Manulife Group Benefits Insurance Reviews

We’ve been dealing with Manulife for about 12 years. I couldn’t hate them more. Occasionally a claim goes through without any issues, but it’s the exception. Every time I have to call Manulife it’s the same run around, they resubmit, and I never hear anything again. It takes multiple calls, and it often has to be resubmitted on their end more than once. I dread every single call I have to make, it’s like everything is automatically rubber-stamped no.

Every claim has been a battle since joining the new plan 8 months ago, culminating in them refusing an estimate for a partial plate, due to the teeth not being removed while under the plan! 2.5 months, and two letters to approve compression stockings!

For a total $165 massage, I was only covered $84. Their "reasonable rates" for ON is the cheapest in Canada (which doesn't make any sense) at $106/hour so they only covered 50% of the total cost. That is an absolute joke - very very disappointed in their service.

Pseudo “Medical Experts” at Manulife, likely offshore, will decide if a procedure is medically necessary, even though Ontario medical specialists you have visited deem the procedure to be medically necessary.

Horrible experience and I wish my employer had other health insurance options. I work as a nurse and my plan has a 450$ limit per year for massage therapy but then when I submitted a claim for 110$, they decided to reimburse me only for 106$ after multiple submission and finally I had to call them for that. The reason was that’s what the company deems reasonable. I wish, I could determine how they charge but that’s beyond my control. There is no mention of that in their mobile app. And I know my other friends whose insurance doesn’t even require a note for a massage therapy in the same work sector. So much for transparency and quality

A year ago, I used to be under a group benefit with Manulife with another trucking company where I had prescriptions for my diabetes.
I worked for a different company, then after a year, I switched companies again. This new company had benefits with Manulife as well. But all of a sudden, Manulife needs confirmation from a Doctor that I have diabetes. They told me it was because it was a new account. I told him it's a new account, but it's the same profile I'm the same person that you covered last year. Not very smart. I wish more companies would drop Manulife because if they're not in the business of helping people and taking care of those who need medication, then close down your business. Because they really don't care about people. They're not willing to work with anyone. Also you leave a message, and they say they'll call you back tomorrow. But it's been 4 days, and they haven't called back, and I bet they don't plan on calling back either until I call back frustrated! This is unacceptable. They try and make things more difficult so that you won't put in any claims so they can keep their premiums. I urge everyone to approach your administrator to change to a different provider.

1. Staff is not knowledgeable. Every time I've called the customer service person sounds annoyed that they had to answer the phone, have no clue what they're talking about.

2. Online claims take forever to process, previous providers have paid within 24 hours of submitting online claim, I have claims sitting for weeks before my measly 20% coverage is paid back to me.

3. Coverage is terrible at best, I know this has a lot to do with my employer as well, however it's unfortunate that a modern benefits provider would cater such terrible coverage.

I was off with Short Term Disability with Manulife. They kept harassing me to go back to work. My Doctors and professionals went forward for me to have a long-term disability. I was not ready to go back to work. I have had two appeals as they denied me. I had my doctor, Psychiatrist and a therapy counsellor write for me to be off on LTD. Manulife's in-house Psychiatrist denied me without ever calling and talking to me. They denied it and made it sound false to three very highly recommended professionals. So they are forcing me to go back to work as I ended up on social assistant. On top of everything, I was still paying them $100 a month as I was told I had to, to keep the appeals open. This was a lie. I talked to several lawyers and they said if I'm going to get better there is nothing he can do. To sue I have to be off the rest of my life or it's not worth my time. The lawyer also stated that he has about 300 cases like mine and he's just one lawyer. I would have been better by now if I didn't have to struggle to keep my home not be homeless and concentrate on me and my health issues. Manulife will never get a dime off me again. On top of everything else their customer service is the worst I've ever seen, they really do treat you like your a criminal. The phone system hangs up on you while waiting. Please be cautious dealing with this criminal company.

I had a basic dental claim for cleaning and scaling and they found a way to mark some of the line items of the invoice as ineligible. I end up paying most of it out of pocket.
Absolute worst insurance I’ve ever had. My company cheaped out for sure.

I paid into Manulife and haven't been able to use them for over a year because they were too stupid to change my birth year from 77 to 78. I got my HR department to contact them on several different occasions to the point that they were annoyed with me asking so much. I submitted a lot of receipts from this time and they weren't honored. I sent a chiropractor receipt and I get 15 bucks for that? Not cool. Thank you for taking advantage of me and ripping me off.