Sun Life Disability Insurance Reviews

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 found out at the end of January 2016 that I needed surgery. I began the process of starting a claim about a month before I actually stopped working. My case was a bit complicated because I need 2 surgeries, and at the time I submitted the paperwork the second surgery date was unknown. I submitted the paperwork before my surgery on March 23rd, got the forms filled out by my doctors, and thought everything was fine. I called multiple times, was told my claim was approved, and it was fine. When I was supposed to start getting paid, I never got a check. I called them - turns out they were missing a form, that no one had ever told me about. I get the form worked out and submit it, and call them a few days later.... only to find out that there was ANOTHER form missing. They kept telling me that I needed to talk to my claims manager Tanya, but she never seemed to be in the office - we're convinced she doesn't exist. The 6th of 7th time I called, I was informed that I had TWO claims - one for short term disability, which has been approved, and one for state. "State?" I asked them. Turns out they were missing forms for that as well, that no one had decided to tell me about the other SIX OR SEVEN TIMES I HAD CALLED. You would think that if they were missing a form, they would call you to ask about it; nope. Sun Life is deducting $170 from my checks every week for this state disability, and to date I have not received any of that money, even though the state claim has been approved at this point. Back to the short term disability; I have been getting checks the last two weeks, so I was lulled into thinking everything was okay. I still have not gotten my state money... but I thought I was okay on the short term side. My second surgery is tomorrow, so I started the process to extend my leave. After FINALLY getting ahold of Tanya, she assured me that all she needs to do is call my doctors office tomorrow after my surgery to find out how much longer I'll be out. She said that she would just extend my leave to whatever the doctor says - we'll see tomorrow if that happens. I received a check today that showed me 2 things. First, the amount is off by $100. Second, they are showing my leave as suspended. I also was given a claim number for my state disability - I looked up that claim, and it shows a check that I never received, and that I have already returned to work.

Long story short, AVOID THIS COMPANY AT ALL COSTS. They jerk you around and absolutely do not care about your wellbeing. They lie to you and say they have everything they need, just to retract that statement the next time you call. You will never get what you're owed if you go through this company, so save yourself the trouble and STAY AWAY.

This company should be investigated! I was offered an office disability insurance policy through them. When the time came that I needed them, I found out real quick just what scammers they were. Everytime you had given the information they requested more and more to the point they would ask for something and I would call my consultant and tell her that had already been sent and after a couple of seconds of stumbling over her words she would acknowledge that indeed it had been received but they needed more! This went on for three months, only to be denied! They are completely unethical, unprofessional, and uncaring!!! They are not there to help you, they are there to make sure at the end of the process you are broke and have means to appeal their decision!! They are fully aware that by the time most of these claims are filed the person filing them has most times been terminated or quit their job due to the medical illness they are filing the claim for. They never intend to pay the claim and they continue to receive the monthly premiums from the former employer who doesn't care if your approved or denied and it's a win-win situation! I honestly can't say enough bad things about this company! If you are ever offered this insurance, do yourself a favor and take out your own personal policy through a reputable insurance company! They are in the business of making money PERIOD!!! They look for anything and everything to deny your claim! I hope they can live with themselves, because I have read review after review after review that experienced the exact same treatment I did and they have left a trail of REAL PEOPLE WITH REAL PROBLEMS reeling and broke!!

Someone should do an investigation with this company for fraud. I had them for over 20 years and after i found out i was diagnosed with a kidney problem in July 2015 they sent me a letter saying i lied and knew about the kidney disease. My dr. Performed the regular tests due to my blood pressure as a precaution and never once did we ever talk about a kidney problem. Sadly we have them as a group insurance with our employer and everyone is very disappointed with the service and the fustration of family members who become ill and have to deal with a company who cant even have the compassion to deal with ill individuals. Leave before its too late you dont want to deal with these people when you are sick.

I have a group insurance plan through my employer. I have been diagnosed with cancer since 2009. My condition has deteriorated since then requiring me to purchase a hospital bed. I have coverage up to $4000.00 for this item. When I filed a claim, they denied it stating they needed more information. I had given them a doctors note and an estimate. They denied the doctors note. I got another note from my doctor costing $40.00. I sent it in via priority post. Sun life received this the next business day. I was told it takes 7 business days to process. They denied it again because they didn't like the receipt. Maybe it was the colour of the paper or the staple I used; I don't know. I've sent another receipt. This time it was handwritten. Then I'm told it will take 7-9 business days to process. I've yet to see the outcome. They have a neat little requirement that you must complete before honouring (I use that term lightly) their obligation; You must pay for the bed yourself in advance. Anyone knows people on disability insurance don't make much money and can't afford to do this. So, if you can't pay up front they will not pay what they owe. Convenient isn't it? Why couldn't they have told me at first everything they needed; in detail. Nope. They strung me around for one and a half months hoping I would throw my arms up in exasperation and walk away. Not going to happen. If this last receipt is denied I will contact my lawyer and have him settle it. Be vary wary of this insurance company. You have to fight tooth and nail to get them to live up to their obligations. I would not recommend this company for anything. Do not trust them to have your best interests at heart.

I paid into Sun Life long term disability for decades. Unfortunately I developed a long term illness putting me off work for over a year. I was denied my claim twice. The case worker twisted the medical facts from my Doctors to gaslight me. I retained a disability lawyer who sued for breach of contract and obtained what Sun Life should have honoured in the first instance. I have since had surgery which is looking to have been very successful and hopefully I'll be back to full health shortly. The stress I experienced in fighting to get the coverage I paid for was far worse than what I had dealing with my illness. Sun Life will take your money but they will not be there when you need them.

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