Sun Life Financial Disability Insurance Reviews

My husband has chf and at his job he signed up for std, hospital indemnity and critical illness. Well he had an NSTEMI heart attack and was required to wear a Life vest and then an icd placed. They did a 3 month look back for std and went 3 months past it. The "clinician" spoke about appointment in July -Sept when the look back was October 1 - December 31. She stated that his heart attack was a progression of his heart failure. He took one medication during the look back and that is why he was denied. They never mentioned the icd so it's in appeal now. His doctor wrote a note saying he needed 6 weeks off for the icd.

I never imagined that one of the most difficult times in my life would become even more stressful because of my disability insurance. After multiple major orthopedic surgeries, months of recovery, and extensive medical documentation from my orthopedic surgeon, I believed my short-term disability claim would be handled fairly. Instead, I spent months responding to repeated requests for medical records, filing an appeal, and waiting while my case was repeatedly delayed. In the end, my appeal was denied under the policy’s pre-existing condition provision, and I was told to repay the benefits that had already been paid to me.

Nowhere near a good company to pay a premium for any type of disability insurance they offer. They do not have an issue with taking the money deducted from your paycheck, but they take their time to issue your benefits you pay to receive when you are medically unable to work. I was told by 3 separate representatives that my claim would take a certain amount of time to process. Each time I called to check on the process there were other issues and an even longer time to wait. My claimed is still pending as of today because of an issue that is beyond my control. My lawyers and myself have done our part with no results which means the matter is out of our control, yet me the paying customer is being held at fault. There needs to be a change to their policies for when negligence falls on a provider/law enforcement. Not the claimant.

Terrible company, employees must sit around and do nothing. Almost 2 months and nothing has been provided on my disability claim. I have provided everything needed. Scam artists at best.

I am writing this review as a warning to anyone considering Sun Life Financial for their disability insurance. My experience has been Very upsetting and a waste of time dealing with them after never use it and paying for the longest time. Sunlife kept giving me the run arounds, call after calls to a Stephanie and Lori that gave me difficulty. Kept asking me for documentations and doctor's files. I had to hired a lawyer or otherwise they wouldn’t want to pay me what I actually paid. Warning to whoever wants to buy this insurance they made it difficult to pay you so you wouldn’t get your money. Better off with Aflac.

If I could give them a zero I would. Absolute trash! My father became terminally ill in September of 2025 so I applied for PFL. It took a month for me to be approved and there were many forms I had to send. They kept saying I had the wrong paperwork and strung me along. I filled out numerous packs of forms and sent them in several times. My father lived in PA and I reside in New York so it's not like I could go to my dad, get another signature, go to my HR and fax another packet every day.

Sunlife is my husbands std company and they are a home. I started a claim Jan. 19, 2026. He has been in total life support and 3 surgeries and rehab and I still can’t get laid. They keep insisting I need to fill out a motor vehicle accident report. It was not a motor vehicle incident. I can’t speak to a claims representative just a customer service representative that just says they are waiting for this and that when they have everything they have requested. Not a good company to work with.

Adam ** was very rude as a caseworker. Talked to me as if he owned the business. Asked me to have my Dr to send in medical records r questionnaire. My Dr sent in medical records. He went past his time of reaching back out and making a decision then when I called and had him to return call, he called back with an attitude. Then asked to have my Dr to send in questionnaire which could have been sent with medical records. They need to have 1st call resolution classes and anger classes. This would have all been resolved and not cause me a headache and mental breakdown even the more. I would never want to go on medical leave again, I'd rather take my chances and just go through what I'm going through

Please do not waste your money and if you work for the school system and you have a group policy....this is a SCAM. Please get your coverage from another insurance company. I would not recommend this policy to anyone. They sent me $100 a month for long term disability!! Crooks!

Initially was out on the 24 of Sept for surgery. Put in claim then my dr's note said I'd be out until 24 of Nov at minimum. Next dr appt the 11 of November my surgeon sent in all paper work to confirm this but instead of Christine approving it until the 24 of Nov she stopped it the 11 of Nov. This joke of a company said takes 5 days. Welp. Should of been approved until the 24 of Nov. Originally resubmitted my paper work on the 11th of Nov when went back to dr. Now here it is the the 17th and I just got off phone. Talked to some person that can't answer why the adjuster didn't approve til the 24th and why with information they received Oct 10 am I still not getting answers other than Christine cant do her job.

I am writing this review as a warning to anyone considering Sun Life Financial for their disability insurance. My experience has been profoundly disappointing and financially stressful. For years, I paid my premiums on time, trusting that Sun Life would be there for me if I ever faced a disability. When that difficult time came and I needed to use my short-term disability coverage, that trust was completely shattered. Instead of support, I was given the runaround for months. The claims process was a constant cycle of being asked for the same documents, waiting for weeks with no updates, and having to make countless phone calls just to get a status. Their customer service was unhelpful and provided no clear timeline.

Been off work for 2 years and within those 2 years I did physio. Then they tried a return to work plan with company and they cannot accommodate me with the restrictions and limitations that I have, so when my time has hit 2 years they change their definitions that I can work anywhere. And now they cut me off and I have to deal with figuring this out on my own like speaking to a law firm for information and see what doctor will do to help me, this is so stressful and this insurance company has got to be the worse to deal with, case manager is hopeless. Only calls with bad news and can never be reached when I try calling.

Don't waste your money!!! Went out of work in April,2025. Submitted claim and after waiting months was told an extension was necessary. Janet ** and her team of idiots advised me my claim would not be covered, she then said according to our team you can work. Lmao! 10/28 I am having ACDF surgery to fuse my neck, then rebuild shoulder joint. I sold everything to reduce my expenses and relocated to a cheaper area. All because Sun Life wouldn't honor their policy. They called my doc's office, one of the doctors recently left. Did they speak with the other doctor, NO!. That was their one excuse to deny my claim. I hope they go bankrupt and Janet ** and her team lose everything! Jason **

100% a scam. Please don't give these scumbags any of your money. The claim and reimbursement process is a scam. You will absolutely not get any money from them and will be disappointed for paying in every paycheck

They never took my short-term disability claim seriously. For over a month, they kept telling me they had no update because they couldn’t reach my employers — even though they work directly with them. I had to provide all possible contact information myself, only to receive a call more than a month later from someone who showed zero customer care, informing me that my claim was denied. I’ve been paying for insurance that was never going to cover anything — that’s basically theft. The agent who sold me the policy clearly told me it would cover my maternity leave, and now all my benefits have been cut off. Insurance companies are a scam.

I lost my home because of SunLife. Denied my LTD twice, 1st time I could do medium work then it was pre-existing. 15 months it took. I have a bad heart and never knew it until I had a lung cancer screening. My STD paid right away and if it was pre-existing they wouldn’t have. SunLife was supposed to pay 60% of my pay up to $5000 a month and once my permanent disability went through, they would get back most of the money they paid to me because I would get back pay from my permanent disability going back to the beginning of 2024. SunLife was the bridge between the other 2 and they knew they would get paid back. Sadly they ruined my life and could care less because they know the law is written for them and not us. Get a better company for your insurance because they just want your money. When 3 of my doctors said I no longer could do my job or anything else that was stressful and physical, their doctor said I could, go figure. Huh.

If your employer truly cares for you, they will choose another company other than SunLife. The web pages are extremely vague and difficult to navigate. Absolutely NO description of what it covers other than very basic and vague terms. It seems to be designed to completely frustrate you, so that you give up on claiming any benefits altogether. They collect your money until they can cause you enough anxiety to cancel their so called services. I feel like the 30 days of life after a heart attack guideline to benefits is in place, is for them to have enough time to frustrate and full your anxiety to finish off the heart attack to avoid any payout.

Worst company in the world, I don’t know how they're even in business still! They play the stalling tactics, they request documentation from doctors only to wait months before saying they need more documents from your provider! and ultimately they’re looking for any reason to deny your claim. What’s the point of paying for insurance if when you're going to use them they look for reasons to not approve your claim? These thieves should be in prison! Our debts our piling up while these insurance companies our lining their pockets! **!!! How do they sleep as night? They're ruining people! Karma is **!

If I could give Sunlife 0 stars I would. This is who our company used for disability coverage. I signed up for short-term disability and had a baby. They denied my claim saying it's a pre-existing condition. Even though I was pre-approved months ago. Insurance companies should be held accountable for fraud... taking people's money yet denying claims.

This is the worst company and a class action suit needs to be filed for intentionally making claims processing complex and denying claims for sick and disabled people who pay into this. Customer service is horrible, they always disconnect the call then call back and say “oh sorry we were disconnected”. They make paying the claims difficult so you don't want to call back. They change their turnaround times and avoid paying out claims as much as possible.

I have at least 3 disabilities including heart damage and high cholesterol that directly impact how I do my high stress high demand job. I put off going on disability for 9 years so I could continue working while struggling and fighting to keep my head above water with my combined symptoms. But now that my disabilities are getting worse Sun Life denies my STD claim. I have proven legitimate disabilities. I am not able to walk or feel the bottoms of my feet, at times my hands also go numb so I cannot type. Also have brain fog due to severe sleep apnea and Hashimoto's disease.

I am writing to say I finally got someone on the phone that was very nice and helpful! Here is all my issues thank you! Glad to be getting the help after surgery! 💕 Thank goodness he fixed the problem!!!

So far Nathan my claim rep has been on top of everything. I made sure to get him all the required paperwork and my claim was processed with no problems. I could’ve have asked for a better rep. I’m still waiting on the hospital indemnity claim to be approved but I have a different rep for that so we will see. The first hospital indemnity claim I submitted was denied and I completely understand why. So right now I have nothing but good things to say about Sunlife.

Absolutely the worst company I’ve ever dealt with. Denying simple cleanings that you end up having to pay for yourself. Had to file a grievance with the co. First they say was too close together then I give paperwork proving them wrong and they give me a different reason. Then I prove that wrong. Still fighting with company and gonna go to the state for help!

Terrible experience. I can’t get them to pay me. I’m waiting 2 years now. This is ridiculous! They keep asking for more and more information every time I mail them what they ask for. Stay away from this disaster

This company is a joke. The wait time is ridiculous, they come up with any and every excuse not to pay you on your claims. Customer service is rude. Never in my life have I had such a horrible experience with a company until this scam of a insurance company.

This is a trash ins.company I paid for STD ins. for 2 years and then my back goes out and have to have major surgery and they approve time from work without pay this is a joke, I wouldn't use them again if it was free. I been looking up about them and they rob everyone of their money. I don't see how they're not shut down yet

If I could give 0 stars, I definitely would. Always a lie when you have to call them. I get a few payments and then nothing. They claim "waiting on paperwork from the doctor over a month." The Dr claims they haven't received any new paperwork but will fax new notes from past visit. It's always something 🙄. Every representative you talk to tells something different. Worst experience ever. The pay isn't good and the hassle definitely isn't worth it. Worst experience ever.

I filed a hospital indemnity claim for a hospital stay. Sunlife won't pay out because I was admitted for observation. Now I have to either talk to the doctor and have them take out the word "observation" before they will pay. This is absolute garbage, how are they supposed to observe me if I wasn't admitted?

If I could leave a negative 100 I would. The stupidity of Sunlife is beyond anything you've seen. I was approved for short-term disability!! I was supposed to get paid $2,376 on Monday, November 4th. The codons rep Alicia ** said my bank rejected the deposit. I called my bank and they said no record of any deposit came through.

I’ve been out of work for over a month with no pay. This company is so unorganized and unprofessional. They put in my direct deposit information wrong then told me even though It wasn’t my fault there was nothing they could do and I’d just have to wait even though I’m behind on all my bills

They will do everything they can to stretch it out as long as possible to bankrupt you. I am 4 months in on the long term disability and have not seen a dime. I couldn't keep up with my payments for the LTD and I am now getting close to foreclosure on my home. They will starve you out to keep from paying a dime.

I wish there was a ZERO for their voting system. I went on disability for mental health issues and went into crises twice already because of SunLife's embarrassing support. SunLife has no values or honor their promises, they played with my mental health and made everything very difficult. If could combine all the awful reviews into one, and even so, it wouldn't be enough to show my frustration and daily anxiety. Needless to say, the delay in payments has put my mortgage behind 3 months. HR must be overwhelmed with complaints against SunLife. SunLife, no sunlight, and no life coming from it. Actually, SunLife is destroying the sanity in my life, and darkening my exhausting days.

My daughter paid for this insurance and has been off work since October 2023. She filed for long-term disability in March 2024 after her short term expired. It took until June before she received correspondence from the claims adjuster. The lady who called was nasty and said that she was on a sabbatical for 6 weeks and no one does her job when she is out. The adjuster sent two checks and now she is back to square one with no payments and asking for paperwork that she has already received. They cut off her payments and she is back to playing the waiting game again. She has no other income and is not married. She is so stressed about her bills that her health is declining. I need someone who I can contact in this company.

If I could give zero Stars I would. I am a 52-year-old single mother, working for a very large company who uses Sun Life. I was told I needed a total knee replacement that would keep me out of work for 8 weeks. In preparation of being out of work I made sure to save a couple of paychecks worth of income. In addition to this, I contacted Sun Life to verify all of the paperwork I needed so that I would be in compliance for my claim. I also had very detailed questions for my rep about when payments would begin and how much they would be. I was told that it would be a 7-Day waiting time frame, and that my payments would be 60% of my income. I decided to go forward with my surgery because I had completed all of the documents that were required and felt confident that my paychecks I had held and the 60% would get me through the eight weeks needed for recovery.

This company is a disgrace to actual companies that do their job. They are letting me starve when I am owed money. I am disabled from a surgery. Every time I call they say I am not in the system when I am. They don't know how to do their job. I am working hard on our company to drop these unprofessional losers so others don't experience what I have gone through.

What an absolute joke. Unfortunately, I have no choice unless I change employment (I'm trying!!). Every single experience and interaction I have had with this company has been frustrating. They straight up lie to me. I've heard the promise of "getting back to me within 24 hours" so many times that a month and a half went by and still heard nothing. Holding me hostage for a pathetic 150.$ a week. You should all be ashamed.

I had Sunlife insurance for awhile. I decided to cancel it. I called them and canceled as per instruction I was given. They took 2 more partial payments anyway. I had to call my bank and cancel any further payments with my bank. I called again to head office, but they don't know anything apparently. They directed me to the local office. We exchanged emails and nothing. It's been 3 weeks. I was asking for a refund, but I don't think I will get it. So, if you want to cancel Sunlife insurance, don't even bother calling them, just call your bank and stop payments. Otherwise, they will be stealing your money.

Besides numerous “lost paperwork” they have also stated they have tried “reaching out” to me numerous times, funny thing as they have all my information, phone numbers, email. They also have a website I log onto weekly with no updates. While watching the payment I have noticed that they disappear every month the day it’s due in my account.

What a complete joke of a company. You can’t run any type of good business when the people that work for your company have zero compassion. They only gather information to somehow use it against you. BEWARE. This company will NOT HELP you. They will only tear you down and do anything they can to NOT give you the money you so desperately need. I wish more people read these reviews and less business had this company as insurance. Because if you’ve ever had the displeasure of working with anyone here. You know how truly bad it is. It’s a disgrace honestly. They should be ashamed of how they treat other human beings, but they are not. This company would prefer you lose everything you’ve worked you’re entire life for versus actually helping you. PLEASE FOR THE LOVE OF GOD, DO NOT USE THIS COMPANY. PLEASE.