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We have Manulife as our company's health and benefits insurer. We have only been with Manulife for 1 1/2 years and I have already had two multi-month disputes with them about honouring claims. They make it as difficult as possible to get your money. You have to jump through so many hoops to get your claim that it is obvious that they just hope you eventually give up and leave them your money. We were formerly with Great West Life. What a shame that our company tried to save money by switching insurers. GWL was so nice to deal with.