Sun Life Disability Insurance Reviews

This company is sneaky and does all sorts of avoidance games to not pay costs for health care, DO NOT invest with this company! Stress leave: When my short term stress leave ran out from employer's contribution, Sun Life kept putting off approving my long term stress leave for months, knowing full well I had no paycheques. They basically 'starve' you out for months, until you are forced to go back to work, even though you are not medically ready yet. Circumcision for my child: Sun Life told me they would cover the costs of circumcision for my child, so I got the procedure done for $1300.00. Then they denied the claim after I submitted the receipt. They will play the game of - "who told you that and on what date?"

I agree with the person who submitted an existing review on SUNLIFE. Everyone, be warned! Do not purchase insurance from this company, especially Critical Illness and Long-term care insurance. They will take your money and then not pay out to you when you do become sick or disabled. They will give you the run-a-round from customer service, feed you lies for an extended period of time and then deny your claim.

They don't even read emails. Very poor disorganized company! They have no problem taking the money out every month but when you fall on hard times you get "we will look at it next week"! SUN Life is late with the mortgage payments when they were given all the information they asked for. Don't depend on Sun Life because they will let you down when you need them most!

In 2016, I applied and was approved for Disability Insurance through my Scotia Bank Mortgage account. In 2018, the doctor put me on Disability Leave. When I went to access my Disability Insurance for my mortgage, I was notified that they made an error and ticked off Chronic Insurance instead of Disability Insurance. They assured me that the correction would be made. Months later, instead of correcting the error, they paid me out what I had paid towards the Chronic Insurance and basically refused to help me! I contacted the Office of the President of Nova-Scotia Bank to complain. They investigated the matter but it took months. Finally, I told the Office of the President that I would go see a lawyer and within a week, SunLife acknowledged their mistake and paid me out a portion. Now my Mortgage is in foreclosure due to receiving their payment too little too late, and they didn't even pay the hardship or the financial burden that they caused. Two thumbs down to them!

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.

Okay. Let's get things straight here, I would give a 0/5 for Sun Life in the disability sector. 3/5 to the group benefits. I have been off work due to what I have found out is bad ADHD and a myriad of anxiety disorders that I have been dealing with my whole life, and things have started to go extremely bad aka, almost suicide... I have been doing my due diligence with going to my appointments etc. waiting. Going to more appointments. Until I have finally gotten to see my psychiatrist today. When I first applied and got accepted for my disability claim. It took 3 weeks to get anything done. It took two weeks for my case manager to get a hold of me and confirm. Then after that. It took a week for my claim amount and dates to process. Then somehow a whole week to mail me a check... second time I applied for an extension. It took another 3 weeks to get any money. It is extremely difficult to get a hold of any case manager. As for some reason they aren't actually ever in their office. Why? I do not know. This is a benefits company. You are supposed to be helping people who are disabled or in need of help. These people need quick service. Not a lot of people have a whole months worth of savings to back themselves on to these days. May I mention, we also pay into this. So it is basically our money, to begin with, okay? So I have been diagnosed with bad ADHD and three other anxiety disorders along with a stress disorder. So my fiance and I were not able to pay rent due to 3-week delays, which happened twice now. I have been evaluated and strictly told to take 3 months off work for new medication and a strict plan ordered by the psychiatrist. I have left 4 messages in the last 3 days trying to get a hold of a case manager, to avoid the previous almost month-long delays. It is absolutely ridiculous, unprofessional and stressful. Sun Life financial should be stripped of their licenses and removed from the insurance business. People need money when they are not working. Unbelievably horrible service from this company and I am appalled my company uses them for their insurance and benefits. I could go on all day about the bad experiences I've had with Sun Life. But this will have to do. If someone high up in Sun Life reads this on some off chance. There needs to be some changes

I had Sun Life insurance provided through my employer. I was off work due to an ongoing and debilitating degenerative back. After being on long-term disability for a term, I was still deemed disabled by my doctors. Sun Life disagreed and said I was capable of doing SOMETHING. I had only ever been an equipment operator, so I had no other marketable skills. Sun Life in their infinite wisdom put me through a Microsoft office crash course and said I now had skills to be employed elsewhere. Despite my arguments that I was typing at 15wpm and had the most basic of understanding of computers, they stuck to their guns and discontinued my benefits. I hope they all have to go through bankruptcy like I did because of this.

I would not even give them 1 star, but I had to submit this. I applied to LTD and it was a nightmare from the start. I have paid into this for 12 years and I was warned when applying that they review to deny. My claim was for acute anxiety, stress and physical/health issues and in the end, I was told it was "due to reasons of a personal nature rather than an illness or injury" even though I had a 3-page letter from a psychologist stating otherwise and a 5-page signed note from my doctor. I had to do a personal interview on the phone, which was a joke. I should have declined the interview. It made me feel like a victim and only caused me more undue stress. They are not there for our health. How is a claim denied with signed documents from doctors? I looked into suing them and had a lawyer set up, who wanted to pursue it but I have opted to step away for now. You can google search this to find lawyers who specifically deal with denied claims. I cannot put who I found, but they are there if you require additional help to pursue your claim.

Thomas Jefferson was wrong... all men are not created equal. Montreal Sun Life Disability office is evidence that some are less equal between the ears at least. Terrible service and BAD attitude towards people that pay them.

AVOID THIS COMPANY. I’ve been paying into my benefits, you’d think the least they can do is take a phone call from me and give me some information on my claim. I’ve been in the process of filing a disability claim for almost a month now and all I’m trying to do is check the status (when I should be receiving money as I’ve been off of work now for over a month due to high-risk pregnancy) and every time I call, someone tells me they can’t access my information because my file is handled in another office and I’m tired of being transferred over there to a voicemail. The same number that I’ve called twice before and was able to speak to someone who was able to access my file is the same number I’m calling again and it’s taking me all over Ontario and no one can access my information. Does Vancouver not have a customer service centre with people who actually pick up the phone like Waterloo or Toronto or Halifax or Montreal does?? Every time I’m transferred to Vancouver, I’m forwarded to a voicemail. This is so ridiculous I’ve never experienced this before, this is the WORST customer service and everyone I speak to is telling me something different. I don’t even know why my file is being handled in Vancouver when I live in Toronto. They even have an online option where you can “track your claim” and every time I go to look, it shows me that I supposedly haven’t filed a claim in the last 90 days. When I finish sorting this out, I'm CANCELLING and switching somewhere better, this is a disgusting service. Been off of work for so long and I’m due in 3 weeks and I can’t even enjoy a peace of mind like these insurance companies claim to give you whenever you need your.... behind.... covered. 0 STARS. I’m leaving this review anywhere I can so people can avoid this stress.