Sun Life Health Insurance Reviews

Okay. Let's get things straight here, I would give a 0/5 for Sun Life in the disability sector. 3/5 to the group benefits. I have been off work due to what I have found out is bad ADHD and a myriad of anxiety disorders that I have been dealing with my whole life, and things have started to go extremely bad aka, almost suicide... I have been doing my due diligence with going to my appointments etc. waiting. Going to more appointments. Until I have finally gotten to see my psychiatrist today. When I first applied and got accepted for my disability claim. It took 3 weeks to get anything done. It took two weeks for my case manager to get a hold of me and confirm. Then after that. It took a week for my claim amount and dates to process. Then somehow a whole week to mail me a check... second time I applied for an extension. It took another 3 weeks to get any money. It is extremely difficult to get a hold of any case manager. As for some reason they aren't actually ever in their office. Why? I do not know. This is a benefits company. You are supposed to be helping people who are disabled or in need of help. These people need quick service. Not a lot of people have a whole months worth of savings to back themselves on to these days. May I mention, we also pay into this. So it is basically our money, to begin with, okay? So I have been diagnosed with bad ADHD and three other anxiety disorders along with a stress disorder. So my fiance and I were not able to pay rent due to 3-week delays, which happened twice now. I have been evaluated and strictly told to take 3 months off work for new medication and a strict plan ordered by the psychiatrist. I have left 4 messages in the last 3 days trying to get a hold of a case manager, to avoid the previous almost month-long delays. It is absolutely ridiculous, unprofessional and stressful. Sun Life financial should be stripped of their licenses and removed from the insurance business. People need money when they are not working. Unbelievably horrible service from this company and I am appalled my company uses them for their insurance and benefits. I could go on all day about the bad experiences I've had with Sun Life. But this will have to do. If someone high up in Sun Life reads this on some off chance. There needs to be some changes

This is by far the worst company I have ever interacted with (in any industry, for anything).

They are currently charging me for vision insurance but do not have me in the system. Because they do not have me in the system, they say they can't be charging me. My paychecks say otherwise.

The customer service is slow, rude, and completely unknowledgeable.

They are inexpensive because in this case, you really do get what you pay for. The hours of time you spend trying to fix their mistakes is worth so much more than the money you "save". If you care about yourself, choose ANY other company.

My company use to use Manulife Financial, then they switched to Sun Life, no doubt to save a buck. Sun Life repeatedly seems to find ways to dissuade me from using my benefits. For example, twice now, they have told me that I needed a doctor's note in order to qualify for coverage of certain health services. Not knowing any better, I paid for a prescription. (not covered) I recently found out that my employer's plan with Sun Life does not require me to get a prescription. Now that I'm trying to get Sun Life to compensate me for the costs that I've incurred due to their misinformation, or should I call it "intentional dissuasion", they give me the run around. It's like they're trying to make it harder for me to use my health benefits. Furthermore, everytime I call them, I'm on hold for at least 15 minutes it seems. I'm not exaggerating. You can't email them without sending a "secure message" through their site. In order to see their reply, you have to log in to the site and view it.

I am convinced that Sun Life purposefully makes submissions a nightmare with the hope that people give up and don't submit.

I sent a submission in by mail. They claimed they didn't receive it. I re-sent via Registered mail, and was confirmed received. They claimed they never got it. Finally, after being on hold for 45 minutes, I was given an internal fax number. This meant hours of effort, frustration and $50.00 in postage.

Submitting Collaboration of Benefits is also a joke. I just tried to submit $683 of alloawable expenses, all within limits online, and was reimbursed $18.00. This will now require yet another long wait and some sort of run around.

These are just 2 examples in a 7-year span of terrible service. It feels hopeless and is unethical business practice.

If you can avoid Sunlife... do so at all costs.

I have had a few issues come up in the past month. My son has had issues that we had to get resolved, I was not informed that a specialist fee was not covered. I had a claim that was told they cover 100%, but now I'm paying almost 400 out of pocket. Fine, I agree if I didn't hear correctly I will admit my wrong, but they kept passing me by saying 3-5 business days, then another 2 business days etc.... I wanted to speak to a supervisor, supposedly they don't have those?! Okay, wasted my time. 5 minutes later Ty (the individual I was talking to) states, "ohh it says here they have reviewed it on the 25th and the correct information was provided to you." Okay, so if that is the case, why have I been talking to you for 18 minutes and you kept wanting to pass me off, why couldn't this be told to me on the 25th of January, or the second time I called on the 30th, or even at the beginning of this conversation? She then states she was just told she could disclose it now. Okay, by who?! A supervisor, I want to speak with one! Okay fine that is a lost cause, now I have another issue and again I have to wait another 2-5 business days.. like what is happening?! I'm losing money left, right and centre, I might as well just cancel the insurance and pay out of pocket.

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.

The staff is the worst. I do not even know how they are working there. When I called them, they only said, wait.. They let you waiting on the phone for long, then they are back and I was told I will pass to the case manager. I have been waiting for a dental disbursement for more than 3 months and so far nothing. I got a call from the "supervisor" - such poor communication. It was hard to understand what he was saying. I called one of the customer service and play the message for him..the customer service just jump to ask..what can I do for you...Don't give the money to this company...for me because I have no choice my workplace is the one paying for the benefit...Don't give money to these people who doesn't care.

So dissatisfied with the way your company made the contract with mine. Why would you allow everyone, but a spouse to be able to use certain benefits? Why wouldn't you allow the benefits I get, to be used for both myself and my spouse? Instead, we have to use money we cannot afford to use to pay for what is important in everyday life. Not everyone is rich and many people, especially the poor, count on these benefits for everyday use. I'm so upset that this is allow this to happen to those with disorders when they need help the most. Rich get richer and the poor get poorer. So disappointed with you guys!

For extended benefits, sun life's policy seems to be to drag out your claims until their claim limits are reached or they found any reason to exclude coverage. Three times I sent in information with different reasons for denial. I terminated my policy with them and submitted a claim. After not being paid I found out they were requesting a referral for medical claims (which BTW we had sent in before, but their policy is you need to send in every 12 months. Most other companies I have dealt with do not require this even once). They sent this information in and I was told that the claim period had ended. I don't understand how this company can deny money entitled to you because you have exceeded their policy periods. They have no problem taking in your monthly payments but do anything to exclude paying out. I agree with other posts as to how anyone can work for this company. They must be paid commisions on how little they pay out for claims.

I have read a comment or two about denials for referrals made by Nurse Practitioners by Sun Life. I have called Sun Life about this as well. They do not recognize Bill 179 which gives Nurse Practitioners the power to prescribe and communicate a diagnosis. Under Bill 179 a nurse can prescribe medication but Sun Life will not pay for it. How does that make sense?