Sun Life Financial Disability Insurance Reviews

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!

I have been out since the end of September and I decided to put my claim in November 26, 2019. I called this company from November 26 until December 11 to see if everything was okay with my paperwork. They informed me on November 26 that they needed a statement on the accident (occurred on job) and if I see any other doctor info. I was already in my 7th day of processing, so I sent them paperwork on Dec. 11. Now I have to start the process all over again. Let's not forget you can't print no forms online, so you have to wait to receive the information in the mail. How about people that don't have access to a fax machine?

Stage 3b cancer. Need several surgeries, multiple rounds of chemo, radiation, more surgery, etc. They approved my short term disability, but now that doctor put me on LTD, they suddenly don't have any of my medical records. You know, the ones they used to approve my short term. My rep got rude with me when I asked when will I receive an approval. I am paying for Cobra and no income. It's been in their court for months, yet they can't get their information together.

Sunlife just as any insurance company will deny you if you have a sneezing attack saying you have asthma. I wanted a little bit more on the short term disability and wanted long term disability but they denied both. Unless you are healthy and young, don't bother wasting YOUR hard earned money on this company. As with the thousands of 1 star reviews, they are not a good company to deal with. They are a scam!

I have read all the horrible reviews and I personally have experienced the exact same horrible issues everyone else has. One or two people saying they're horrible is one thing but having 98% of their clients terribly dissatisfied is another. I just thought that my case worker (Anita) was mentally handicapped and I was unlucky to be assigned to her because of her incompetence but apparently everyone there will lie to you, lose your paperwork, send faxes to the wrong doctors, stall tactics and try to starve you out waiting on your benefit check. They never waited on or missed a payment from me. I have to call them everyday to make sure that they are doing their job. That's probably the worst part of post surgery and recovery when you add all the stress they cause. We should all get together on a class action lawsuit and force them to be accountable for their actions.

They are the ABSOLUTE worse. The worse. I have a chronic, potentially fatal disease that has landed me in the hospital twice since diagnosis. It is a very rare disease with only 2% of the world having it. And while my specialist, PCP, head of HR and boss all agreed I needed to be on short term disability they denied me time and again because they’ve never seen my disease nor did they understand it. It took numerous letters from my doctors, all my records, etc. and they still denied. They only approved once my HR department got into it after I said I was getting an attorney. I didn’t get. Paycheck for three months while they were “reviewing” my case. My case worker NEVER called and updated me. I had to call them.

Sun Life Financial Disability Insurance is a scam. They take forever to process your claim and won't contact you. They even put down an old phone number from a previous state we'd lived in and called it instead of the phone number on the application. They are liars. They give you the run around. They take your money and deny you your disability. My husband was admitted to the hospital for stroke range blood pressure due to the racial discrimination and hostile work environment at his job. He has been on FLMA and applied for short-term disability. He has been seeing a counselor and placed on blood pressure medication. He was also diagnosed with acute traumatic stress disorder which is a precursor to PSTD. They flat out denied him, trying to send him back to a hostile work place environment. Do not use this company.

I went out on FMLA for a total hysterectomy due to an on going medical condition. My Dr. put me out for 8 weeks of recovery time. I got paid from Sun Life for 2 1/2 weeks. The rep told me even though I had a major surgery I should have been back to work within a month. Despite being on pain meds, having internal stitches and barely can sit up for a long period of time. They feel since I have a sit down job I should be working and not out for a month. Then asked me do I think I need more time to be out and kept asking how I was feeling. Why ask how I'm feeling and see if I need more time if you won't pay me since you think I should have went right back after surgery. How can you tell me how long I should be out if my medical Dr. assigned me a certain amount of time. I will be appealing this claim. Terrible and horrible company! Would recommend to no one.

Horrible Horrible Horrible! They take around the world and again. I heard from the person in charge of my claim once in the whole 2 months. They come up with some ridiculous ways to not approve you. Just really Horrible service. They need 0 stars not even one.

Sun Life Financial is the life insurance provider through my workplace. Have been trying to get supplemental life insurance for many months and they keep dropping the ball and never activating my coverage. I have submitted all evidence of insurability but they can't seem to get things working. Always wait on hold for 15 minutes trying to reach customer service. Terrible experience, terrible company.

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.

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.

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.

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.

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.)

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.

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 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.

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 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.).

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.

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.

I received a charge on my Credit Card for Personal Credit Protector and after calling to cancel future charges was told I needed to call back in 24 hours because my account went into storage when I called and takes that long to open again. I questioned the ability to charge my account when the account was in styorage and Cliff told me that the credit card company billed me and they have nothing to do with it. The credit card company told me that they were billed by the insurance company.

Damages are loss of credit the dealer has reported to equifax late payments therefore not being to achieve credit for seven years. I now have no vehicle to get to therapy therefore the injury is just going to get worse, I' am going to have to go to my family for some kind of assistance for transportation. I feel this is a issue that it is time for a lawsuit.

On 11/2/2001, I was downsized from my job. That same day, I notified my credit card companies that I would need to implement the credit insurance for unemployment that I had been purchasing over the course of the prior two and a half years.

This company plays a little game. I have a contract with them to pay my Discover Card payment while I am unemployed. As soon as I receive my unemployment checks I copy and send to them as prove. They receive them within 4-5 days (mail time)after I receive them. They will send me back a form letter saying they need more information and won't pay the monthly bill on time. I am charged a $35 late fee by Discover.

American Bankers was responsible for making payments to my credit card accounts for the 5 1/2 months that I was unemployed. I was given the run around about getting each/all of the claims started being told to submit paperwork that I had to submit only about 5 or six different times. When they finally started making payments, they made them in lump sum payments to cover 2 or 3 months at a time. Anyone who knows anything at all about credit as they should as well knows that accounts are to be paid on monthly and not quarterly.

We recently began receiving correspondence from the Assurant Group stating that had processed a cancellation for my fathers account. We received 3 letters on the same day with charges dated back to 2/2002. My father died on April 18, 2002, and unbeknownst to us we paid off his account prior to his death, without knowledge of any possible insurance coverage.

My husband, who has been disabled since 1982 and unable to work, had disability protection for the credit card he carried. He supposedly signed up for it with a telemarketer on July 18, 1994 at 4:06 pm (per the Insurance Company's computer records, but no tape on file). He does not remember signing up for this, nor does he remember ever receiving any paperwork for this plan. They have been charging him .79 cents per 100 of charges for the past 7 years amounting to $1,289.88. He, not being savvy to these types of things, thought that the charge was mandatory from the credit card company to protect them because of his disability.