Sun Life Disability Insurance Reviews

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!

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.

I am 63 years old disabled certified by 3 doctors 2 occupational therapists they are offering me assistance to get retraining even if I could attend retraining Ill be retired before I finish and they will only cover a limited amount for tuition. I was dumbfounded when I heard this they are not anyone,s friend they do not tell you this in the Glossy brochures.

Please consider this your warning that if your employer provides you disability benefits from this company. Make sure you get other benefits elsewhere! I became disabled at no fault of my own and this company denied my long-term disability benefits. I fought to get benefits, was approved, to only be denied months later. This company is the scum of the earth and for those people who are unfortunate enough to need these benefits just be warned that they will not pay out those benefits to you when you need them. I hope one day that this company gets what's coming to it. Karma will haunt you Sun Life. For all those who are affected by their mistreatment, know that you are not alone.

This is a shame of an operation. They are happy to collect from hard-working Canadians, however, when it comes to assistance, they look for any reason not to cover you. They discriminate against those with disabilities and their staff is completely incompetent at assessing what a disability is. They are clearly a for-profit organization looking to pad their pockets out of the pockets of those that are foolish enough (like me) to have them as an insurance provider. If you find it acceptable to throw money in the trash then this is the insurance provider for you. Too bad they can't receive a zero rating as that's what this shame is worth. You are far better off sinking your money into lotto tickets as at least that way you may be provided with some form of financial support.

I am 27 years old and had an accident, I broke a bone in my leg and needed surgery and needed to be off work in order to be bed rested for 3 months. The company I work for, our insurance is Sun Life. When seeing my doctor, he decided to extend my leave as I would need a month to learn how to walk, drive, go up the stairs etc. I sent all my documents to Sun Life to extend my leave, they decided to decline it and not call me to advise me, it's been over a month now of trying to reach them to get an update and finally they advise that the documents I had sent were not sufficient. Apparently, a letter from the doctor, xrays, physio reports, surgical details were not sufficient. I have to pay $200 for Physio a week and not getting paid is not helping my situation even if the doctors' orders are to be off work to get strong again. I am 27 years old, you really think I enjoy staying in bed in pain?? I'd rather be at work. They are honestly the worst company ever, unreliable and have ZERO compassion for people on sick leave. Not only do I need to stress if I will have a normal life again, I need to stress with calling Sun Life on a weekly basis and pray that I get paid. IT'S DISGUSTING!! I really hope they don't treat clients that have a worse case than me like this. They are just ANIMALS!

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!

Filed a short term disability claim in January and my case was approved for two weeks and then all of a sudden it was on suspension. I tore a tendon in my rotator cuff all the way and another halfway. I was not able to work and will need surgery. Well, it's April now and my case is still under review. It is criminal what they are doing. They are more than happy to take in your payments but when it is time to pay out it's delay delay delay hoping you will give up. When I call my case analyst, she is always out of the office and I have to talk to one of her flunkies, who have no answers other than their prepared statements. If you have a choice of insurance companies, do not use this one. Since the company I worked for had this as the only choice, I had no other choice. If there was ever a company that needed a class action, this is it.