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We are always open for your comments.
As soon as my plan expired, Manulife began contesting my claims and saying I owed them money. I provided legitimate receipts for legitimate claims that they are supposed to cover. I even paid more for the plan than what I got back! They are still harassing me to this day.
Do whatever you can to steer clear of this company. If the company you work for provides benefits through Manulife, ask if you can opt-out of the program.