Sun Life Group Benefits Insurance Reviews

Absolutely the worst insurance company. I have group benefits with Sun Life through work. They always find excuses to not reimburse the payment. I submitted several prescription drugs for my son and they returned and said the drug is not covered. My son had severe eczema and the hydrocortisone was prescribed by a medical doctor. But they said it's alternative herbal medication and not covered. Really? Hydrocortisone cream is not a herbal cream. I paid extra every paycheck to cover my son but at the end, all claims were denied. Useless policies and it's a company that needs to change. I urge all employers to not insure your employees with Sun Life. $ not well spent.

I am only with Sun Life as it is my husband who has their benefits through work. But I would never choose them if I had a choice. I had a claim I submitted with them, checked that it was indeed something covered by our benefits before going to the service. I submit the claim with my backup and get told it was denied - so I call in and first I get this extremely rude employee screaming at me on the phone and telling me over and over that it was denied because they are my husdand's insurance and not mine to use (though I am on the policy and know that I am under him on the insurance), he wouldn’t even listen to me, so I hung up and called back - spoke to another lady who put me through to her manager, who told me she couldn’t see why my claim was denied but that I needed to get the person who completed my service to call in with their information (though they had their registration number and all nesscary information.) I did so and had the person call in - waited forever to hear anything back about this and in an email, they say that they will reimburse me for this claim - great! But of course not, the reimbursement still hasn’t come yet and that was over a month ago, I called in to see what was going on and was told they won’t speak to me about anything. My husband needs to call and though my service came to $245 (and we were covered up until $300 per service), they are only reimbursing $100. So I’m just fed up at this point and say save your money. If you don’t have to go with Sun Life, don’t.

Sun Life has the absolute worst group insurance service ever. If you have a choice, pay any other company other than Sun Life for medical and dental insurance. They will do whatever they can to deny claims that they will eventually have to pay. They do what they can to make life difficult on their CUSTOMERS. The people that pay them! That is crazy to think. These guys are on a sinking ship because they don't have common sense and they like redundancy! Do yourself a favour and pay someone else. I guarantee they will be better than what Sun Life provides.

I only have Sun Life because of the company I work for. I submitted a few claims since November last year and EVERY SINGLE ONE OF THEM had a problem with the processing. I had all the backup documentation, everything properly done and still, there were errors with the processing. I'd NEVER recommend Sun Life to anyone. Stay away from them, if you want to keep your sanity!

After dealing with a serious cardiac issue, and returning to work before the end of my Short-term benefits, I have since been hospitalized TWICE for the same condition. Now that I will be looking to use LTD for a short time until I'm able to return to work, Sun Life delayed and stalled for a month after being sent all the information from my Dr as requested. After a month of delays and no income, my "rep" decided to pass my file to their "Health Partner" (AKA: A Doctor they pay to deny claims) for review. This so-called "partner" OVERRULED my Doctor and Cardiologists findings and have denied my coverage. I am not well enough to return to work yet, as my Dr indicated, and now over 2 months later, I am still in the "appeals" process. No income, for 3 months, maxed out CC's, used all my savings to survive...And still no resolution. This is a very common game they play... Stall and delay and bully you until you're unable to remain off work any longer due to financial pressures, regardless of your health. I have 8 co-workers who have had to retain a lawyer in order to receive BENEFITS THAT YOU PAY FOR. How this company hasn't been sued out of existence is beyond me. They are immoral and unsympathetic, and their "customer service" is absolutely appalling. ZERO STARS

I only have Sun Life because of the company I work for. I had surgery and I submitted ALL necessary COMPLETED paperwork back in Feb. I had surgery in March and it is now April and I STILL have not received my disability. Sun Life claim to have needed info from me that they already had in file. They told me it would take 5 days to have my claim assigned. I called 4 days later and my claim still had not been assigned! They're saying they dropped the ball and it will take another 5 days to be assigned and additional time to have my claim approved so I can finally receive my benefits. By the time I receive my benefits, I will be back at work. I can not begin to explain how disappointed and disgusted I am with this company. My disability is my only form of income while I'm out of work and they're basically telling me there is nothing I can do about it even though they dropped the ball! This is absurd and Sun Life should be investigated! I'm committed to exploring every outside option I can to have them take responsibility for their actions. If an individual pay monthly for your insurance, you should at least have the decency to pay out in a timely efficient manner! Shame on you Sun Life!

The worst insurance I have ever encountered myself with, the only reason why I am with them is because my company is with them and between my spouse and myself I am the only one who can get benefits. Usually when you hand in a statement of your expenses, you expect them to pay without any hesitation, but no I had been given the round around of having to provide documents of proof that I have a doctor's approval then having to wait a week after in order to get my money, then having to hand in another statement of the same treatment and being told I need to provide proof when clearly they don't bother checking their system that I already handed that in, like what in the world now waiting another week to get my money back, and all I get is "sorry, sorry" over the phone. THIS IS THE WORST INSURANCE I HAVE EVER DEALT WITH!!! HEADS UP DON'T CHOOSE SUN LIFE!!!

Sun Life will raise any excuse to deny valid LTD claims. I am currently being treated for depression, anxiety and job burnout by my GP and therapist. Both have given the medical diagnosis to Sun Life and extensive information and forms. Doesn't matter, drag out the claim process, say not enough information, then deny the claim. I am a hardworking professional (accountant) who has a strong work ethic (see burnout above). The fact that my employer has paid into this company for 10+ years on my behalf, only to then be denied upon valid medical leave and financial need is unconscionable. This industry needs to examine its' reasons for doing business. These guys are a bunch of crooks and the press should really get a hold of this story.

I am a Civil Servant with a group policy through Sun Life. I was involved in a high speed MVA (no fault of my own deemed by ICBC) by a driver under the influence who fled the scene. I have a RCMP file number and a lawyer looking into my case.

My injuries are severe including a concussion with very slow progress. I applied in April and my claim was denied in August even though final tests results were not sent to my doctor yet. I have appealed with new information from 2 medical professionals stating my incapacity and I am unable to perform my duties. It has taken until end of June before I even heard back from a Sun Life rep. only because I placed a phone call.

My claim has passed through multiple agents including one of the first agents recording of "this will be approved." The agent has now mysteriously disappeared and my claim has passed through the hands of 4 other agents with another agent being removed from my file and then another agent denying my claim.

I have contacted a manager and will be moving forward to contacting her Director and will keep going upwards including the media in this and involving ministers in this matter.

I have been a civil serv. for over 30 years and have been fortunate enough to never have to utilize the services of Sun Life. I also have a disability which I have managed through the help of my physicians and myself that is not related to this incident. I cannot believe the lack of service and empathy on Sun Lifes part and I am very disgusted with how they handle claims.

I have used all sick benebits available and now have no income. I have now been told it can take 30 days for the appeal process. I have placed a urgent call to this "new" agent and I am waiting to hear back.

If anyone out there is considering a health policy I suggest you may want to look else where than with them. I would not want anyone to have to go through the horrible stress that I am going through with this company. I had no choice to use them as that is who the Federal Government uses.

I have been dealing with this insurance company through my own company and I have to say that their company culture is highly problematic. I went on long-term disability and I had issues regarding both drugs and disability.

Now, while complaints and issues happen with all insurances, the problem with Sun Life Financial is the way they do things. Not only do they seem to attract incompetent people ( 3/3 never returned calls/ e-mails over the course of weeks), they won't let you change whoever is assigned to your case, effectively stonewalling you in case things go bad.

For example, I was refused to be insured for a drug because it had the wrong code (never mind the fact that it was a refill of a drug that had been insured the other time). When I escalated this situation to the supervisor, I was told they would find the right code with the pharmacy. 6 weeks, 5 calls later, that supervisor, Mrs. X, is absolutely unreachable. Worst, whenever I called to ask to get in touch with Mrs. X's colleague or boss through the customer service, I was told it would be done before being transferred to Mrs. X's voicemail.

In the end, Mrs.X seemed to not appreciate my behavior of searching for a resolution as she called back and said there was nothing to do.

I've written enough for a review, but I have a similar experience with the disability department, letting me know that it's a company wide problem, not just a single person problem.

Word of advice: Avoid like the plague.