Sun Life Disability Insurance Reviews

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!

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.

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!!!

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

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.