Manulife Group Benefits Insurance Reviews

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.