Sun Life Disability Insurance Reviews

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.

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!!!

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

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.

Customer Service is poor. After providing all the necessary documents in the portal, and my HR Department confirming my enrollment in the plan along with pay rate. Sun Life drags out paying 60% of my salary per the STD agreed amount. You call and ask to speak with your Claims Rep and she ghosts you, is at lunch (at 3pm in the afternoon), or gone for the day. No returned phone calls, no connection to management or leadership when asked to be transferred. This company has mastered avoidance! I would rate them zero stars, but was forced to give them one. Beg your employer not to use Sun Life!

The case manager doesn’t follow up and nobody seems to care about assisting you. They make you feel like a number and it is really disappointing when you pay every month. The company is worth 1.3 trillion dollars and they try to give you less when you injure yours And make you wait 10 weeks and more to pay you the less that they can...

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.