Sun Life Disability Insurance Reviews

Not only did it take them 3 wks to return one phone call after 20 were left being denied because I was still working part-time. Appealed it and this time was denied because of not following a treatment plan. I was never given the opportunity to give a treatment plan nor was I given the chance to be even told about their rehabilitation program until tonight. I was denied for that. I've never been sent anything in writing about my 1st denial, all I needed to was to be off work for 120 full days, nothing about a treatment plan was even mentioned. How can u b denied something u were never given the chance or asked about it. This not only has put me in terrible place finically, I still haven't been heard. They aren't caring at all nor do they give u all the info. How can u be denied twice for two different issues? When they said "no work for 120 days". Frustrating and for someone who suffers from anxiety and depression, how can I still fight for my rights. I feel beaten and dragged down in so many ways. I have found a new lawyer specializing in Sun Life, so now ask them for major help. I hope in the end I get what I paid into!!!

I've paid for short term and long term disability for years. I had back surgery in September 2016. It's now nearly March 2017 and I've yet to get paid one penny. They lie and give you the run around. You'll never see a penny of what you thought was going to protect you. It's called fraud and when I get an attorney, maybe I'll get action. Anyone care to join me? We can do a class action!

I'm currently on short-term disability: this company is a nightmare. I had cancer and a subsequent mastectomy; recently had to undergo another very complex surgery that took four times longer than the previous. From the time I woke up in the hospital, Sun Life harassed me with requirements (I was literally all cut up in bed on the phone with them) trying to force me to go back to work early. I had to make phone calls (hard to hold a phone when you're all cut up) and drive to the hospital weeks before my doctor said I should trying to find/get doctors to make repeated phone calls to the Sun Life rep--had to make duplicate doctor appointments to met insurance req--I've been through a couple companies since I've been ill and Sun Life is the worst--my incisions reopened in my abdomen because of them--working on getting better--employers are the only entities that benefit. If you can: STAY AWAY.

Sun life will make it nearly impossible for you to collect on short term or long term disability. They will request medical records Drs notes treatment plans after every visit, and tell you it has to be reviewed. You will be told over and over they need more info. It will be sent but mysteriously they never receive it. My Drs. office has sent the same paperwork requested by them 4 times. nothing never received it. Customer service is a joke. There are no words to say that can express my aggravation with these people. Its like the old cartoon commercial about insurance adjusters. all saying JUST SAY NO. This company is no one you want to deal with

I worked & paid in to their contracted plan for 21 yrs, using it for dental, prescriptions & glasses without any problems. A life changing disease made the Canadian Gov't deem me to be "totally & permanently disabled" & the Canadian gov't granted me CPP Dissability till age 65. Sun Life however refused to pay me LTD after only 2 yrs. Their contract said I was to be paid until age 65....but that is just a scam. I am very grateful to our gov't who approved my CPP Dissability claim. The gov't makes their medical evaluation & makes their decision & pays you a dependable amount each month until age 65. Sun Life is just one giant fraud. Sun Life really should be forced to close down since they never honour their contracts. Sun Life is an unreliable scam. Sun Life is a failure, who will never pay out. They harrass you constantly & close your file throughout your 2 yrs of LTD (causing emotional disstress). The gov't is way better than Sun Life.

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

Just had my LTD claim denied after going through cancer and having difficulties with my recovery. The claims person who never answers her phone issued a letter stating that "I appear to have some health concerns". Seriously. Do they think that I fabricated the pathology report from PMH which discusses my tumour? This statement is an insulting, graceless, compassionless remark to me and all the cancer patients out there who have dealt with the horror of this disease.
I have to seriously now consider the stress and toll that the appeal process will take on me and because I can't physically return to work they will be probably eliminate me.
I hope Sun Life is proud to treat cancer patients this way and further destroy people's lives. Way to go.

I found out at the end of January 2016 that I needed surgery. I began the process of starting a claim about a month before I actually stopped working. My case was a bit complicated because I need 2 surgeries, and at the time I submitted the paperwork the second surgery date was unknown. I submitted the paperwork before my surgery on March 23rd, got the forms filled out by my doctors, and thought everything was fine. I called multiple times, was told my claim was approved, and it was fine. When I was supposed to start getting paid, I never got a check. I called them - turns out they were missing a form, that no one had ever told me about. I get the form worked out and submit it, and call them a few days later.... only to find out that there was ANOTHER form missing. They kept telling me that I needed to talk to my claims manager Tanya, but she never seemed to be in the office - we're convinced she doesn't exist. The 6th of 7th time I called, I was informed that I had TWO claims - one for short term disability, which has been approved, and one for state. "State?" I asked them. Turns out they were missing forms for that as well, that no one had decided to tell me about the other SIX OR SEVEN TIMES I HAD CALLED. You would think that if they were missing a form, they would call you to ask about it; nope. Sun Life is deducting $170 from my checks every week for this state disability, and to date I have not received any of that money, even though the state claim has been approved at this point. Back to the short term disability; I have been getting checks the last two weeks, so I was lulled into thinking everything was okay. I still have not gotten my state money... but I thought I was okay on the short term side. My second surgery is tomorrow, so I started the process to extend my leave. After FINALLY getting ahold of Tanya, she assured me that all she needs to do is call my doctors office tomorrow after my surgery to find out how much longer I'll be out. She said that she would just extend my leave to whatever the doctor says - we'll see tomorrow if that happens. I received a check today that showed me 2 things. First, the amount is off by $100. Second, they are showing my leave as suspended. I also was given a claim number for my state disability - I looked up that claim, and it shows a check that I never received, and that I have already returned to work.

Long story short, AVOID THIS COMPANY AT ALL COSTS. They jerk you around and absolutely do not care about your wellbeing. They lie to you and say they have everything they need, just to retract that statement the next time you call. You will never get what you're owed if you go through this company, so save yourself the trouble and STAY AWAY.

This company should be investigated! I was offered an office disability insurance policy through them. When the time came that I needed them, I found out real quick just what scammers they were. Everytime you had given the information they requested more and more to the point they would ask for something and I would call my consultant and tell her that had already been sent and after a couple of seconds of stumbling over her words she would acknowledge that indeed it had been received but they needed more! This went on for three months, only to be denied! They are completely unethical, unprofessional, and uncaring!!! They are not there to help you, they are there to make sure at the end of the process you are broke and have means to appeal their decision!! They are fully aware that by the time most of these claims are filed the person filing them has most times been terminated or quit their job due to the medical illness they are filing the claim for. They never intend to pay the claim and they continue to receive the monthly premiums from the former employer who doesn't care if your approved or denied and it's a win-win situation! I honestly can't say enough bad things about this company! If you are ever offered this insurance, do yourself a favor and take out your own personal policy through a reputable insurance company! They are in the business of making money PERIOD!!! They look for anything and everything to deny your claim! I hope they can live with themselves, because I have read review after review after review that experienced the exact same treatment I did and they have left a trail of REAL PEOPLE WITH REAL PROBLEMS reeling and broke!!

This company is the absolute worst company I've ever dealt with in my entire adult life. Their customer service staff is very rude and disrespectful, despite the fact that I've been extremely patient during every encounter. Every time I asked a question or tried to explain why I'm concerned, they would talk over me, practically yelling at me. One rep hung up when I was explaining why the details she was giving me were incorrect. This company will go above and beyond not to pay out on benefits. My doctor and employer have provided all the information this company needed but they continue to look for reasons to prolong accepting my claim. It's been a month and every time I call them for an update, they keep saying the examiner is still processing. Unbelievable.