Disability Insurance Reviews

Sun Life Disability Insurance Reviews

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(57 reviews)
Sun Life
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LTD Coverage DENIED

by ToyotaKid on Apr 21, 2018
1 out of 5 stars

After dealing with a serious cardiac issue, and returning to work before the end of my Short-term benefits, I have since been hospitalized TWICE for the same condition. Now that I will be looking to use LTD for a short time until I'm able to return to work, Sun Life delayed and stalled for a month after being sent all the information from my Dr as requested. After a month of delays and no income, my "rep" decided to pass my file to their "Health Partner" (AKA: A Doctor they pay to deny claims) for review. This so-called "partner" OVERRULED my Doctor and Cardiologists findings and have denied my coverage. I am not well enough to return to work yet, as my Dr indicated, and now over 2 months later, I am still in the "appeals" process. No income, for 3 months, maxed out CC's, used all my savings to survive...And still no resolution. This is a very common game they play... Stall and delay and bully you until you're unable to remain off work any longer due to financial pressures, regardless of your health. I have 8 co-workers who have had to retain a lawyer in order to receive BENEFITS THAT YOU PAY FOR. How this company hasn't been sued out of existence is beyond me. They are immoral and unsympathetic, and their "customer service" is absolutely appalling. ZERO STARS

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Disgusted and Confused

by DisappointedCustomer on Apr 10, 2018
1 out of 5 stars

I only have Sun Life because of the company I work for. I had surgery and I submitted ALL necessary COMPLETED paperwork back in Feb. I had surgery in March and it is now April and I STILL have not received my disability. Sun Life claim to have needed info from me that they already had in file. They told me it would take 5 days to have my claim assigned. I called 4 days later and my claim still had not been assigned! They're saying they dropped the ball and it will take another 5 days to be assigned and additional time to have my claim approved so I can finally receive my benefits. By the time I receive my benefits, I will be back at work. I can not begin to explain how disappointed and disgusted I am with this company. My disability is my only form of income while I'm out of work and they're basically telling me there is nothing I can do about it even though they dropped the ball! This is absurd and Sun Life should be investigated! I'm committed to exploring every outside option I can to have them take responsibility for their actions. If an individual pay monthly for your insurance, you should at least have the decency to pay out in a timely efficient manner! Shame on you Sun Life!

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Covered or Not?

by 989jamie on Jan 10, 2018
1.5 out of 5 stars

When you call you're asked for a bunch of numbers you probably don't have. Employees act frustrated to have to look you up by name etc. Finding your info online is impossible and when you call they have difficulty telling you what kind of coverage you even have. I was transferred 3 times to be told they didn't know if I had any disability coverage on the group insurance option I selected. You might say I should know this but employers often ask you to complete your selections within a week of starting your new job. A brochure or at least clear coverage information should be available to you to review at any time. I'm disappointed in this company and think they should be more user-friendly.

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LTD claim denied

by Jenny M Howard, CPA, CA on Jan 4, 2018
1.5 out of 5 stars

Sun Life will raise any excuse to deny valid LTD claims. I am currently being treated for depression, anxiety and job burnout by my GP and therapist. Both have given the medical diagnosis to Sun Life and extensive information and forms. Doesn't matter, drag out the claim process, say not enough information, then deny the claim. I am a hardworking professional (accountant) who has a strong work ethic (see burnout above). The fact that my employer has paid into this company for 10+ years on my behalf, only to then be denied upon valid medical leave and financial need is unconscionable. This industry needs to examine its' reasons for doing business. These guys are a bunch of crooks and the press should really get a hold of this story.

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Terrible Experience

by FrustratedMom on Oct 23, 2017
1 out of 5 stars

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.

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Stand up for your rights!

by fed up on Sep 22, 2017
1 out of 5 stars

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.

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THIS COMPANY IS A SCAM!

by scamed_by_sunlife on Sep 14, 2017
1 out of 5 stars

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.

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STD DENIAL WHILE PREGNANT

by MadMomma on Sep 11, 2017
1 out of 5 stars

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.

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Digusted with Lack of Service

by Civil Servant on Sep 6, 2017
1 out of 5 stars

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.

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Disgusting! Disgrace!

by csjray on Aug 10, 2017
1 out of 5 stars

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!

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