Sun Life Health Insurance Reviews

My mom died on February 22nd. We went to the funeral home, filed paper work the next day. I contacted Sun Life about my mom's claim on March 20th to find out they never picked up a phone to call the employer to get the employers' documentation. They only emailed the HR rep on the 15th of March. They said they couldn't tell me, but someone to call them. The employer told they never heard from Sun Life. Not until I requested to speak to a manager at Sun Life due to this lack of communication and professionalism. The employer had to send a stack of papers from over 20 years ago when my mom took at the policy. I then had to complete documentation almost every time I heard from Sun Life because they stated they couldn't verify the beneficiary, and myself and brother signed multiple forms to confirm we are the only living next of kin. They also kept changing their story about what was needed for review and couldn't give an eta for the review process. Every time I asked why - well this is our process not we're sorry for your loss, we're to help you through this difficult time. They even tried to blame the employer for not getting the confirmation of beneficiary when the policy was taken out when that's their responsibility for their policy they provide, not the employer. They never give the correct information to the funeral home of Status of the review for them to get paid. I just now got paid. Unfortunately. I can never recommend this company to provide any kind of benefits to my employees if I actually cared about them.

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.