Group Benefits Reviews
Manulife Group Benefits Insurance Reviews
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(80 reviews)
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This has got to be the worst god awful company I have ever had the displeasure of dealing with.
We are offered this company through our company and it is the worst company I have ever had to utilize. I have dealt with Sun Life Insurance before and they are always so quick and friendly.
They have me on an audit for the past 7 months for absolutely no reason so I am not able to do any claims online. Therefore it takes weeks to get any claim reimbursement due to having to send it in the mail. It then takes 5-7 BUSINESS days to get the reimbursement. I am with a company, so to be on ANY sort of audit, makes absolutely no sense.
I WARN COMPANIES, IF YOU ARE LOOKING TO WORK WITH A COMPANY TO OFFER YOUR EMPLOYEES, DO NOT, I REPEAT, DO NOT USE MANULIFE.
They have a bunch of young, talent less, rude employees working there.
Let me tell you, I have never written a review in my life, but after the 3rd time of being told I can't submit online and them losing my claim forms and them not having my husband on file even though the initial forms stated this. They are known to use loopholes to not pay out, which is what they did with me. They are honestly the WORST company in North America! I will be making a complaint to my HR department in regards to this, thankfully for me, I have some pull in my company!
My daughter started a new job with a company whose benefit plan is provided by Manulife. During her first 3-month probation period she visited her doctor and received a prescription for anxiety. Six months after she started her job she required hospital care for a mental health disorder. Since she visited her doctor and received a prescription drug during her first 3 months of employment, Manulife denied her long-term disability benefits due to her having a "pre-existing condition". She lost 9 months of disability benefits. Manulife self-promotes itself as supporting mental health initiatives at the same time that they deny benefits to mental health patients. Public, corporate image is more important to Manulife than supporting its clients with the benefits that their clients' premiums are paying for. It would likely follow that if a cancer patient started a new job with a company whose benefit plan was provided by Manulife, they would have to stop their cancer treatments for their first 3 months of employment or they too would be deemed to have a "pre-existing condition" that would negate long-term disability benefits if the cancer required extensive hospital care. Manulife focuses on their profits first and caring about their clients last.
I opted in through my group program to get basic benefits. When the company I got glasses, dental, and health benefits from sent in claims, it was great and hassle free. The moment I tried contacting them, it drove me crazy. There is no email for the group program without signing up, and that sign up takes several days before it can be approved to create one to do so. I have tried calling, but it's either busy or it's too late to do so.
To the person who commented on the glasses - EVERY insurance company is this way..every business is this way in terms of the goods or services they offer. When it comes to general insurance guidelines, a claim is processed (paid) based on the date you are (1) dispensed your product - aka you take them home, and (2) the date you pay for your purchase. Not the day you submit your claim. Not the day you 'place your order'.
Think about it from a business perspective - if claims were paid based on the date you 'order your glasses' then you could have your claim paid, and 'cancel your order'. If claims were paid based on the date you submit your claim, people would wait months to submit but always purchase when they were not infact entitled to the purchsase. And who pays for your glasses?? Yes it is the insurance company, but where does the insurance company get the money? Your employer. Many small businesses also pay out each time an employee makes a claim. So if you submit a claim for $200, your employer is billed $200 on their next premium invoice..I've owned a business and I have dealt with all types of insurance plans and this type does exist.
In reality, it's common sence, and you are the one at fault if you can read a simple contract or ask your employer questions,... at the end of the day, it's your employer paying insurance company the premiums, so if everyone did what you are stating, then your employer would be out hundreds or thousands of dollars in premiums..
People always think their getting scammed when they don't get their way, but its really one business trying to protect another, and trying to protect their assets and revenue and avoid scams. Insurance companies aren't trying to withold their money from you, their trying to ensure they and your employers aren't being abused by people like you.
They have multiple layers of forms to fill out before they will process a claim.And if you miss any detail it is denied and sent back.
Enough to frustrate the most patient and organized accountants in the world....
I have coverage through my employer and every time I see an ad for them I hope people read these reviews as I would never deal with them if I had the option.
The only reason I continue to go through their processes is that I won't let them win.
I have co-workers who just don't bother anymore.
My wife's work recently switched from Great West Life to Manualife. We are planning on doing some eye exams and I just wanted to take a look to make sure it's covered, and how much. I've been trying all day to look up the amount. And each time, the website says it's experiencing technical difficulties and to try again later.
I don't have time for this crap. I have work to do during the day and when I get home I have 3 kids to look after. I can't believe a company of this size can't get their website running properly. And judging by other reviews, this is not a one-time occurrence.
Like seriously. Get your website working. There are tens of thousands of other companies who can get their website running. You should try it too. What a disaster.