Manulife Group Benefits Insurance Reviews

I got a severe ear issue as my work profile is to take 30-40 calls a day and I work in the sales environment. I got tinnitus, which is a ringing sound on an ear, and I also got sensorineural hearing loss, high pitch distorted sound. I submitted an STD claim in 2017 for 2 weeks was approved but then the symptoms happened again in 2018 October. Right from day 1 STD case manager wanted to reject this claim as I could feel from her behaviour. She also said she doesn't think I have a severe condition that I can't work. She took an interview over the phone than asked for docs forms, again she asked for proof of docs. Finally, after submitting everything, she went specifically for a medical consultant to review the claim. And guess what? It's REJECTED... after freaking 2 months... she didn't guide me neither told me anything as for how to process this claim whatsoever. I am in such a big financial stress right now that I can't even work properly. One side is my ear issue, which causes me a headache, as well as another side, this financial stress, I don't know how I am motivating myself. I won't spare this company though, please spread this word. Let's finish this fraudster company existence.

My husband was hit by a drunk driver while standing outside his patrol car on duty as a police officer November 2016. After using up all of his sick time/vacation time through his employer, he applied for his long-term disability through his work as his medical doctor told him he would not be able to return to policing. His right knee, hip and lower back were injured and he was not able to do the duties required of a police officer i.e. run, bend, lift, sit/stand for any length of time, and there are no sole desk jobs at his detachment (we are a tiny community). He applied to Manulife in June 2018, less than a month after he was given his last sick time pay through his work. In September they emailed us to tell us he had applied too late. ??? It took us until December 2018 (with his lawyer involved!) to get them to see their error. What had happened was that my husband's employer had stated to Manulife that he had "X" number of sick days that he used after he was injured. Manulife calculated those sick days from the day his accident happened to when they thought they should end, which was June 2017. Manulife didn't ask about my husband's work or shift schedule or take that into consideration. Those "X" number of sick days were actually drawn out longer because they were actually doubled because of his shift schedule. He would work for 4 shifts then off for 4 shifts, so out of a 16 day period, he would only be using 8 days of sick time to get paid his normal pay when he was working. Manulife didn't take this into account. And even though they were given proof of income up until May 2018 through his work and his Record of Employment, they still used their own calculations. Manulife took it upon themselves to calculate what they thought his last pay from work was, ignoring the actual letters from his employer, Dr, and filed EI paperwork. And because of that, we are currently in a dire straits position as we only have my income currently to support a family of 5, one of my daughters had to forego university to work full time to help me pay the bills and that still isn't enough. Not to mention now they admit that the days were calculated in error (but they have no idea where they came up with that date of June 2017??) and they are now looking into his disability (to see if he is actually disabled!). It's currently 3 weeks before Christmas, I have no gifts for my 3 kids or extended family, all because they screwed up. Not to mention the legal fees we will have to pay unnecessarily due to their error. We got an email from them yesterday stating they want to send him for a third party assessment by an orthopedic surgeon, so God knows how much longer this is going to take. He is still on the waiting list to see a Dr in the city for his back issues (they said it would be up to 18 mos wait). The man was hit by a car. Seven people including other police officers witnessed it. C'mon Manulife!

I don't understand how 2 insurance companies can disagree on dental work. My primary coverage is with Blue Cross, the secondary is Manulife. My dentist sent me to a specialist (periodontist) due to the poor condition of my teeth. He provided x-rays, report and Blue Cross approved. MANULIFE NOW SAYS NOT ENOUGH DECAY as per their so-called dental consultant. How could 2 other dental providers agree that my teeth require treatment? I am sure Blue Cross also has a dental consultant who REVIEWED. Manulife only wants your money but when you need treatment recommended by a professional, they say they need more information. How many more x-rays do they need, when the initial sent was approved. Wonder what school Manulife's dental consultant graduated from or even if they have the education to assess?

We went from one group plan that was fine to Manulife. It was supposed to be the exact same plan, but I found out it's not. They only cover psychologists, not clinical counsellors. I've been seeing the same counsellor for years (that my previous benefits supplied to me as an authorized provider) and now I can't get covered at all. And the dollar value coverage is so low that you'll use your entire coverage on one of the approved psychologists after one visit. In addition, two different eye care places I've been to have both complained to me about how frustrating Manulife is to work with. I often have to pay out of pocket and submit my claim because of their submission rules. They also have one of the most frustrating websites to navigate if you're trying to find information.

Seems like whenever you want to submit a claim, their site is down. Tells you to call a number, you call it and, oh, looks like they aren't open...their site is always down. Zero customer service, digital experience is terrible and they're expensive. For company benefits please choose someone else, your employees will thank you

This was forced on me by my employer. First time I have ever had any sort of health coverage in my life. Thought my 3-night stay at a hospital for hernia surgery would be covered. Not. Guess I'm flushing money down the toilet on every payday. Now that I read the booklet I see many less important things covered but not hospital charges and it was only $765. The customer service guy was ok but the product itself is utter garbage.

In reading the other reviews on here (I'm not a person who ever writes reviews or complains) I feel validated that I'm not alone in my horrible and degrading experience with this unethical joke of a company. What the disgusting parasites I've had to deal with there, after nearly every claim need to remember is that it is my employer's money they're playing with. They seem to forget they're just administering the benefits and it's not their money to withhold as much as they'd love to. They will make you jump through hoops for everything, arbitrarily blacklist providers without explanation which results in claims from those places being rejected, send statements that are intentionally opaque, and as many other victims have pointed out they will absolutely lie to you. I work for a very high-end and professional employer and I'm appalled that they would do business with these slimeballs. I've been with other benefit/insurance providers and have never come close to anything like the frustration and mistreatment I've endured. Of note, these aren't complicated claims, either. They will literally play games, especially with co-pay agreements, and drag out paying you back for an eye exam or simple teeth cleaning. Their hope, as little more than just another greedy investment company at the end of the day, is that you get too fatigued to keep fighting them for the benefits to which you and your family are entitled and just roll over. I would encourage anyone reading this who is in a unionized workplace to make this a bargaining issue - employers who knowingly stay with Manulife should be held to account for the way their employees retreated and harassed by these people.

I was sent a letter indicating I was approved for STD benefits and would be mailed a cheque. It has been 2 months and I still have not received the cheque. My injury was due to a motor vehicle accident which only qualifies for 7 days pay at the rate of 60%. Long-term benefits are not an option for the same reason although I pay a mandatory fee of $50 monthly for these benefits through the Corporation I'm employed. I'm expecting a 3-6 month recovery, so thanks for nothing Manulife. When, not if, I'm in the position to decide who our Corporation uses for a benefit provider, I will make sure it's not Manulife.