Sun Life Disability Insurance Reviews

From personal experience, and after reading all of the comments on here and other sites, I have to agree , that Sun Life is a very unprofessional company, to say the least. I have no idea how the employees of this company can live with themselves, when they are affecting people's lives so negatively. So many people who make disability claims have to fight to get it, to prove that they are unwell (even with a ton of medical documentation and support), which does not help them to get better, in any way. This company will drag out your claim, and jerk you around, until you get a lawyer involved. They are essentially bullies. They will take all the time in the world to respond to you (if they even do, at all), yet expect you to get your paperwork in, in a very short time frame. Don't waste your time, going back and forth with them, on your own. If you are declined, and have a legitimate case, get a lawyer, and stand up to them. No matter how dire one's financial situation is, a good lawyer will not take anything up front, so it is well worth getting one. From all the comments I have heard&read, it would be interesting to see if a class action lawsuit would be done...see people band together and show this company that they can't keep getting away with their shady practises. Not only do they decline people, and negatively impact their lives/finances and health, but they keep getting away with it, because they know they can. More people need to stand up for their rights.

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!

Just had my LTD claim denied after going through cancer and having difficulties with my recovery. The claims person who never answers her phone issued a letter stating that "I appear to have some health concerns". Seriously. Do they think that I fabricated the pathology report from PMH which discusses my tumour? This statement is an insulting, graceless, compassionless remark to me and all the cancer patients out there who have dealt with the horror of this disease.
I have to seriously now consider the stress and toll that the appeal process will take on me and because I can't physically return to work they will be probably eliminate me.
I hope Sun Life is proud to treat cancer patients this way and further destroy people's lives. Way to go.

I had no choice but to choose Sun life since my company is tied up with them. I applied for Short Term Disability (STD) in January 2016 due to a mental illness I have (depression and anxiety). Could not work so needed time off, so I applied and submitted to Sun Life. Within 3 days they declined my claim saying it is not a physical injury that prevents me from working and further says I'm claiming money for personal reasons!

Being said, Sun Life thinks mental illness is a joke unless I have a disease or in physical pain. A huge disappointment coming from a large corporation to make this comment. And to think in Canada we raised 25 million dollars to research on the stigma on mental illness and Sun life thinks it's nothing. And to think I'm claiming money for personal reasons??

I spend more than $100 to complete this from only to be denied in 3 days. Worst insurance company ever, and now I have to force myself to return back to work with this illness.

This company is the worst to deal with. I pay for coverage through my employer for short-term disability. I had carpal tunnel surgery in September and am still unable to return to work. My surgeon filled out the paperwork stating no use of the right hand. Not sure what more they need. There is a very high chance of another surgery to try to correct the problem. Now more paperwork needs to be filled out by the doctor. What a run around. They say they will return your call within 24 hours. Another crock. It took my member of parliament calling them for the call to be returned. I have not been denied yet but looks like it is going to go that way. I am trying to find out if there is a way to opt out of paying for this as when it is needed, they don't pay. I have never claimed been unable to work until now. I am not asking to be off for the rest of my life. Just until they fix the problem. I would rather donate my payments. Why should I have to pay for something I can never use? This company is a joke. I realize that they make money by not paying out however it is crooked to take money from people if they can never utilize the services that are supposed to be provided that you pay for. Will be talking to my union to see what steps to take to remove this payment from my pay and put it to anywhere but these crooks

Sun Life is by far the worst company i have dealt with in my entire life. i had a Long term disability and was off work for quite some time . After the countless runarounds they made me go through for paperworks it has been over 1 year and they still have not completed there so called ``investigation``. This caused a major missbalance in my life financially and to top it all off, i was told to get a personal loan from the dedicated representative that was dealing with my claim until the investigation is completed. They made me feel like i committed a crime because i have a condition and was sick and have given me absolutely no inssurance whatsoever . No followup were done , i was the one calling in to get details and to find out what has been done with the investigaton so far. i am still waiting for their response and have had nothing yet. If you are with Sun Life definitely change company. They are garbage.

Thanks

After having a disability with my company the Sun Life agent told me I could carry it on after employment but never explained to me that the coverage changed to something different. I was expected to know their insurance naming scheme and I ended up with critical illness insurance at triple the cost it should have been. Once I was ill and could not work I found out that my 9 years of insurance premiums amounted to nothing and it was just a scam. Do not do business with them.

If you are looking for short term disability coverage, do yourself a favour and look elsewhere. I have submitted medical evidence from my family doctor, my OB as well as my physiotherapist all stating that I cannot work let alone sit/stand for any longer than 10 minutes. Doctors notes, Supplemental forms and chart notes from each and this is STILL not good enough. They take weeks upon weeks just to look at your file, then they request more evidence, then deny you. Customer service is beyond terrible IF you can even get through to your case worker. The only reason I rated them a 1 is because I cant select zero.

I am a Civil Servant with a group policy through Sun Life. I was involved in a high speed MVA (no fault of my own deemed by ICBC) by a driver under the influence who fled the scene. I have a RCMP file number and a lawyer looking into my case.

My injuries are severe including a concussion with very slow progress. I applied in April and my claim was denied in August even though final tests results were not sent to my doctor yet. I have appealed with new information from 2 medical professionals stating my incapacity and I am unable to perform my duties. It has taken until end of June before I even heard back from a Sun Life rep. only because I placed a phone call.

My claim has passed through multiple agents including one of the first agents recording of "this will be approved." The agent has now mysteriously disappeared and my claim has passed through the hands of 4 other agents with another agent being removed from my file and then another agent denying my claim.

I have contacted a manager and will be moving forward to contacting her Director and will keep going upwards including the media in this and involving ministers in this matter.

I have been a civil serv. for over 30 years and have been fortunate enough to never have to utilize the services of Sun Life. I also have a disability which I have managed through the help of my physicians and myself that is not related to this incident. I cannot believe the lack of service and empathy on Sun Lifes part and I am very disgusted with how they handle claims.

I have used all sick benebits available and now have no income. I have now been told it can take 30 days for the appeal process. I have placed a urgent call to this "new" agent and I am waiting to hear back.

If anyone out there is considering a health policy I suggest you may want to look else where than with them. I would not want anyone to have to go through the horrible stress that I am going through with this company. I had no choice to use them as that is who the Federal Government uses.

Denied my LTD based on ONE sentence in my 1,000 page medical record, and the sentence the chose was used COMPLETELY out of context. They manipulate the information you give them (IF they admit that they received it). My "agent" had ZERO personality and was WRETCHED to deal with.

Ultimately had to hire an attorney to get the monies owed to me. During holidays they don't plan ahead and send checks early. Oh no no! They just allow payments to be late and then blame it on the "holiday delay". Awful!! They should be forced out of business!