Sun Life Disability Insurance Reviews

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.

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

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!

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.

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.

Wow! Somehow these crooks are legally operating here in Canada. My little sister was severely damaged in a car accident... Been off work for a year and a half... She had asked to see a concussion specialist... For her concussion... But was DENIED the help she needed... Was then referred to a specialist through Sun Life... Who then wrote lies on her medical charts which then forced her back to work.... Where she sat in a dark corner hiding from the harsh lights and sounds... Finally was sent home and then this company... Whom she's paid in thousands for years... Cuts her benefits, so she's now unable to have a Christmas, care for her baby... It's sick! This company is criminal

I want to start by saying... How is my car dealership, my car insurance company & my local garage, all together, are offering me better customer service & show me much more value than my own life insurance service??? I strongly believe that my own life costs more than my car but now I am questioning myself... Can my car be more valuable than me? I am getting such a poor experience with Sun Life that I am starting to believe that my life must not mean a thing to them! The way I get passive-aggressive responses from them just to get a confirmation of my file or ask when will I get my payment, builds up more stress than speaking to an automatic message for a phone service... like... where did we go wrong? They talk to you like you don't matter to them... not one bit. They encourage financial stress & anxiety by not responding on time or delaying your pay as if your life does not depend on it. They keep saying they will respond back to you within 24 to 48hrs but you only get an answer 1month later & that's simply because you attempted at least 4 times to reach out to them over and over again! Where is the willingness to help, the empathy, loyalty & human care? Does it exist in the Sun Life values or culture? 1year ago my life flipped on me in one fraction of second... I woke up paraplegic when 12hrs prior to that I was one of the most active healthiest people on earth. You would think Sun Life would have sympathy for someone like me and would try to make things easier & smooth things out for us but during my 1year convalescence, they were the cause of the most stressful moments of my recovery. Can someone please figure this out for me? How is your life insurance that is supposed to help you throughout the most difficult moment of your life be the one making it so hard for you to get through? I guess I'll let Sun Life give me an answer on that one.