Sun Life Disability Insurance Reviews

The only reason I gave them a 1 is because I can't give them ZERO. It is going on two months since my claim was made to this company. They have done nothing but give me the run around. You send the info they request for them to say yes it's received and being reviewed. You don't hear back from them and you are then told oh no. We never received the info. This is needed to review your claim. I have been dealing with this for almost 2 months after severe injuries sustained in a head on collision. I know have had to involve a lawyer to assist me in getting my claim resolved. This has not only drained me emotionally, but my family. It is hard enough recovering from injuries without having to deal with a company who is not interested in resolving your claim. This has been a nightmare. I never would recommend this company for any insurance purposes.

I have been dealing with this insurance company through my own company and I have to say that their company culture is highly problematic. I went on long-term disability and I had issues regarding both drugs and disability.

Now, while complaints and issues happen with all insurances, the problem with Sun Life Financial is the way they do things. Not only do they seem to attract incompetent people ( 3/3 never returned calls/ e-mails over the course of weeks), they won't let you change whoever is assigned to your case, effectively stonewalling you in case things go bad.

For example, I was refused to be insured for a drug because it had the wrong code (never mind the fact that it was a refill of a drug that had been insured the other time). When I escalated this situation to the supervisor, I was told they would find the right code with the pharmacy. 6 weeks, 5 calls later, that supervisor, Mrs. X, is absolutely unreachable. Worst, whenever I called to ask to get in touch with Mrs. X's colleague or boss through the customer service, I was told it would be done before being transferred to Mrs. X's voicemail.

In the end, Mrs.X seemed to not appreciate my behavior of searching for a resolution as she called back and said there was nothing to do.

I've written enough for a review, but I have a similar experience with the disability department, letting me know that it's a company wide problem, not just a single person problem.

Word of advice: Avoid like the plague.

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!

I had a long term disability policy and paid for 15 years. When I became ill long term, my employer had me file a claim. I DO NOT have one good word to say for this company!!! They totally manipulate the situation to their advantage, trying to find a loophole that prevents them from paying $$$ out to their clients. Steer clear of this company. They are a RIPOFF!!!

They don't cover ANYTHING that is actually REQUIRED to survive (literally!) The worst benefits coverage ever! I am unfortunately on LTD, and pay my OWN premium every month, and still they deny most of everything that I require to LIVE. I have to pay it out of pocket. My income has already been cut in half, then I pay out of pocket for my premium, then I pay for SO MUCH of what is needed to survive, out of pocket, while trying to raise a young family! Their benefits are absolute garbage, and would never recommend them to ANYONE needing insurance. Their customer service is terrible too.

Stay as far, far away from this scam insurance company as you can..
DO NOT BELIEVE any of the other positive posts anywhere about this company, they are all fake and probably padded by the workers themselves.

They take your money and provide you with NOTHING! not even a call back and totally ignore you if you file a claim, contracts mean nothing to these crooks, to this date I have 4 so called "senior caseworkers" on my case over 3 months and NONE of them answer their phones nor return calls, EVER!

They constantly want more information from your doctor, then challenge your doctor's prescriptions, challenge your surgeon's surgery results, challenge your physiotherapist results, even challenge your cardiologist findings, everything and anything just to delay then deny your claim, these people are scum and treat you without respect like dirt, they are pre programed to NOT pay out your claim.

DON'T BUY THEIR WORTHLESS POLICIES!..
You WILL be so sorry later if you do.

Wow! Somehow these crooks are legally operating here in Canada. My little sister was severely damaged in a car accident... Been off work for a year and a half... She had asked to see a concussion specialist... For her concussion... But was DENIED the help she needed... Was then referred to a specialist through Sun Life... Who then wrote lies on her medical charts which then forced her back to work.... Where she sat in a dark corner hiding from the harsh lights and sounds... Finally was sent home and then this company... Whom she's paid in thousands for years... Cuts her benefits, so she's now unable to have a Christmas, care for her baby... It's sick! This company is criminal

I want to start by saying... How is my car dealership, my car insurance company & my local garage, all together, are offering me better customer service & show me much more value than my own life insurance service??? I strongly believe that my own life costs more than my car but now I am questioning myself... Can my car be more valuable than me? I am getting such a poor experience with Sun Life that I am starting to believe that my life must not mean a thing to them! The way I get passive-aggressive responses from them just to get a confirmation of my file or ask when will I get my payment, builds up more stress than speaking to an automatic message for a phone service... like... where did we go wrong? They talk to you like you don't matter to them... not one bit. They encourage financial stress & anxiety by not responding on time or delaying your pay as if your life does not depend on it. They keep saying they will respond back to you within 24 to 48hrs but you only get an answer 1month later & that's simply because you attempted at least 4 times to reach out to them over and over again! Where is the willingness to help, the empathy, loyalty & human care? Does it exist in the Sun Life values or culture? 1year ago my life flipped on me in one fraction of second... I woke up paraplegic when 12hrs prior to that I was one of the most active healthiest people on earth. You would think Sun Life would have sympathy for someone like me and would try to make things easier & smooth things out for us but during my 1year convalescence, they were the cause of the most stressful moments of my recovery. Can someone please figure this out for me? How is your life insurance that is supposed to help you throughout the most difficult moment of your life be the one making it so hard for you to get through? I guess I'll let Sun Life give me an answer on that one.

I was out on STD from June 3rd to August 14th. I fought with them the entire month of June and beginning of July before I even saw a payment. It was days and weeks of being told "so and so" will call you back within 24 hours. I finally get back to work and then I send them the return to work letter, 4 days PRIOR to when I was returning to work and they still submitted payment for that week I returned to work. Now they say I owe them repayment. I said that was due to their error not mine and now she says she will continue to move forward to collections. I am disgusted with this company's lack of customer service, lack of urgency, lack of care, lack of compassion and lack of ability to get anything done properly. Do not use this company if you can afford it at all.

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