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Wife had an abscess, filed claim for coverage before Thanksgiving. Waited until after New Year’s when abscess broke into nasal cavity. Emergency procedure denied! Oral surgeon couldn’t get anyone on the phone for review. This isn’t insurance, it’s a death panel!
If I could give 0 stars I would. Company is taking 2 months just to get paperwork that has been sent 7 times. They kept saying that it was never received frustrating my Dr. office and my job. If given a choice please don’t choose Sun Life.
This insurer is recognized by most suppliers. The certificate/policy number can be retained on file by the service providers we use so payments are processed online quickly and deposited directly to our bank/credit union without having to fill in forms, mail, etc. If a form and receipt are required, these can be submitted electronically to avoid the printing, copying, mailing process.
I was recently on a FMLA leave due to stress, anxiety and health issues. My leave was approved and then doctor submitted for me to go back to work but with intermittence leave.. Was approved until May 2019. Due to reactions to medications I was have issues with ability to do my daily task. Took off more days in intermittence leave. Had my doctor fax multiple times paper work and the now saying denied...It's pending. Waiting paper work...Its take 5 business days.. This has been ongoing for almost a month. How to do approve leave and then try to adjust it.. With my doctors giving you the proof. I can end up losing my job due to their ways of doing the jobs.
Sunlife Financial is only there to protect employers from granting FMLA to qualified employees. They use stall tactics such as delaying paperwork, claiming paperwork faxed over weeks without it ever reaching its destination, and the most clever of all is using a call center where no one ever takes responsibility for stalling and blocking. These people seem very skilled at stalling until one has to cancel scheduled surgeries/procedures due to the never ending "pending" status. This company should be investigated and prosecuted for blocking FMLA claims.
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My husband is very ill. He has Neurocognitive deficits and memory problems. He can longer do the high stress job of an Interventional Radiology Technologist. He did this for 30 years. They approved his claim for disability. But it is only 7 months after the initial review and they are doing another. The started the day after Thanksgiving ending on 12/26/2018. Holiday time real nice time for a review, NOT. This review was a nightmare.
They harassed us and his providers. They received the records requested from all providers within 2 weeks of requesting them. But they kept calling, writing threatening letters, to us and the providers saying they did not have the records when it was already proved that they did. Threatening to cut my Husband off because they did not have the records when they actually did. When the Sun Life rep called on the 6th anniversary of my son’s death to harass me about records she already had, she actually laughed about the death of my son. These people are not human. His providers have expressed to me they felt harassed by them.
They deal with many disability companies and said they have never been treated this way. Also, my husband was approved for SSDI on the first time and got a big check at the beginning of December. Most people have to appeal. It was because I worked my butt off to get this. This allowed Sun Life to get a big reimbursement check thanks to my hard work. You think they might thank me for this. No...just more harassment. Now they only have to pay my husband a little over 500 dollars a month, the rest now comes from SSDI. So why all the harassment SUN LIFE??? Over 500 dollars a month. You are despicable people.
I have a consult with a Disability Lawyer. We will discuss the recent harassment and the unnecessary stress they put on us at Christmas no less. The lawyer will act as a buffer. Write them a stern letter about consequences to them if they continue with the harassment. Heck maybe we will sue. They truly caused us mental, emotional, pain and suffering. My advice to others don’t let them run all over you. Tell them that harassing you is not acceptable and has legal ramifications.
Got tossed around like a ball talking to different associates all the time, and each one tells you something different. They are absolutely horrible with paperwork and either didn't send medical forms at all or sent them to the wrong doctor. I waited an enormous amount of time getting approved and eventually getting a check. I feel bad for any single person that would have to wait that long to feed their kids! I was sick, the absolute worst time of my life and Sun Life made it that much worse.
I was told by the agent that signed me up for STD/LTD insurance that I could continue my policy should I ever leave my company. I have made several calls, sat on hold for hours, literally and gotten a different answer from each person I finally do get the chance to speak to. I received a letter this week stating that I was not going to be able convert my policy since I had not had the policy for at least a year.
I specifically went over this point with more than one agent/broker when I purchased the policy as a condition that I would purchase it and was told several times it would be no problem. This company puts the screws to people when they are in need and it is very, very wrong! I plan to pursue this with legal counsel without end! Agents tell you anything and are not held accountable for their false statements. Terrible customer service... They do not answer their phones, and no one has any answers. The hours of operation for the office I have been trying to reach is only open 10 AM to 2 PM, really? My lawyer is on the ready.
Very very very bad company. I had been waiting for my dental reimbursement claim and they just are passing me from one person to another. They have no answer. One of their staff when I try to explain to him my claim he said, "Oh we don't cover those expenses." Then when I asked him to check the reference. He said, "Ok wait..." He keep me waiting until I hand up. That's their technique make people give up...very bad. Do not give money to this company.
My benefits just switched from Colonial Life and I am so bummed. You have to know the tricks to get the benefits. Read the booklet they give you at open enrollment. I have 5 kids and a husband. If you just do 1 wellness exam you get like $. The employee gets even more. I got like 800 for mine plus mammogram. 150 per child and spouse for simple cholesterol screen. ER visit plus x-ray and 2 follow up visits were like $650. You have to read the booklet. They even give you like 15 months to submit. It's super easy to submit, online via phone or even fax. My baby got juvenile diabetes and ended up submitting just a few forms via fax and boom. We got 1500 I think to help offset the hospital cost. You just have to read that book because it won't cover stuff that is chronic issues. It's more for like emergency stuff. No one knew or believed me at my work but I showed them my checks.
My other daughter sprained her ankle and (Urgent care, x-ray and walking boot) gave her $225. I think even though she didn't break her foot. I couldn't believe it. I saw that if you end up with a heart attack or cancer (heaven forbid) It offsets your cost by sending 10,000.00 That's a good peace of mind to have in case. I never thought my little one would ever end up with incurable type 1 diabetes but she did and I am glad we had Colonial to help with the bills for that horrible time. The people are very nice and you can also track everything on the website plus they sent me emails with the progress. I did have to call once to find out what happened to a wellness claim but it was over the holidays. My only suggestion would be to READ THAT BOOKLET AND DO NOT THROW IT OUT!
I thought I lost mine and asked the H.R secretary lady if I could have another and she said she didn't have any until I was telling her about what I wanted it for and how much I got back. Then magically a copy surfaced and she was asking me all sorts of questions about how did I get reimbursed so much. Just read it. the book tells you the rules. So now our company just switched to MetLife and they only pay $50 per wellness per person. :( I'm not impressed so far. They didn't even send me a book, I had to call and ask them for it. Hopefully it helps someone reading this. No one in my company really knew they could get money and they paid for nothing because our work didn't show anyone what to do. I think our company didn't really want us to use it or something. I don't know the reason but hope this info helps. One star off because they close at 5 and not open on the weekends... and I still have to wait on hold at times. Good luck!
These people lie to you, give you runaround, tell you you're approved and even sending check by FedEx on long term disability and you find out it was never approved and was denied. And your family is sitting in the dark no heat because your power is shut off and it 20 degrees outside. Then you're told the reason you were denied is because before you became LTD you didn't earn enough at work to qualify for LTD. Have you ever heard such bull. Don't waste your money on none of this junk. They cheat you and lie. I hope all you sorry Sun Life people that have lied to me for months a very warm Christmas and I hope and I know you will pay for the lies you told me. Your word is no more trustworthy than dirt. I will cancel every type disability I have with Sun Life because it's a joke.
I thought it would be right to say after my disability and filing for long term disability after doctors told me I was done with work due to my illness Assurant reviewed my case. I had no problem on collecting disability payments on my case and I work with very friendly people knowable within the company. They are very good insurance. I am very satisfied.
After the birth of my daughter I was disabled for a while. I attempted to activate my insurance that I had been paying for and they kept turning me down. My physician had even filled out all the required paperwork and yet I was still turned down. I wish I would have never purchased this scam. Because that is all it is, is a scam. Do not waste any money on this company, they will never do what they say they would when you first sign up!
I selected an optional LTD policy through my employer. I also elected for 125% of my salary which cost more. In September 2015 I had a stroke. After the stroke I was diagnosed with Vascular Dementia. My Neurologist said I would no longer be able to work again. I had to wait 6 months before I was even permitted to submit a claim. After submitting the claim, Assurant said my claim was denied for 2 reasons: 1- I did not remain in the hospital for 72 hours. (My condition causes me to make very poor emotional and financial decisions.) 2- Assurant said that I would live longer than 12 months. (Even the broker who handles the policy said entitlement would last until I was 65.)
If I had known of these limitations, I would not have taken the policy. What would be the sense? I did some searching now and found that Assurant holds many types of insurance. I was not able to find a single review that had more than 1 star. Insurance is expensive and meant to provide peace of mind. Assurant rarely provides this to anyone as far as I was able to see.
Let me start by saying wow this company is a piece of work. My wife had a semi-major surgery and was out of work for 6-8 weeks and this company was responsible for her getting her short term benefit check. What a nightmare. Nothing was ever correct, the amount sent or even when it was suppose to arrive. Some weeks she didn't get a check and upon calling and speaking with the worker assigned to her case we could never get a straight answer. I hope people stay clear of this company.
I purchased an insurance policy from them in early May towards the end of May. I needed to file a claim when my adjuster ** contacted me. He was rude and condescending and made his decision before phone ever hung up. At the time I bought my policy I disclose that I have had a previous claim with the different insurance company. I had another one I did not remember. Some years back, I had a brain aneurysm and a stroke and I was paralyzed for seven months and I have been on permanent disability since then. I even have someone else help take care of me because I forget to take my medications on a daily basis. I am currently a single mother trying to support a son on a very small disability income. In my time of most need they were nowhere to be found and hung me out to dry. I had some very basic necessities taken. I had one pair of underwear to use. My son’s contacts were taken.
They took our everyday things out of our car along with some other items. ** didn't seem to give a rat’s **, he sent it to underwriting and said my policy was canceled. I filed a complaint with GEICO whom I bought the policy through as well as the insurance commissioner for the state of Washington for several days I could not get a return phone call. This past Tuesday I received the news that not only were they not going to process the claim they were going to deny the insurance policy altogether.
I did not lie or withhold information at all. I apologize my memory is not what it used to be. However I did not choose to have a brain aneurysm and a stroke and I assure you I did not choose to be paralyzed for several months or live on disability. I am astonished that this is allowed to happen in this day and age. I sincerely hope that they take a look at this and help me if there's any way possible. I do not want to have to hire an attorney but I will. I also tried to reach his manager **. I placed 9 phone calls and not one was returned.
Off work eff. 07/14 opened LTD disability claim in 12/15. Provided all medical records, workers compensation letter with latest updates. Now they want me to sign an affiliate to forfeit all my future benefits from my physical injury claim (loss of use of my body functions) for them to pay w/ cash benefits started effective 1/19/15 after surgery.
Assurant is so overwhelmed with taking in new business that they cannot effectively handle the customer load at all. You can spend hours and hours and days and days trying to get basic customer service but it has proven to be an impossible task.
BEEN ON HOLD FOR 35 MINUTES. No one ever picks up the damn phone. My doctor couldn't even reach them to verify coverage. Friggin CEO makes $50 million a year but they won't hire any damn people to answer the phones.
Was supposed to get 8 weeks for a C-section birth, but Assurant decided I had an "easy" job so they only approved me for 6 weeks (after the fact, of course). Then they have a 2 week wait period that they do not reimburse for. I paid months and months of premiums to only get reimbursed for 4 weeks rather than the 8 weeks I was led to believe I would get and that I financially prepared for. They left me in a financial mess.
Just as everyone else mentioned, I been asking for my $175.00 refund for over two months. Spoke to supervisor who offered to follow this until I received my refund. Still waiting and still having to call. I will cancel insurance and hope for the best. Unbelievable what these Companies get away with nowadays. This is theft in my opinion.
I arranged to get insurance through them, and 4 days later, I tried to cancel it. I then told them to return payment, and am still fighting to get it canceled along with my money. They are not cooperating.
I will not pay a disability claim that I purchased to protect a small loan. American Bankers paid for a few months, then advised the loan owners that my disability is preexisting. How could they pay for a short period and then determine that my illness is preexisting? Please reach out and advise via email. I have seen no good review on this company and will not stop until I get a resolution or payment. I am still paying the premiums for disability insurance that are included in this loan. I would like to know if there is a class action lawsuit on this company? What is my next move on this? Can you advise me in any way? Thank you for your consideration. The American Bankers Assurant company is the sister company with the company that I work for. Weird.
I called the company to advise them that I have not received a premium notice and that I know a premium is due. I was transferred to several voice mail systems and no one got back to me. When I did speak to someone, they told they could not help me as they did not have access to the information. This has been an ongoing problem with this company. It is the third time that I had to call them because they are not sending me a premium notice. I have had this policy for over ten years. I believe that they are doing this so that they will have a reason to cancel the policy.
As a firefighter, I was concerned about the possibility of a disability and subsequent loss of wages. Four years earlier, I took out a disability policy, which I thought would provide additional income in the event of a disability. Unfortunately, I was diagnosed with a medical condition recently, which prevented me from firefighting. I applied for disability and was given a plethora of reasons why I was not eligible--ranging from non-compliance with FMLA, occupational disability, not paying premiums (payroll deducted); the list goes on. I appealed Assurant's decision twice, and both times, I was told that the board denied coverage. Since then, I have contacted the Employees Benefits Security Administration, and I am waiting on some type of direction.
I intend to exhaust all of my resources to expose this company for breach of contract and recover all of the disability I am entitled to. I remain tenacious and will not succumb. I share these circumstances, so that the hardworking labor force in America is not duped by some unscrupulous, greedy individuals, whose only course in life is to feed at the expense of others.
I signed up for a 3 month TEMPORARY insurance plan. After 3 months I realized they were still billing me. I called, and they told me to fax in a cancellation on my account. I faxed it in, and they billed me again. I called again, and this time somebody answered (on a normal, Monday afternoon) and said everybody was out of the office. She had to take a message, and they would get back to me in 48 hours. Called again a week later, told me they never received the fax. They will do everything they can to keep billing you.
Give their phone number a try....When I called their number each time, it asks you to enter your social security or your insurance number to identify you; no matter what I entered, it said it couldn't find it on file and keeps saying let's try this again. Even when you don't enter anything on the phone, it says let's try this again, please enter your.... It takes about 10 minutes before it finally goes to the operator. This is because they hope people will think, "Oh well, maybe they won't bill me again because I must be out of the system if they can't find my information...but no...they WILL bill you again. This is a scam; don't fall for it.
Scammed me out of $500.
I have a credit card with Bank of America. Noticed I was being billed for CG at $0.518 per $100.00 (insurance that pays your monthly bill if one becomes unemployed, etc.)
I never signed up for this program. Didn't talk to a telemarketer about CG. The product was added to my account through telemarketing slamming. TM needs to meet a quota; TM enters new customer without assent.
I wrote to Bank of America and called Assurant twice to have the fradulant charge removed from my account. B of A wrote me back and told me they had nothing to do with CG. Call Assurant. I used to be in the business. B of A turns Assurant TMs loose on its customer base and is paid for this.
Assurant took my name, account number, etc. twice; assured me that the CG would be removed; and promised to refund to me all the CG fees I have paid so far.
These promises were not kept. The fees continued to be billed to my account.
Why did we move from a regulated banking system to a free for all maket where customers may be regularly abused without, apparently, any consumer protection oversight?
I have a mortage with Waterfield Mortage Company. While reviewing my quarterly statement, I found out that I was also being charged $10.95 for Health Insurance. My wife contacted Waterfield just to find out what health care benefits were covered. However, the person on the telephone could not explain benefits, and instructed her to contact the Insurance Company(Assurant Group, Miami,FL.).
Upon reaching that Insurance Company, I was informed that they, Assurant Group, were carrying me for Dental, and Eye wear. I informed them that I had never authorized this health care. And, particularly I take issue with it being associated with my Mortage. Assurant Group told me that it has been in effect since 1998. I never authorized this! My wife and I have excellent health and dental insurance benefits from our employment.I have asked them to discontinue this insurance, and have asked that they have a Supervisor contact me to discuss this. What are my options?
I have yet to figure out the unnecessary financial cost that were incurred.
My parents have had a Discover Credit Card for years in holding the card they have also had the life and disability insurance on this account. On December 26th 2003 my Father passed from a heart attack. I contacted Discover card and got the usual condolences but they also advised that they would be processing the CREDIT SAFE PLUS insurance policy. Discover was wonderful in the help they gave and the manner in which this was handled by there department. Unfortunatly they had to turn it over to the company that handles the insurance and that is were all the problems begin.
Discover Card assured me that the insurance for which my parents had been paying all this time would cover not only the primary but also the joint card holders. Well the Insurance group ASSURANT GROUP, is saying that the policy has changed and that is no longer the case so they are denying the claim we have filed in behalf of my father.
My parents have paid $.88.1 Cents per 100 on the balance of there account as long as they have had it ... like I said before years. They are now denying this claim because they say the plan changed. I have a copy of the plan from the products and services page of the Discover Web Site somethign Discover told me to go and get a copy of, this information has a date of 2002 Discover Bank on it and was printed off on the 15th day of March 2004. According to the Assurant Group the plan changed in 2002 but it has never changed with the Discover people. Until just recently.
When my father passed it was very unexpected and to our surprise he had no insurance as he had cancelled it years before while my parents were divorced. Mother had no idea that this plan had been cancelled when they remarried and found out after my fathers passing. This has left Mother in a financial hardplace, but this Insurance was paid on this card and the bill was not deliquent nor was it an outrageous amount. The Master policy on the Insurance covers to $10,000 the amount owed is less than $1000, but now they say they will not take care of this bill. I personally have been in contact with several claim agents of both Discover and Assurant. Discover is in agreement that this is something to be taken care of and Assurant is determined to deny this bill.
This complaint actually concerns my 73 year old mother. She suffered a stroke in February, 2004. Since she can not take care of her personal business anymore, I was making an honest effort to see that her bill were taken care of. I contacted Bank One in order to let them know of the situation and was quickly informed that because I did not possess a power of attorney for my mother they could not discuss her account with me. I thanked them for thier time. I also noticed on her monthly statements that she was paying for credit proctector insurance and the telephone number for the insurance company was listed. I contacted the Assurant Group.
The first representative that I spoke with tried to be very helpful; however, there was no record of my mother's account. When I questioned the charges for the premiums that appeared on her statement, I was told that the account had to be researched and that someone would get back in touch with me. A day or two later, I received a telephone call from a claims representative stating that they had not found my mothers account, but they would send me a claim form for me to complete and send to them.
I recieved the claim form, completed the claim form and attached a letter from my mother's physcisian stating her illness and that she was disabled. On March 27, 2004, I received a letter addressed to my mother stating that she did not have coverage because the she was over 66 years of age. My mother was sold this insurance by a telemarketer and has never received any documentation regarding coverage. However, she has paid her premiums every month as required. I have written a letter to the credit card company (Bank One) and sent the insurance group a copy. There will be no payments made on the account until the situation has been settled and I will take further legal action if necessary. What they have done constitutes fraud and they have taken advantage of an elderly person. I will contact my states insurance commission as well as my state representatives. I believe in free enterprise, but not in taking advantage of the elderly or the disabled.
Sun Life Financial Disability Insurance expert review by Joseph Burns
Sun Life Financial offers long-term and short-term disability insurance in addition to its many different benefits packages. This disability insurance helps you keep getting paid in the event that a disability prevents you from performing duties at work.
Critical illness benefits: Sun Life allows claimants to collect an additional payment if they’ve suffered from illnesses such as cancer, heart attack, stroke, kidney failure or trauma resulting in paralysis.
Retirement savings: A disability shouldn’t have to affect your plans for the future. Users can use Sun Life’s program to contribute to a retirement savings plan.
Employee assistance program: Sun Life offers access to a counseling and referral service in the event of legal or financial concerns.
Medical supplement: Sun Life helps users maintain their medical coverage by paying up to a preset amount towards their medical insurance premiums.
Activities of daily living: Sun Life offers an Activities of Daily Living Benefit, which increases disability income in the event of a severe disability, in order to supplement the costs that claimants frequently incur.
Best for: people who have been injured, severely disabled, or suffered from a critical illness.
Sun Life Financial Disability Insurance Company Information
- Company Name:
- Sun Life Financial Disability Insurance
- Company Type:
- Formerly Named:
- United States