Sun Life Financial Disability Insurance Reviews

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