Sun Life Group Benefits Insurance Reviews

I worked & paid in to their contracted plan for 21 yrs, using it for dental, prescriptions & glasses without any problems. A life changing disease made the Canadian Gov't deem me to be "totally & permanently disabled" & the Canadian gov't granted me CPP Dissability till age 65. Sun Life however refused to pay me LTD after only 2 yrs. Their contract said I was to be paid until age 65....but that is just a scam. I am very grateful to our gov't who approved my CPP Dissability claim. The gov't makes their medical evaluation & makes their decision & pays you a dependable amount each month until age 65. Sun Life is just one giant fraud. Sun Life really should be forced to close down since they never honour their contracts. Sun Life is an unreliable scam. Sun Life is a failure, who will never pay out. They harrass you constantly & close your file throughout your 2 yrs of LTD (causing emotional disstress). The gov't is way better than Sun Life.

I had extended healthcare coverage through my professional association which I paid thousands of dollars for over the years. Having had skin cancer 3 times, I decided to have a skin treatment advised by my skin specialist. The treatment was approved by Sun Life ahead of time but my claim was denied when submitted. They requested bogus information and talking with their customer rep didn't help. Having been ripped off by Sun Life I have cancelled my health plan. I would advise not doing business with this company as their conduct is dishonest.

My spouse was a employee for Ontario Hydro. Unfortunately, they chose Sun Life for their health benefits. We sent in documents for receipts for our glasses. They just ignore us. They do not contact us to tell us why they are not paying. When we phone them, the lie and say they didn't receive any receipts. They keep saying this no matter how many receipts you sent in.

I found out at the end of January 2016 that I needed surgery. I began the process of starting a claim about a month before I actually stopped working. My case was a bit complicated because I need 2 surgeries, and at the time I submitted the paperwork the second surgery date was unknown. I submitted the paperwork before my surgery on March 23rd, got the forms filled out by my doctors, and thought everything was fine. I called multiple times, was told my claim was approved, and it was fine. When I was supposed to start getting paid, I never got a check. I called them - turns out they were missing a form, that no one had ever told me about. I get the form worked out and submit it, and call them a few days later.... only to find out that there was ANOTHER form missing. They kept telling me that I needed to talk to my claims manager Tanya, but she never seemed to be in the office - we're convinced she doesn't exist. The 6th of 7th time I called, I was informed that I had TWO claims - one for short term disability, which has been approved, and one for state. "State?" I asked them. Turns out they were missing forms for that as well, that no one had decided to tell me about the other SIX OR SEVEN TIMES I HAD CALLED. You would think that if they were missing a form, they would call you to ask about it; nope. Sun Life is deducting $170 from my checks every week for this state disability, and to date I have not received any of that money, even though the state claim has been approved at this point. Back to the short term disability; I have been getting checks the last two weeks, so I was lulled into thinking everything was okay. I still have not gotten my state money... but I thought I was okay on the short term side. My second surgery is tomorrow, so I started the process to extend my leave. After FINALLY getting ahold of Tanya, she assured me that all she needs to do is call my doctors office tomorrow after my surgery to find out how much longer I'll be out. She said that she would just extend my leave to whatever the doctor says - we'll see tomorrow if that happens. I received a check today that showed me 2 things. First, the amount is off by $100. Second, they are showing my leave as suspended. I also was given a claim number for my state disability - I looked up that claim, and it shows a check that I never received, and that I have already returned to work.

Long story short, AVOID THIS COMPANY AT ALL COSTS. They jerk you around and absolutely do not care about your wellbeing. They lie to you and say they have everything they need, just to retract that statement the next time you call. You will never get what you're owed if you go through this company, so save yourself the trouble and STAY AWAY.

I have a group insurance plan through my employer. I have been diagnosed with cancer since 2009. My condition has deteriorated since then requiring me to purchase a hospital bed. I have coverage up to $4000.00 for this item. When I filed a claim, they denied it stating they needed more information. I had given them a doctors note and an estimate. They denied the doctors note. I got another note from my doctor costing $40.00. I sent it in via priority post. Sun life received this the next business day. I was told it takes 7 business days to process. They denied it again because they didn't like the receipt. Maybe it was the colour of the paper or the staple I used; I don't know. I've sent another receipt. This time it was handwritten. Then I'm told it will take 7-9 business days to process. I've yet to see the outcome. They have a neat little requirement that you must complete before honouring (I use that term lightly) their obligation; You must pay for the bed yourself in advance. Anyone knows people on disability insurance don't make much money and can't afford to do this. So, if you can't pay up front they will not pay what they owe. Convenient isn't it? Why couldn't they have told me at first everything they needed; in detail. Nope. They strung me around for one and a half months hoping I would throw my arms up in exasperation and walk away. Not going to happen. If this last receipt is denied I will contact my lawyer and have him settle it. Be vary wary of this insurance company. You have to fight tooth and nail to get them to live up to their obligations. I would not recommend this company for anything. Do not trust them to have your best interests at heart.

I provide a brief summary, as the various hoops I have had to jump through are many and mundane.

The company I work for transferred from a very solid and professional drug insurance firm to the godawful Sun Life Financial. Even though their presentations promised a smooth transfer, come first trip to the pharmacy after cut over day, find out that medication needs to be pre-approved prior to being filled. My medication is time dependent, so I had no choice but to pay out of pocket for the drugs. Then I had to chase my doctor for them to fill out forms again justifying the use of the drug and send to SLF. Doctor completed, the forms and faxed through. (What a waste of time for the doctor?!) I called SLF to confirm that everything was good and that I could submit my out of pocket claim and also on my next trip to the pharmacy would be without incident. I was promised everything was fine, a letter was received confirming my drug coverage. I arrived at the pharmacy - same thing. Refused by insurer. A call to the SLF resulted in being transferred 3 times over 45 minutes, about half as many times as I was offered to use their website to check my status - an obvious and painful delaying tactic, do they think people will give up and actually try their website? Its BS - does nothing, not customer interaction can be achieved from the site. I was eventually told the drug ID number they had on record was wrong and I would need my doctor to resend the drug approval - also I was told this was my fault? Turns out the drug has a different number in their system and the doctor and I should have known this and provided it. I am now two months out of pocket with my first paper claim rejected and back to square one. A very unsatisfactory company. Medical insurance companies are vampires to the system anyways, but Sun Life Financial are turning it into an art form.

My family , unfortunately has Sun Life for our secondary Dental insurance. Even though we pay for this insurance through my husband's employer they do not pay on claims . This has caused me to go into collections with a dentist office. Their customer service department is lousy. I have emailed them numerous occasions and they have only responded twice stating that they are not able to find the claim I'm questioning ,yet I received the EOB from them. HORRIBLE! If I could rate this company with zeros stars, I would. The company is no longer using them as of July 1st! Thank goodness!

I had my therapy recently and submitted the claim to my two coverages, one under my employer and the other one under my Husband, both Sun Life. I got reimbursed for a portion only from my plan and denied the balance under my spouse plan. The reason? Because they only paid according to their price limit! Coordination of benefit was never applied on this case plus this is my first claim for two years! There is no consideration. I got pregnant and taking care of my baby, and trust me. I feel all the pain in my back. But when I decided to have a massage from a decent spa, I never thought that I wouldn't be able to use my benefits.

This company are the Kings of no pay. I submitted phsio/massage therapy. There were the secondary provider. I submitted it thru mail!! yes Canada Post. I gave them the Px and the amount paid by Blue Cross on Blue Cross letter head. They denied it because I did not sent the original Px. I got the original from the clinic and sent it to them. Then they denied it because they said they were the seconday provider and they have no proof that the primary provider paid!! I sent them the Blue Cross form which clearly states BLUE CROSS PAYS, and they had the claim filled out online clearly showing the amount Blue Cross paid and they had 20% left to pay. Next they denied it because I reached my max for the year. The max for the year was $500 and I had submitted. It took me 3 months, 6 phone calls, 4 letters/written submissions and they paid me the $28 they owed me. $28!!! And I have since submitted other phsio/massage bills and each time they do the same actions. All the people who work with me get the same run around when they submit expenses. This should be shut down. They like taking my $175 a month in premiums. NO company should have this company as an insurance provider

Sun Life became the worst Insurance Company ever. Each Claim is a subject for investigation. Investigators are rude. Demanding to provide personal information protected by Personal Health Information Protection Act 2004. They harass and intimidate Service Providers (Massage Therapists, Chiropractors, etc) , demand Clinical Notes , record conversation without written Consent, provide third parties ( contractors) with the confidential and sensitive information.
Attention employers : if You would like to provide your employees with real extended health benefits they need and pay for - stay away from Sun Life Financials.