Sun Life Group Benefits Insurance Reviews

After having a disability with my company the Sun Life agent told me I could carry it on after employment but never explained to me that the coverage changed to something different. I was expected to know their insurance naming scheme and I ended up with critical illness insurance at triple the cost it should have been. Once I was ill and could not work I found out that my 9 years of insurance premiums amounted to nothing and it was just a scam. Do not do business with them.

Getting screwed by Sun Life! I have diagnosed with stage 2-3 Cirrhosis of the liver, I decided to use my coverage through my bank which is 100% coverage for illness and death. Now I am being told (after I renewed my mortgage a month ago) that I now have 63% coverage for death and 80% for my monthly mortgage. How the hell is that legal?! When I went in and got the insurance I was never told - "So, would you like full 63% coverage?" No, it for 100%! Now they are trying to reduce my coverage, I might as well be on EI! Do they do this during the Quarantine? I am being forced back to work when it is extremely bad for me and a weakened immune system to be anywhere especially to have to go back to work. Has anyone had ANY success fighting these crooks???

Since I got a new employer, I had to switch to Sun Life. I have had nothing but huge problems with them. After months of paying for a family plan, my fiancé had dental work done only to find out we had to pay all money out of pocket because Sun Life was saying that we were not covered. After many many calls with them, they finally saw that we were in fact covered and had been this whole time. Fast forward 5 months later and we still have not been refunded the money. They are now trying to claim that they paid us out. Incredibly rude cutting me off when I tried to explain what had happened. They do not listen, do not refund or properly cover you for multiple claims. I will be cancelling my coverage and will never deal with them again. I will go back to my previous insurance company which is wonderful, respectful and I never have issues with. Sun Life, maybe you should treat you clients with respect as we pay for the seats you sit in.

Okay. Let's get things straight here, I would give a 0/5 for Sun Life in the disability sector. 3/5 to the group benefits. I have been off work due to what I have found out is bad ADHD and a myriad of anxiety disorders that I have been dealing with my whole life, and things have started to go extremely bad aka, almost suicide... I have been doing my due diligence with going to my appointments etc. waiting. Going to more appointments. Until I have finally gotten to see my psychiatrist today. When I first applied and got accepted for my disability claim. It took 3 weeks to get anything done. It took two weeks for my case manager to get a hold of me and confirm. Then after that. It took a week for my claim amount and dates to process. Then somehow a whole week to mail me a check... second time I applied for an extension. It took another 3 weeks to get any money. It is extremely difficult to get a hold of any case manager. As for some reason they aren't actually ever in their office. Why? I do not know. This is a benefits company. You are supposed to be helping people who are disabled or in need of help. These people need quick service. Not a lot of people have a whole months worth of savings to back themselves on to these days. May I mention, we also pay into this. So it is basically our money, to begin with, okay? So I have been diagnosed with bad ADHD and three other anxiety disorders along with a stress disorder. So my fiance and I were not able to pay rent due to 3-week delays, which happened twice now. I have been evaluated and strictly told to take 3 months off work for new medication and a strict plan ordered by the psychiatrist. I have left 4 messages in the last 3 days trying to get a hold of a case manager, to avoid the previous almost month-long delays. It is absolutely ridiculous, unprofessional and stressful. Sun Life financial should be stripped of their licenses and removed from the insurance business. People need money when they are not working. Unbelievably horrible service from this company and I am appalled my company uses them for their insurance and benefits. I could go on all day about the bad experiences I've had with Sun Life. But this will have to do. If someone high up in Sun Life reads this on some off chance. There needs to be some changes

The company I was working for closed the business and all employees made redundant. This was in August 2018. Despite the claim being made in July 2018, the first contact to advise that no payment would be made was the end of February 2019! Denial of claim, then numerous calls and it took three calls to the call centre (offshore of course), and 10 days to get a call to advise no payment. Awful service! I was advised that as of mid-July 2018, due to administrative issues, all claims had been suspended. Why so long and so many calls/faxes/online claims to get the answer? 7 months is astoundingly poor service!

I have group benefits with this company and it's been a nightmare since day one. I mailed my claim forms to them that consisted of four documents. They separated them and entered my ONE claim as two. So I was told all my information is missing but it wasn't...they made the error. I spoke with someone who told me they fixed it and they would resubmit it for me. I hear nothing from them for two weeks, so I followed up to find out that it was rejected due to a date missing (had the month but not the day) on my receipt even though all the other forms submitted with it had the date electronically printed on them. I was asked to get a new copy and then use their stupid mobile app to resubmit the receipt. I did that. Hear nothing again. Follow up again and was told my information is missing...the SAME first problem was never actually fixed on their end. So I'm told to resubmit the same form again with a new reference number. I ask why it's needed because they have it, and they were incredibly rude and were just sending me their list of auto responses. I disconnected, and spoke with someone else who told me I could go on their website and just enter the claim amount - easy peasy...WHY DIDN'T THE OTHER ELEVENTY BILLION REPS I SPOKE WITH TELL ME THIS?!?! I'm incredibly reluctant that this suggestion of entering it online will work...but it's another waiting game, I guess. Save your time...save your employees' time and do not use these guys. They are just awful. You have to follow up all the time, otherwise, you won't know what's going on. They do not communicate anything to you. Of course not, right? Why would they want to reimburse you money? Apparently, to them, that's not what benefits are for...

I have a public health plan with them and I dread every time I have a claim. Use Blue Cross, much better service. Very onerous process and forms. Seem to do everything to dissuade from claiming benefits. Rude staff.

AVOID THIS COMPANY. I’ve been paying into my benefits, you’d think the least they can do is take a phone call from me and give me some information on my claim. I’ve been in the process of filing a disability claim for almost a month now and all I’m trying to do is check the status (when I should be receiving money as I’ve been off of work now for over a month due to high-risk pregnancy) and every time I call, someone tells me they can’t access my information because my file is handled in another office and I’m tired of being transferred over there to a voicemail. The same number that I’ve called twice before and was able to speak to someone who was able to access my file is the same number I’m calling again and it’s taking me all over Ontario and no one can access my information. Does Vancouver not have a customer service centre with people who actually pick up the phone like Waterloo or Toronto or Halifax or Montreal does?? Every time I’m transferred to Vancouver, I’m forwarded to a voicemail. This is so ridiculous I’ve never experienced this before, this is the WORST customer service and everyone I speak to is telling me something different. I don’t even know why my file is being handled in Vancouver when I live in Toronto. They even have an online option where you can “track your claim” and every time I go to look, it shows me that I supposedly haven’t filed a claim in the last 90 days. When I finish sorting this out, I'm CANCELLING and switching somewhere better, this is a disgusting service. Been off of work for so long and I’m due in 3 weeks and I can’t even enjoy a peace of mind like these insurance companies claim to give you whenever you need your.... behind.... covered. 0 STARS. I’m leaving this review anywhere I can so people can avoid this stress.

I submitted three claims for prescription drugs ranging from $46-72 dollars. I was given $3 back in total because senior claims manager said the reasonable and customer cost of my prescription was $1. WHEN WAS THE LAST TIME YOU BOUGHT PRESCRIPTION FOR $1? He suggested that I shop around. Going back to Great West Life. Sun Life in my experience is the worst insurance provider for a group. Recommending my employer change providers.

The worst insurance provider that we have chosen for our company; it was a terrible decision and the staff is completely incompetent