Sun Life Disability Insurance Reviews

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.

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!!

Someone should do an investigation with this company for fraud. I had them for over 20 years and after i found out i was diagnosed with a kidney problem in July 2015 they sent me a letter saying i lied and knew about the kidney disease. My dr. Performed the regular tests due to my blood pressure as a precaution and never once did we ever talk about a kidney problem. Sadly we have them as a group insurance with our employer and everyone is very disappointed with the service and the fustration of family members who become ill and have to deal with a company who cant even have the compassion to deal with ill individuals. Leave before its too late you dont want to deal with these people when you are sick.

I have a group insurance plan through my employer. I have been diagnosed with cancer since 2009. My condition has deteriorated since then requiring me to purchase a hospital bed. I have coverage up to $4000.00 for this item. When I filed a claim, they denied it stating they needed more information. I had given them a doctors note and an estimate. They denied the doctors note. I got another note from my doctor costing $40.00. I sent it in via priority post. Sun life received this the next business day. I was told it takes 7 business days to process. They denied it again because they didn't like the receipt. Maybe it was the colour of the paper or the staple I used; I don't know. I've sent another receipt. This time it was handwritten. Then I'm told it will take 7-9 business days to process. I've yet to see the outcome. They have a neat little requirement that you must complete before honouring (I use that term lightly) their obligation; You must pay for the bed yourself in advance. Anyone knows people on disability insurance don't make much money and can't afford to do this. So, if you can't pay up front they will not pay what they owe. Convenient isn't it? Why couldn't they have told me at first everything they needed; in detail. Nope. They strung me around for one and a half months hoping I would throw my arms up in exasperation and walk away. Not going to happen. If this last receipt is denied I will contact my lawyer and have him settle it. Be vary wary of this insurance company. You have to fight tooth and nail to get them to live up to their obligations. I would not recommend this company for anything. Do not trust them to have your best interests at heart.

I paid into Sun Life long term disability for decades. Unfortunately I developed a long term illness putting me off work for over a year. I was denied my claim twice. The case worker twisted the medical facts from my Doctors to gaslight me. I retained a disability lawyer who sued for breach of contract and obtained what Sun Life should have honoured in the first instance. I have since had surgery which is looking to have been very successful and hopefully I'll be back to full health shortly. The stress I experienced in fighting to get the coverage I paid for was far worse than what I had dealing with my illness. Sun Life will take your money but they will not be there when you need them.

It took me 6 months of back and forth to finally be approved on disability mortgage... A week after I was told I was approved they had told me more information required! They don’t have the public as their best interest but they are very good at collecting your money!

Sun Life is great at collecting your money and stating how they will protect and assist you and blah blah blah. But the moment you need to use their insurance you will just be given the run-around. In regards to long term disability, they make you wait a standard 3 to 4 months then you send them everything they ask for, then starts the ghosting game on their end. Like oh, we never received these forms, oh we are waiting for your employer to send us this and that. They will do this for an additional 3 months as you are obviously not working and have no income. They do this for as long as they can. Then, if you are miraculously approved, then you will get your first payment on the 30th of the month. Then the calls start coming in from their adjuster every few days asking you when will you return to work, how long will you be off. Please send all the corresponding medical documents to us as we need to review them. If you don't we will suspend payment immediately. There need to be strict government regulations on these companies, they drag people on for months abruptly stopped paying their claims! They will take your money and never payout!

Sun Life does not care about people with disabilities. I was diagnosed with Multiple Sclerosis after having been registered with their extended medical coverage and every time I need medication coverage all they do is harass me with forms to fill out and government programs they mandate I be on while threatening to take away the medication that I need to function. All the while collecting my money from premiums. They don't even read the filled out forms correctly and will cut off necessary medications that prolong my quality of life because of their lack of reading comprehension abilities. Sun Life gets a 0/10 for me and I recommend everyone avoid them at all costs.