Sun Life Group Benefits Insurance Reviews

Sun life will do anything they can to not cover you. I have had numerous medications not covered and a root canal that they said I had 80% coverage but by then end of all their tricks ended up being only close to 40% covered. I would not recommend using Sun Life for anything.

I called Sun Life to inquire one simple question about my group coverage. After providing my account number and other details I was put on hold by another customer service person. Was on hold for 45 minutes before they hung up on me. What poor service from such a biggest company. Why are they taking more customers if they can’t provide decent service? Wish my employer move on to some other smaller company.

These folks must be feeling the Pandemic payout crunch. The lead time for claims processing is getting longer and longer and they have resorted to stall and delay tactics to postpone payments of benefits. We will not be renewing with Sun Life for our Group Benefits Plan going forward!

Where to start, we've had so many issues with Sun Life is unreal. Back in December, I needed a stretching device for after my wrist surgery, it is very costly at 1500 a month but with my benefits, it covered up to 5000 for life. We did a pre-estimate and were approved for 3 months. We did the application and got approved there as well. When I got the device, the first month was no problem, they paid in full, but the second month they paid 56, third month, they paid nothing. They made a bunch of excuses, said that they should of paid the first month, it is not covered blah blah, wouldn't even re-read their own estimates and pre-approvals that they sent me! I eventually gave up. Just recently our benefits from 1500 to 1800 lifetime for Ortho so after maxing out 1500 for one child, I tried to process this months braces payment, denied. That claim was ongoing before the raise in amounts so it is not covered. It was covered by another company no questions asked.

AVOID Sun Life

Not a good service for investment funds, their actively managed product have returned in negative. Think twice before putting your hard-earned money in their hands. Also, on top of this, the customer service agents will give different answers every time you contact them.

Not satisfied at all.

This company clearly does not value their customers. I had to jump through hoops to find out my options for benefits, RRSP, etc after being laid off. After getting through to representatives and being assured that my problems were solved, I followed up days or weeks later to find out they weren't. I've resorted to only contacting Sun Life through their online chat so I can document our conversations at this point. Their wait times are reflective of poor customer service. This company doesn't care about your time. They will sacrifice poor service hoping that you get complacent and leave your funds where they are so they can keep making money off of you. Take the responsibility to manage your own currency and investments to save yourself a piece of mind. I'm closing my accounts with Sun Life and truly hope they improve. Their true colours will shine when the depression catches up to the economy in the near future. I feel for those relying on retirement funds from Sun Life - get out now.

I had Sun Life insurance provided through my employer. I was off work due to an ongoing and debilitating degenerative back. After being on long-term disability for a term, I was still deemed disabled by my doctors. Sun Life disagreed and said I was capable of doing SOMETHING. I had only ever been an equipment operator, so I had no other marketable skills. Sun Life in their infinite wisdom put me through a Microsoft office crash course and said I now had skills to be employed elsewhere. Despite my arguments that I was typing at 15wpm and had the most basic of understanding of computers, they stuck to their guns and discontinued my benefits. I hope they all have to go through bankruptcy like I did because of this.

Sun Life has unfortunately been the benefits and insurance provider for both my current and past employer. I have not had worse consistent customer service from any organization in my life, than Sun Life. Congrats - this is quite an honour. In summary... - Their website was designed in 1995 with hidden areas, cross-links, broken links. - Their phone system was developed shortly thereafter...disconnects, connects to the wrong dept., need to enter in your login and password multiple times, only to have to provide it to an agent, when they eventually answer - Escalating calls to a "manager" is a painful experience...don't expect someone to hear you or listen - Their benefits and financial services depts. don't talk to each other, can't help each other, which is a problem given they have a one-window access into both. - Sending a message on their system is like sending snail mail to Santa - expect no response, and if one comes, it's by next holiday season. - Benefits routinely incorrectly assessed. At least once per year for the last several years, I need to bring a manager in to fix the problem. I'm assuming that they are the lowest cost provider, which is why employers select them, however, the dismal experiences over so many years should scream to employers who care about their employers and their associated benefits to look somewhere else. Sun Life feels like a dinosaur who will eventually, at some point, go extinct.

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.