Sun Life Financial Disability Insurance Reviews

Mine claim was/is for wellness, it been over three weeks, they said they will call me back, I'm yet to hear from them although they see my many attempts to reach them. I hate if I have a serious claim to file. I have had life insurance for over 15 years with them, I'm scared if something happen to me my kids will not be able to collect, I best look for a different policy, before it's too late.

Unfortunately my company uses Sunlife for FMLA and Disability insurance. In January I went out of work to take care of my husband. Faxed in all paperwork multiple times, it's always you need to turn something else in. Here it is April and I still haven't received any money and they are still saying I'm missing things. At this point I feel like I need to get a lawyer. Garbage company.

I don’t know where to start. There is no end to the number of times they need to get the same thing, they just keep saying they don’t have it. More than once they have just needed one more thing, then when they eventually acknowledge that they have that, they suddenly need just one more thing that had already been sent, I can’t expect my husband’s MD to send the same thing over and over. I was on the phone with the representative, after being connected to the wrong department several times, debating with him whether or not I sent a blank email before he eventually said it had the dates they asked for. This is all clearly intentional. My HR said they get it this kind of feedback on them all the time.

My advice is NOT take Short-Term/Long-Term disability insurance if Sun Life is offered through your employer. Based on my experience and several others it would be best to create a savings account or research other options. I signed up for supplemental disability insurance through my employer during open enrollment like many of us do, because of that worst case scenario. SunLife Financial was the only company that was offered and being that my employer was a multi-billion dollar resort company, I figured SunLife was a legitimate company, but I was so very wrong! Over a year later, I was diagnosed with what my urologist and oncologist described as a ‘very aggressive form of cancer that required immediate treatment involving surgery, radiation and hormone therapy. I was advised by my supervisor to leave work and begin drawing my supplemental disability benefits.

I experienced a back injury in April of this year that made me unable to walk. I filed a claim immediately, and then used 3 weeks of vacation, and was out another 3 weeks before I was even contacted by Sunlife STD dept. My back specialist called in an urgent MRI and Sunlife said I couldn't have it. I went to my family Dr who also called in an urgent MRI and Sunlife denied it again. They both did peer to peer interviews and sent in all their Dr's notes, and they still denied until 6 additional weeks had passed. That whole time I was laying in bed, because the Dr's couldn't tell what and where exactly the damage was.

This company has one goal and one goal only. They pull whatever ** so they don’t have to pay out what you the customer buys into. It took me 6 months and a whole lot of screaming from the roof tops. I had to submit lost paperwork numerous of times. When the finally processed it they said I made too much money. Which is ** because the plan I brought into supplemented what the state disability didn’t pay me to make up the difference to add up to my normal paychecks making the total payments the same amount. They fought me on this and made every excuse hoping I would go away. I emailed their corporate bosses threatened a lawsuit and like I said ultimately paid me. This fiasco cause me to go into financial ruin and still suffering because of it to this day. DO NOT USE THIS COMPANY FOR ANYTHING. I can keep going on other plans I had to fight for payment but I think this says enough.

If your employer offers this through their company RUN. Don’t waste your time and money. I did everything I was supposed to do far in advance, made sure with my employer that everything would be approved and they denied my claim due to a preexisting condition. I was told I could use short term disability for maternity leave. It was all lies and Sun Life are horrible communicators. I’ll never get the money back I paid into this plan. It’s completely pointless. I was unbelievably sick with complications and respiratory infections that I couldn’t work a second job to save prior to my delivery. They don’t care about anyone. They just want to rob you of your money and your dignity. They need to be investigated but the hard part is that they’re a Canadian company so they can screw people over and get away with it.

If I had known that dealing with this company whatever's altered in the experiences that I've had, I would have never had my surgery to begin with. I had a total hysterectomy after a years of dealing with endometriosis and fibroid cysts. I submitted my claim to the insurance company almost 3 weeks before I actually had my surgery. It took six weeks for me to even get a payment. Whenever I would call to check the status of my claim, (This was after searching for a phone number. Like others have said locating a phone number for this company or actually getting someone on the phone to speak with is almost impossible) I'm told that they would be in contact and let me know what is going on. I never received any communication. I had to proactively check the website to figure out what my claim status is and the one could ever tell me what was going on or where the payments were.

If you use these people, I hope you have savings if you ever need to be out for short or long term disability. I have gone 3 weeks without pay, as a single mother of 3 and it looks like it’s going to be at least another week. When I turned everything in they told me they would contact me if they needed any further information. I was never contacted, when I was supposed to be paid last week, but did not receive payment I called them and they informed me they were waiting on two pieces of information, both of which they had to contact me about, but did not. They are the most sorry company I have ever dealt with. I heard bad things but I didn’t expect it to be like this. I should not have to constantly stay on top of someone to do the job they are PAID to do while I am not being paid. I don’t know how I’m going to make it now.

Personal loan, ATB… 2 years of payment and even though medical doctors and a primary care social worker submitted and confirmed documents submitted… They retracted based on it was a previously diagnosed condition… As the doctor was not in clinic or practicing it was put on my credit report!!!

I’m trying to find out information on cashing out and/or to update my pension information (address, beneficiary, etc) from a former employer who entrusted it to Sun Life. I called the number for the relevant department (1-800-644-3661 option 1). After over 40 minutes of listening to music (not even a call back option or information on approximate wait time) I hang up, googled and called their Customer Care Department only to be told that the number I called originally is the only one that has my information and deals with my pension and the only thing they can do is to transfer me back there (they apparently don’t even have an email address or any other mode of communication).

If I could give zero stars I would...I was told that my claim would be approved and all of my paperwork is in order...My claims agent Mathew stated he would be sending an approval letter via email....Lies...He not only lied once but twice....I will be in dire straits before I receive the first payment from my short term disability claim. ...This company stinks... I am very disappointed in my employer for choosing to do business with Sun Life...They could care less about their employees...I am going to ring the alarm....Horrible....Horrible ....Company.

I was injured at work and filed a claim, it took 4 months for them to process it and another six more to get paid. My claim became long term at six months, that's when they disappeared. Emails bounced back, waited on hold for hours, letters returned. Today, after four years of trying to get through I did. They claimed my case was denied by my doctor, the same doctor who approved my disability pension and workers compensation for the same injury. After telling them that, they said, well your payments from us would have been reduced by your pension and workers comp. Even if it was approved I would get nothing. I paid over ten dollars a week for that insurance, why?

I have been trying to talk to the health insurance for several days. Each time I wait for hours, get transferred to another department, wait and advised to call another day another time another number but despite following that advice I am still waiting for hours, get transferred and told to call another time. Unacceptable to be treated that way for something that is supposed to take a few minutes....

TERRIBLE TERRIBLE TERRIBLE - You have been warned. Total bunch of crooks, and should be banned. I asked to move my funds from them to another provider and it took over 6 months (in comparison I also transferred other funds from another company at the same time and it was one form and 6 weeks to get my money from the other company) with Sun Life it was over 40 emails, 18 phone calls, and around 14 forms. They claimed they had lost some of my forms, and refused to accept them via email and insist they had to be posted but then never posted the ones they had lost, then other forms they said after 6 weeks from them receiving them that they were not filled out correctly?

I’m an insurance agent. My wife insurance through her employer and Sun Life will fight you tooth and nail not to pay you. They denied her short term disability, they are fighting for accident plan. Had to go through hoops just for them to receive paperwork. We been transferred to different departments even though we ask for the legacy department when we call. We upload stuff through the portal and receive an email confirmation but they said they never received it. We email it over. Now we have to prove we pay for accident plan. We send paycheck stub where it shows it’s taken out but they didn’t believe that so we had to go through employer so it’s been a nightmare. I sell insurance and never seen this before. Please stay away from Sun Life.

This provider has hidden practices that allows for them to not payout claims. The staff is rude and continually tries to pressure you into investing money with them. I would not waste my time with this company or trust them with my money. They don't care about the client's needs or well being, they only want your money. A true greed based company.

My daughter was killed last year. I've been very depressed, not able to sleep, anxiety, etc. I tried to go back to work, but I couldn't function. My psychiatrist took me out of work again. My claim was denied bc my psychiatrist named some of the same diagnosis (plus new diagnosis). They denied my claim. They said I couldn't have the same diagnosis from my first claim. Well, I've never lost a child before last year. They have you to get all of that paperwork filled out, just to deny you!! They are trained to say "NO"!!

10/5/2020, underwent bi-lateral total knee replacement surgery. After experiencing delay in STD benefits, reached out to customer service, after lengthy "on hold" period, was told they never received.

An estimate is submitted to Sun Life, they could not find the paperwork; Although the paperwork shows up numerous times on the app/website, but their client services person could not find it on their end; then they forget to submit it to the claims department; Then they need additional information which was already sent to them; In summary, If you are looking for a friendly, customer services oriented health insurance company, stop by somewhere else or have the lowest expectation from Sun Life.

I have had a retirement plan with Sun Life Financial for a couple of years. I've since moved on from my employer and am trying to move the funds to another investment provider. Not only is the process excruciatingly slow, the fund has really started to lose money. Every week they make me wait I'm losing about 1% of the value of the fund. They take forever to respond to questions and don't help if you make mistakes on the paperwork. Avoid this company even if your employer is vouching for them.

I was attending a refund. So, I make the first call, it's fast on the phone but... they mailed it to a wrong address. Ok... it happens. 2nd call, I send my banking account numbers so that it would be faster. Nothing. 3rd call a week later, still no refund even if they tell me that it's on the way. The Lady tells me that she will call me at a specific time the next day to confirm the deposit. Of course, no calls on that day, no voice mails, no missed calls, nothing at all. I began to be fed up. 4th time... after probably 3 weeks... I stayed for 45 minutes on the phone explaining (again) that... I was still waiting. I finally hung up because... well, not going anywhere. Really fed up of the waiting and having to say the story over and over again... while she still is not able to write my family name right.

2 days after having foot surgery Sun Life cut off my long term disability. Appealing but that is taking 5 months so far and they still making exercises to get more medical records. They lie. Get a lawyer and sue.

You might as well not have dental insurance through this company. It's like putting a square peg in a round hole. They don't pay for white fillings that would match your tooth color, only silver fillings. Because everyone wants SILVER Fillings on their white teeth the rest of their life. Dentist do not even do black or silver fillings anymore. Come on SUNLIFE!!!!

Bought their dental insurance. However NONE of the dentists in their website accept this insurance. The customer service doesn't help at all. They just give us the same dentist list, where none of them accept their insurance. I called almost all dentists in the list. NONE of them accept the insurance!!! This is a fraud company everyone should stay away!

I bought the insurance when I first became employed back in the 80's, and it was reviewed in 2002. I have poor eyesight, and I was never verbally made aware of the fact that they would take my Canada Pension Disability, and reduce my disability payments by that amount. Instead it was hidden in a written contract somewhere, that I would've had a hard time to read. After working with an eye disease for many years, I was placed off work by my employer, for poor vision. After my STD ended, I went 3 months with no income while they hummed and hawed about approving me for LTD.

I bought a Sun Critical illness Insurance Term 10 contract 2 years ago where on page 5 and 21 reports as explained by the broker that the cancellation of the contract is possible at any time with the repayment of the installments paid without interest. After the cancellation SunLife sent me 2 checks with a total amount of $33. After several calls Sun Life could not explain why they did not comply with the contract. Now I have to go to court for this fraud. Attention do not trust.

Expect to have extreme issues with this company. They could care less about you, and DO NOT regard any doctor information. They and they alone determine your time limits for disability payments and can and do stop all payments making the person receiving benefits jump through hoops to try and get paid. WORST company I have EVER dealt with.

When I signed up for this insurance I was told, that if for any reason I become unable to work for a period longer than 3 months, this policy will pay me a % of my salary. Dec 2019 I became ill and unable to work. Have been to multiple doctors for treatment. Became eligible for LT disability March 2020. Here it is June 2020 and still getting the run around from them. Now they state I need a diagnosis before my case can be approved. Nowhere did they ever say I had to have a debilitating diagnosis from my doctors. They have received evidence of my condition and statements from my doctor stating I was unable to perform my duties at work. In their letter it states: you cannot perform the duties of your OWN occupation. I have not been released to go back to work. Still no payment. I am calling an attorney.

I became disabled in 2014 after years of back surgeries and an autoimmune disease. Sun Life approved my STD, and subsequently my LTD and provided the Advocator Group to handle my Social Security claim. After I won my SS, Sun Life got the entire back pay award and adjusted my benefit... Sun Life began to harass me after I won social security and even followed me and had an investigator question my neighbors. They tried to low ball me on a settlement (intimidation tactics) and I said no because I knew that my spine was getting worse and I deserve the entire benefit payable until age 65. They kicked me off at age 60.

SunLife the worst company ever for Disability Insurance... Delay delay delay and for what reasons the employee pays for STD thru the employer. Once on STD and the Dr confirms from Day one then the claim should be paid in a timely manner...in our case that has not happen... This last incident has pushed me over the edge... May 4th Dr visit forms faxed to Sunlife... Same forms sent most every time... Again sent May 6th... Contacted Sunlife May 11th..no check. Said no records from Dr... Called Dr again... Now they say wrong fax...

I fell ill and could not work starting 1/24/2020 and was off until 3/09/2020. Sun Life has been awful to deal with. It's now 4/29/2020 and even after I ended up rounding up all the medical records they wanted myself, they now say they are conferring with one of their own nurses on the status. I was promised an answer by today. If your employer uses Sun Life Financial for your short term disability insurance, don't waste your money. Better yet, if that's the best your employer is willing to do for you, find another employer.

I have filed a claim for long term disability with Sunlife on October 4th 2019. 2 weeks ago I was finally approved. But to date have not been told when I could expect money. I sustained as a result of the accident, which happened at work t boned by car that ran a red light hit me doing 85kmh, fractured sternum, 3 broken ribs, whiplash, a concussion, severe muscle strains and a chipped vertebrae in my lower back. This injury is not curable and will have to deal with this for the rest of my life. All the required forms have been in their possession from day one of the claim. I feel abused by this company because of their attitude towards me. If you missed one payment they would shut down your coverage in a heartbeat. I feel abused by this company.

Bottom of the barrel company. I paid for dental insurance all year round and I get a cleaning every 6 months. The last cleaning I got, Sun Life has denied the claim and refused to pay for my cleaning because it was 1 day early in regards to frequency. I tried to appeal the denial because I didn't notice it was literally 1 day early, because my dentist just made the appointment for me 6 months out, they denied my appeal. So basically I paid for the insurance and I have to pay the dental bill. Might as well not have insurance to begin with. Would not recommend, just pay for dental out of pocket.

In 2014 I got sick. After discussing with my doctor I filed long term disability claim. There was 3 month waiting period. During claim process my doctors filled forms and company pulled my medical records. Since then I have been receiving check every month in mail. Helps put food on table. This is what Disability insurance is for. Every some while they confirm my status by having my doctors fill forms and by pulling medical records, which is perfectly fine. I am very happy with my experience with this company.

I have been dealing with severe vision and possibly neurological issues as well as moderate to severe depression since June of 2019. At first I went on short term disability through the government which lasted until the end of September. I will admit that as a young man who has always been able to overcome health issues and provide for myself through physical labour I was hesitant to apply for long term coverage as in my mind I was hopeful for a speedy recovery. Well that didn’t happen and I’m still in the same position I was in when this all started.

I have never been so dissatisfied in my life. Not only do they not get my receipts when I fax them, but their new app also does not work. I was told I can pay in advance for a service and get the funds as long as I write the number of sessions on the receipt. Now my claim was denied. I call in and they tell me you cannot pay in advance and we need each receipt and you can just upload to the app after the service is finished. FOR ** SAKES, the app never works. I upload it, call them the next day to make sure they got it, of course, they did not get it. I upload it again and now they magically got it this time. No one knows their pants from their ** in this place. Everyone is so unorganized and does not know what they are talking about.

They the first month then you can't any more. When you need it the most you get the run around. Been trying since Dec 16 2019. Claims adjuster won't return calls. All I get is some who states he'll forward a message. What do you do.

Late Payments. I have had to deal with this company twice in 10 years with the same results, But in the most recent I was prepared and correctly submitted all my documents along with ensuring they were received on time from my doctor, my employer, and myself by phone and e-mail to include my canceled check for direct deposit. This was easy as I was waiting forever in the last incident to get my money and lo and behold it is happening again.

I have gastroparesis and heart failure and even after having a heart attack in the past was made to wait several weeks for any kind of payment. They always say they didn't get the information from your doctor. Even though my doctor shows me the forms and the confirmation it went through on their fax. Also they never update you on your case and you are made to constantly stress and call them for updates. They have made me wait as long as 6 weeks each time before I receive any form of payment. When you're sick and not able to work, you shouldn't have to go through this. They are all the same. It's their job to not pay you is what they need to say!