Sun Life Health Insurance Reviews

Why does it have to be complicated just to complete your registration?I have provided all my information and still have to wait a week for that registration code, what is the point? Sunlife should find a way to make things easier and faster.

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

It's nice that the online registration gives you the option to send a code for signing up by email or snail-mail (postal) but then doesn't ACTUALLY give you the option to have the code sent to your email! You can only have the code sent by regular post, which takes 7-10 business days! Why have the option when you click "what is this" then not give you the actual option to send via email!?!?

The company I was working for closed the business and all employees made redundant. This was in August 2018. Despite the claim being made in July 2018, the first contact to advise that no payment would be made was the end of February 2019! Denial of claim, then numerous calls and it took three calls to the call centre (offshore of course), and 10 days to get a call to advise no payment. Awful service! I was advised that as of mid-July 2018, due to administrative issues, all claims had been suspended. Why so long and so many calls/faxes/online claims to get the answer? 7 months is astoundingly poor service!

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.

These are your typical insurance crooks. They take a huge amount of money to 'cover your needs' but when you need to be covered, they treat you like a criminal. My child went unconscious and someone called an ambulance to have her rushed to the hospital. Long story short, my claim (which is 100% covered by my policy) was rejected 3 times because they didn't read the receipt properly and said there wasn't adequate information on my GOVERNMENT ISSUED receipt. Their story changes every time and now they tell me I have to handwrite the address of the hospital where she was rushed to and resubmit it for the fourth time. RIDICULOUS!!!

I haven’t even had my benefits for 3 days and I have had to contact Sun Life every day. They got my bday wrong, which prevented me from getting my prescription. I phoned and they fixed it but said: "I don’t know how quickly it will kick in." I phone my pharmacy the next day and they say I still have no benefits, so my pharmacy phones Sun Life and it wasn’t fixed, so now I phone Sun Life to get the benefits I submitted for. I have never been so screwed around by an insurance company. So bad I wouldn’t recommend Sun Life insurance if you were dying.

This last call I made to Sun Life just had me fuming with the way I was being spoken to after being polite and asking for information. The person on the other line did not listen to what I was saying, which was a very simple question about my coverage. When she finally answered my simple question, I was obviously disappointed with the way she handled my call and said thank you only to be hung up on. Very discouraging to call in for information.

Purchased policy when I was 25, not well-formed of high increases during coverage would be the older I got. I’m 55 now, monthly payments have increased so high can no longer afford. Really feel I wasted a lot of money over the years for a service that I feel has taken advantage of me. I would really recommend to not choose this insurance company. Also, the staff was not very accommodating or looking out for me as a client.

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.