Sun Life Disability Insurance Reviews
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Sun Life shared my private medical information with my place of employment as they are trying to fire everyone on disability. Disgusting. I am going to take this further and file a complaint… isn’t this illegal?
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!
After having a disability with my company the Sun Life agent told me I could carry it on after employment but never explained to me that the coverage changed to something different. I was expected to know their insurance naming scheme and I ended up with critical illness insurance at triple the cost it should have been. Once I was ill and could not work I found out that my 9 years of insurance premiums amounted to nothing and it was just a scam. Do not do business with them.
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.
Getting screwed by Sun Life! I have diagnosed with stage 2-3 Cirrhosis of the liver, I decided to use my coverage through my bank which is 100% coverage for illness and death. Now I am being told (after I renewed my mortgage a month ago) that I now have 63% coverage for death and 80% for my monthly mortgage. How the hell is that legal?! When I went in and got the insurance I was never told - "So, would you like full 63% coverage?" No, it for 100%! Now they are trying to reduce my coverage, I might as well be on EI! Do they do this during the Quarantine? I am being forced back to work when it is extremely bad for me and a weakened immune system to be anywhere especially to have to go back to work. Has anyone had ANY success fighting these crooks???
I have a very bad experience with this Sun Life. I am 7 months pregnant and had an accident. Due to this, I have severe pain on my lower back and upper back. Since I am pregnant, physio can't do much on my back. So my doctor said I should not go to work since. This pain can go really bad and has a risk to a baby's life too. Sun Life said: no, you can go to work and they won't pay me. It looks like they more than a doctor. Terrible company to deal with. Worst customer service.
This company is sneaky and does all sorts of avoidance games to not pay costs for health care, DO NOT invest with this company! Stress leave: When my short term stress leave ran out from employer's contribution, Sun Life kept putting off approving my long term stress leave for months, knowing full well I had no paycheques. They basically 'starve' you out for months, until you are forced to go back to work, even though you are not medically ready yet. Circumcision for my child: Sun Life told me they would cover the costs of circumcision for my child, so I got the procedure done for $1300.00. Then they denied the claim after I submitted the receipt. They will play the game of - "who told you that and on what date?"
I agree with the person who submitted an existing review on SUNLIFE. Everyone, be warned! Do not purchase insurance from this company, especially Critical Illness and Long-term care insurance. They will take your money and then not pay out to you when you do become sick or disabled. They will give you the run-a-round from customer service, feed you lies for an extended period of time and then deny your claim.
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...