.

I am 27 years old and had an accident, I broke a bone in my leg and needed surgery and needed to be off work in order to be bed rested for 3 months. The company I work for, our insurance is Sun Life. When seeing my doctor, he decided to extend my leave as I would need a month to learn how to walk, drive, go up the stairs etc. I sent all my documents to Sun Life to extend my leave, they decided to decline it and not call me to advise me, it's been over a month now of trying to reach them to get an update and finally they advise that the documents I had sent were not sufficient. Apparently, a letter from the doctor, xrays, physio reports, surgical details were not sufficient. I have to pay $200 for Physio a week and not getting paid is not helping my situation even if the doctors' orders are to be off work to get strong again. I am 27 years old, you really think I enjoy staying in bed in pain?? I'd rather be at work. They are honestly the worst company ever, unreliable and have ZERO compassion for people on sick leave. Not only do I need to stress if I will have a normal life again, I need to stress with calling Sun Life on a weekly basis and pray that I get paid. IT'S DISGUSTING!! I really hope they don't treat clients that have a worse case than me like this. They are just ANIMALS!

LTD benefits were offered through my employer. I almost DIED and Sun Life DENIED the benefits that were part of my benefit package through my employer. They used ONE sentence in ONE medical record that indicated my condition was "improving" (ie, no longer DYING) and they denied me based on that.

My "customer service representative" was a poor excuse for a human being and should be ashamed of herself for treating other human beings like that!

Ended up having to get an attorney to get what I was owed, and they still SUCK! If there is a holiday, they don't prepare in advance and get the checks cut early! Oh no, they wait until AFTER the holidays and just send your check LATE!

They should be shut down!

Filed a short term disability claim in January and my case was approved for two weeks and then all of a sudden it was on suspension. I tore a tendon in my rotator cuff all the way and another halfway. I was not able to work and will need surgery. Well, it's April now and my case is still under review. It is criminal what they are doing. They are more than happy to take in your payments but when it is time to pay out it's delay delay delay hoping you will give up. When I call my case analyst, she is always out of the office and I have to talk to one of her flunkies, who have no answers other than their prepared statements. If you have a choice of insurance companies, do not use this one. Since the company I worked for had this as the only choice, I had no other choice. If there was ever a company that needed a class action, this is it.

I've paid for short term and long term disability for years. I had back surgery in September 2016. It's now nearly March 2017 and I've yet to get paid one penny. They lie and give you the run around. You'll never see a penny of what you thought was going to protect you. It's called fraud and when I get an attorney, maybe I'll get action. Anyone care to join me? We can do a class action!

I'm currently on short-term disability: this company is a nightmare. I had cancer and a subsequent mastectomy; recently had to undergo another very complex surgery that took four times longer than the previous. From the time I woke up in the hospital, Sun Life harassed me with requirements (I was literally all cut up in bed on the phone with them) trying to force me to go back to work early. I had to make phone calls (hard to hold a phone when you're all cut up) and drive to the hospital weeks before my doctor said I should trying to find/get doctors to make repeated phone calls to the Sun Life rep--had to make duplicate doctor appointments to met insurance req--I've been through a couple companies since I've been ill and Sun Life is the worst--my incisions reopened in my abdomen because of them--working on getting better--employers are the only entities that benefit. If you can: STAY AWAY.

Sun life will make it nearly impossible for you to collect on short term or long term disability. They will request medical records Drs notes treatment plans after every visit, and tell you it has to be reviewed. You will be told over and over they need more info. It will be sent but mysteriously they never receive it. My Drs. office has sent the same paperwork requested by them 4 times. nothing never received it. Customer service is a joke. There are no words to say that can express my aggravation with these people. Its like the old cartoon commercial about insurance adjusters. all saying JUST SAY NO. This company is no one you want to deal with

I worked & paid in to their contracted plan for 21 yrs, using it for dental, prescriptions & glasses without any problems. A life changing disease made the Canadian Gov't deem me to be "totally & permanently disabled" & the Canadian gov't granted me CPP Dissability till age 65. Sun Life however refused to pay me LTD after only 2 yrs. Their contract said I was to be paid until age 65....but that is just a scam. I am very grateful to our gov't who approved my CPP Dissability claim. The gov't makes their medical evaluation & makes their decision & pays you a dependable amount each month until age 65. Sun Life is just one giant fraud. Sun Life really should be forced to close down since they never honour their contracts. Sun Life is an unreliable scam. Sun Life is a failure, who will never pay out. They harrass you constantly & close your file throughout your 2 yrs of LTD (causing emotional disstress). The gov't is way better than Sun Life.

Sun Life disability claim process is complex, stressful and intimidating to the point of creating/contributing to further medical and psychological issues. Their tactics are insensitive and in place to turn over claims as fast as possible. After two failed heart surgeries, they literally forced me back to work ( while I was not physically / mentally stable). I complied with condition that they ignored, subsequently various other complications that caused time loss not covered by sick leave. They refused to cover, claiming unrelated issues forcing me to apply new claim, which after 6 months reject. My experience has been extremely stressful, forcing my early retirement