Sun Life Group Benefits Insurance Reviews

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.

Sun Life needs the customers to submit documents by mail or fax only. They have claimed that their new App can do it, but I have confirmed that their App actually cannot yet as of 2017. When I did send the original documents by mail, they just claimed that they never got it. They are very frustrating to deal with, especially since my previous employer had another large provider that had used a website to submit all claims with any documents. Sun Life on the other hand cannot accept any documents electronically, demands originals be mailed, and simply loses any mailed-in copies, resulting in denied claims by default since I cannot submit original documents.

Don't choose Sun Life. Very bad company. Sun Life collects money and tries to save on their expenses. I am working in health practitioner association and our association has many complaints from Sun Life members and their customers.

My health insurance plan with Sun Life says 80% coverage for Orthodics which I have to wear in all my shoes and have to re-order every year since my condition worsens.
This year I ordered custom made orthodics that cost 500$. After submitting my first health claim of the year Sun Life rejected it with the classic excuse that somewhere in the contract buried with very small characters there is a limit of one orthodics every 24 months.
However, they never considered to post the same information on the website with my health plan.
Fact that I did not have any claims over the year was not an argument. Also, could not use any of the 100$/month I pay into my plan or to use the very advertised 'flex dollars'.
So now, just before Christmas I have to thank them for the 500$ debt in my account.
I feel like I was miserably robbed with no intend for help from anybody in this institution.
Unfortunately I cannot not choose my health insurance at work but I can witness how low this insurance company can go and how quick is to screw their customers.
I wanted to choose 0 stars value for money since this is what I got but unfortunately that doesn't work.

I'm currently on short-term disability: this company is a nightmare. I had cancer and a subsequent mastectomy; recently had to undergo another very complex surgery that took four times longer than the previous. From the time I woke up in the hospital, Sun Life harassed me with requirements (I was literally all cut up in bed on the phone with them) trying to force me to go back to work early. I had to make phone calls (hard to hold a phone when you're all cut up) and drive to the hospital weeks before my doctor said I should trying to find/get doctors to make repeated phone calls to the Sun Life rep--had to make duplicate doctor appointments to met insurance req--I've been through a couple companies since I've been ill and Sun Life is the worst--my incisions reopened in my abdomen because of them--working on getting better--employers are the only entities that benefit. If you can: STAY AWAY.

I had no choice but to choose Sun life since my company is tied up with them. I applied for Short Term Disability (STD) in January 2016 due to a mental illness I have (depression and anxiety). Could not work so needed time off, so I applied and submitted to Sun Life. Within 3 days they declined my claim saying it is not a physical injury that prevents me from working and further says I'm claiming money for personal reasons!

Being said, Sun Life thinks mental illness is a joke unless I have a disease or in physical pain. A huge disappointment coming from a large corporation to make this comment. And to think in Canada we raised 25 million dollars to research on the stigma on mental illness and Sun life thinks it's nothing. And to think I'm claiming money for personal reasons??

I spend more than $100 to complete this from only to be denied in 3 days. Worst insurance company ever, and now I have to force myself to return back to work with this illness.

This company is the worst to deal with. I pay for coverage through my employer for short-term disability. I had carpal tunnel surgery in September and am still unable to return to work. My surgeon filled out the paperwork stating no use of the right hand. Not sure what more they need. There is a very high chance of another surgery to try to correct the problem. Now more paperwork needs to be filled out by the doctor. What a run around. They say they will return your call within 24 hours. Another crock. It took my member of parliament calling them for the call to be returned. I have not been denied yet but looks like it is going to go that way. I am trying to find out if there is a way to opt out of paying for this as when it is needed, they don't pay. I have never claimed been unable to work until now. I am not asking to be off for the rest of my life. Just until they fix the problem. I would rather donate my payments. Why should I have to pay for something I can never use? This company is a joke. I realize that they make money by not paying out however it is crooked to take money from people if they can never utilize the services that are supposed to be provided that you pay for. Will be talking to my union to see what steps to take to remove this payment from my pay and put it to anywhere but these crooks

My fiancee was insured with Sun Life through her employer and we had a great package (medic, dental, life). When she lost her job, a Sun Life agent contacted her to offer us to continue with the same package but for a higher price which we found worth it. I gave them my credit cart information to activate the coverage.

When we received all our insurance details by mail almost one month after, we realized that we were not getting the same deal, not AT ALL. There is no way we would ever pay what we were paying for that kind of coverage.

We tried to call Sun Life many times and could only leave a voice message, no agents available. They would not even return our calls! We kept trying week after week after week, on a lucky day we would get to an agent who promised that someone more qualified would call us back. Never happened.

In the meanwhile they kept taking payments on my credit card. We also tried by email and kept receiving automatic responses saying they would get back to us in two days... which of course never happened. The last email we received was saying that our cancellation was under review and that it would be processed within 10 open days. 15 open days later, no answer yet and they took another payment on my card.

This is a real joke, I have never seen such a bad customer service. This is close to robbery. If you can get Sun Life coverage with your employer, fine. But never, NEVER deal with them as a private consumer.

You've been warned.

My employer uses Sun Life, so I'm stuck with them. I've even considered other jobs just so I do not have to deal with them. If I could give zero stars I would. Their interface is convoluted and their customer service is atrocious! No one wants to take any accountability and pass you around until you've literally spoken with a dozen unhelpful individuals only to have you give up in sheer horror and disgust. My partner has blue cross and I thought being treated like subhuman was the norm until I spoke with them once. Wow! What a difference!

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.