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2.4 32 Reviews

Sun Life Financial Complaints Summary

11 Resolved
21 Unresolved
Our verdict: Engaging with Sun Life Financial, which has a below-average resolution rate, demands caution. Thoroughly assess their service reviews and explore how they handle unresolved complaints. If you encounter issues, document your experiences meticulously and be persistent in seeking resolutions.
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Sun Life Financial reviews & complaints 32

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11:16 am EDT
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Sun Life Financial Partial claim rejection

For over a year I have had a recurring problem with claims for low cost prescription drugs. I am covered by the Ontario Drug Benefit plan for seniors so my cost for most prescriptions is $4.11. For some never explained reason when I submit a claim for a lost cost drug the claim is covered "only up to the reasonable and customary amount" (see example attached).

When I first realized what was happening was illogical, I contacted Sun Life by phone and got nowhere. So in March 2012 I started a long string of messages to Sun Life. I received an apology for the error and a correction followed. I pointed out that this must be a flaw in their process that impacts many clients. In one phone conversation I was told that it must only be affecting me since there are no complaints from other clients. This is likely because the amount of the error is small and no one else notices or bothers to challenge. I too would ignore a one off occurrence, but it has happened many times in the last year and each occurrence resulting in the hassle of messages and a correcting entry.

The amount is small so it really doesn't mean much at an individual level. Collectively though Sun Life is wrongly saving an expense that likely adds up to a nice total.

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10:10 am EST
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Sun Life Financial reduction of benefit

Life insurance policy in force for 15 years. Cover is £100, 000. They have performed a review and decided to reduce cover by more than 40%...overnight!

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2:45 pm EST
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Sun Life Financial refusal of claim benefit

Paid for Short Term benefit for 3 years and unfortunately had to use the benefit for an injury that held me out of work for 8 weeks. Submitted the claim to Sun Life and heard no response. Followed up with Sun Life and then they stated they needed additional documentation. Sent additional documentation. No response. Called again and they said they needed more documentation. Sent more documentation. No response. Called again and they said they needed more documentation. Sent more documentation. No response. Called and complained. Asked for a manager. When the manager returned my call the claim was approved for the first few weeks. Assumed that the rest would be approved. No response. Call and they asked for more documentation on a claim that was already approved coupled with my employer giving them the date I was allowed back to work and they asked for more documentation. Sun Life obviously only pays claims when you call and raise hell. Do yourself a favor and either pick up new insurance carrier if you are not already in a claim and if you are in the middle of a claim, call them everyday so the cost of the call center offsets the beancounters/auditors idea that they should deny every claim.

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9:34 am EST
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Sun Life Financial Tedious UHIP online access

UHIP gone electronic is merely a misconception. All they want is to save the trouble to send all students their health cards;save papers. Students are expected to register, retrieve password, set up account and then PRINT out the HEALTH CARD on themselves.

I am an international student. Health insurance is COMPULSORY for us with Sunlife. This year, our University Health Insurance Plan (UHIP) card can only be accessed ONLINE; requires us to register online. For registration, we need to have our policy number (if you do not keep the old card, our card expires every 8 months or go back to the university to enquire, you would never able to find out), after filling up your policy number, they will show you a online card with an access number, with that you will have a temporary password sent to your email, and this password has expiry date.

I did not log in to sunlife to gain access my card before the expiry date therefore my account is NOT accessible to me unless I call sunlife and speak to a representative, which always take UP A LOT OF TIME to reach. I tried calling a few times but the long wait always made me unable to reach a representative.

Today, I called them at 8AM (since they start work at 8am) to retrive my account. The representative asked me a few security questions and I answered all except for one-my last claim. When we see a doctor in university, we HAVE NEVER RECEIVED any receipts OR acknowledgement that they would be claiming from sunlife. Therefore the representative told me he was unable to help me JUST BECAUSE I couldn't answer one question- when did I make the last claim OR RATHER, WHEN THE UNIVERSITY CLINIC MADE THE LAST CLAIM ON MY BEHALF.

I was feeling EXTREMELY SICK since the night before, and finally made it to the morning for the clinic to open. I have a 24hour trip to Asia from Canada (including a 13-hour flight) at 2pm so I REALLY NEEDED TO SEE A DOCTOR BEFORE I GET TO THE AIRPORT. After much clarification, I told him that it was an emergency, he put me on hold and tried to find his manager to talk to me however he said the MANAGER WOULDNT BE ABLE TO GIVE ME ANY HELP because he/she cant access to my account anyway. I started tearing, crying right infront of the clinic but on the phone, sunlife representative can't help me with anything. I paid my insurance, and when I NEEDED IT THE MOST, the insurance company told me it cant help me at all. When I asked him is there anyone or anywhere or any way sunlife (whom im paying EVERY YEAR) can help me with anything, he said SORRY THERE IS NOTHING THEY CAN DO.

I'm new to this country, I came here alone 3 years ago and I have NO family members here. When I'm really sick, all I can think of is to see a doctor with my insurance plan. The least they could do is help me gain access to my account and allow me to see a doctor (I only had $60 cash with me but it costs $100 to see a doctor) and I HAD A FLIGHT TO CATCH LATER ON.

Very disappointed to sunlife, very very poor customer service.

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9:30 pm EDT
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Sun Life Financial Complete lack of customer service, .

The following is a letter I sent to Sunlife.
No I have not heard back from them in case you're wondering.
Sent to
Mr. Kevin Dougherty
150 King Street West
Toronto, ON Canada
M5H 1J9

I am writing to you about the extremely frustrating and atrocious customer service experiences I recently had with members of your staff.

After suffering diverticulitis I submitted a claim with Sun Life for short-term disability. I received a cheque for $485 for my claim. The amount of the cheque was lower than expected, so I decided to contact Sun Life to ask why it was as low as it was and how the claim was processed and the benefit calculated.

My first call to Sun Life regarding this matter was on Monday, May 7, 2012. I called the number [protected]) indicated at the top of the letter I received with the cheque for my claim. I first spoke to one person who then transferred me to another person. This second person also transferred me, but this time to voice mail. The voice mail notice assured me that my call would be returned one business day, and I left a message with my name and claim information.

I did not hear back on Tuesday, May 8, so I called the number a second time. Again I was transferred, this time to the voice mail of a person named Pam Snee (I’m not totally sure of the spelling of the last name). Her voice mail also assured me that I would receive a response the next business day, and I again left a message.

On Wednesday, May 9, at 8:45 I called Sun Life a third time. I spoke with a person named Tina who transferred me to Pam Snee. Pam questioned me why I was phoning the Sun Life Waterloo office since my case was apparently being handled out of Vancouver and Pam would not able to obtain the details on my case. I found out from Pam that the number I was advised to call in case of questions (as indicated on the letter I received with my cheque) gets transferred to Waterloo if the Vancouver office is busy. Pam also advised me to phone the same number again in the morning and try to speak with someone in Vancouver.

I phoned a fourth time at 8:45 in the morning on May 10. I received no answer, but was able to leave a detailed voice message. Having received no reply, I phoned again at 11:45 that morning and again I left a detailed voicemail message.

Let me emphasise that at this point, 4 days after my initial call and having left 4 voice mail messages, not one of my calls had been returned – in spite of voice mail notices assuring me that my calls would be returned the next business day.

On the morning of Friday, May 11th, I phoned again but was unable to get through at all. A couple of hours later, I tried again and left message number 5. At this point you can understand that I was getting more than a little frustrated, and I called our HR department at work with my grievances. I was told by my HR rep that a person named Joanna Gonzales [protected]) usually looks after claims from our company.

Later that same day, I left another detailed message – this time on Joanna’s voicemail –including my work number and my working hours. I received no response at work, but Joanna had left me a message on my home answering machine saying she would call me back again.

On Monday the 14th, I called Joanna’s number at 8:30 in the morning and left message number 8. Again, my message included my work number and my work hours. I called her number again at 3:20 in the afternoon and left yet another message wit the same information.
At 3:40 I phoned [protected] and I spoke with someone with a name that sounded like Kabongo, who transferred me to someone named Sandy, but the phone line connection was so poor that I was unable to converse with her.
Very displeased with Sun Life service, I phoned our HR department again. This time I was given the name of Charlene King [protected]), who is Joanna’s Supervisor.

At 9:10 AM on the 15th I phoned Charlene King and left a message with her. At 3:45 in the afternoon I left another message with Ms King.

Charlene phoned me back the following day, the 16th. I tried to explain my frustration at getting through to live people and just trying to get an answer to my questions. Charlene did not appear terribly interested in my plight, but apologized and asked me what my phone call was about. I explained to her that I had questions regarding the payout of my claim. She informed me she would look after it.

I did not hear back from Charlene on the 17th of May or the 18th of May, nor the 19th, 20th, 21st, 22nd, or 23rd, so on May 23, I phoned Charlene’s number again and found out that she had gone on holidays. Nevertheless, I left yet another message.

Finally, on May 24, I received a call at work, this time from Charlene Gaynor. She was looking after Charlene King’s case load while Ms King was on holidays. I once again explained my situation and she tried to explain how my claim was processed. She was unable to do so because she didn’t understand it herself, and put me on hold for 5 or 6 minutes while – I assume – she went to get some help to find out how my claim was calculated. When she came back on the phone, she said that she was unable to provide me with the information on how my claim was calculated. She said that she would call me back the following day with the information.

On May 25, I received a call from Joanna Gonzales who was able to explain how the claim was calculated. She determined that the amount I had received was in error because someone had entered the incorrect start date for my claim. Joanna assured me that this would be corrected and another cheque sent out.

I am at an absolute loss of why these things take so long and why it was necessary to leave so many (unreturned) messages. By my count, it took 19 days and it was necessary for me to call 14 times and leaving 11 messages to finally get this matter resolved. I can’t imagine that you would consider this good service or that it is an efficient use of your staff.

I feel that I have been treated scandalously and that if I were to treat my customers that way I would be fired immediately. It is unacceptable that I should have to have gone through this. and the only reason I deal with Sun Life is because it is through my employer’s health care plan.
Just to update, I did receive another payment later on for $65.00

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Seanee
, US
Aug 14, 2015 1:19 pm EDT
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Exact same thing happened with me dealing with Joanne she couldn't even finish processing my claim before she left on holidays and I talked to her manager and she was very helpful and appologized, she thought it was crap that my claim wasn't approved before she left.

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5:00 pm EDT
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Sun Life Financial Costco check

Received a very real looking check from Costco Wholesale for $3875 drawn on the Bank of America General Disbursement Account with a letter from Sun Life Financial (150 King St. W. Toronto Ont, MSH 1J9, Canada saying that I had won a Shoppers Sweepstake Lottery for $125, 000. Checked here and discovered (as I thought) that it was another lottery scam.

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Ourrights
, CA
Aug 03, 2011 6:22 am EDT
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CONTACT:
CONSUMER SOS
http://www.globaltoronto.com/story.html?id=1820568
Sean.OShea@globalnews.ca
sos@globalnews.ca
Toll Free: [protected] ext 5467
or if you’re in Toronto area – [protected]

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2:03 pm EDT
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Sun Life Financial Not paying Life Insurance Claims

My husband passed away on April 1, and Sun Life denied his Life Insurance claim, stating that the conversion papers were not filled out properly from when he went on Disability from work, however they new he was on disability and not working because they were paying his disability payments, but when he died they refused the claim, even though they were taking our premiums every month. Never once told us that the forms were not filled out properly by his employer.

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lyd reyes
, PH
Dec 20, 2017 1:15 am EST

Even for a small claim, Sunlife will not settle. More so with bigger claims-NO SETTLEMENT! Sad to know that many others were fooled by Sunlife and only regretted when claim was denied by flimsy excuses.

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Anne
,
Feb 26, 2015 12:23 am EST

Sunlife has been a pain in the behind lately. I heard that they were doing everything they can to dissuade claims and I didn't buy that at first as I never had problems before. Well, I couldn't agree more recently. I filed for an accupuncture claim two months ago and still is battling with them. My claims, only for a merely $500! Don't entrust them with your life insurance policy. If they are not willing to pay out a legit $500 claim, I can't see them coughing up $100, 000 insurance claim. Do not put your love ones through the pain of having to deal with them. Anyone has problem with them, I recommend filing a formal complain then go to olhi.ca to get the assistance to deal with them.
In short, here is my story.
1. Filed claims online
2. Waited 2 weeks (even though they claimed to process claims within 5 business days) to get notification saying I need to send them receipts through mail.
3. Sent them receipts
4. Waited another 4 weeks
5. Got a notification saying I need to provide the length of treatment and time of treatment.
6. Complied with request, took a trip to the accup office and get the accupunturist to pen in those details on the receipt
7. Faxed (had to beg for a fax number so they can process it faster, they will not volunteer it) information over
8. Waited 1.5 weeks
9. Notification saying I need treatment notes for 12 months
10. Another trip to accup office to get copies of treatment notes
11. Faxed over with a frustrated note attached
12. Waited another 1.5 weeks
13. Today I got another notification, guess...yes you got it right, ANOTHER request
14. I need treatment notes for TWELVE months, the notes I sent them, apparently were not for 12 months.
So I had enough. Are the processors stupid? I faxed over notes for my treatment claims. If I had NOT been to accup for 12 months but only for the treatment periods, how in the world do I give them notes for 12 months, for the period in which I do not go for treatment? Where in the world should I get this information from? They are asking for the impossible.
I had enough. I am going to cancel after this claim no matter what. I have had better health insurance companies at my other work place and will go back there even though I have to pay more.

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7:42 am EDT
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Sun Life Financial customer compensation

I received a letter from Sunlife-Financial in London, Ontario saying I had won $125, 000. Enclosed was a check for $3, 980 drawn on Foxxhole Records, Inc., c/o Gordon & Associates, Encino, CA. The letter said I needed to pay taxes of $2, 980 first and submit proof of that and then I'd get the balance.
What is to stop me from merely cashing the $3, 980 check?

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197976
st. louis, US
Apr 05, 2011 10:09 pm EDT

I have a neighbor who just got this check in the mail today. She is crying because she thinks she won. How sad. I looked up this website for her and she still thinks that she won. PEOPLE! IT"S A SCAM!

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Shane69
Pinellas Park, US
Apr 04, 2011 9:38 pm EDT

Did anyone answer Phyliss's question? What is to stop her from merely cashing the check. I rcieved the same check from the same people but thru Intl. Claim Dept. for the same amount. I assumed that it's a scam but can I cash the check?

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bigjimmy
Staten Island, US
Apr 02, 2011 8:29 pm EDT

so what did you do Cash the check? was it good ? is it legit ? i know someone who got a check also he asked me what i thought told him chuck it . id be really mad at myself if i told him to throw away 3 grand . not to say he'd be pissed too .

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Stephang35
276, US
Mar 31, 2011 3:41 pm EDT
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lol @ not rich! What did the bank say?

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not rich
Steinhatchee, US
Mar 31, 2011 3:27 pm EDT

Thought I was getting rich too! Ha! Just called the bank that it's listed with and it's DEFINITELY A SCAM AND BOGUS CHECK ! DO NOT CASH IT FOR YOUR OWN GOOD!

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Stephang35
276, US
Mar 30, 2011 4:47 pm EDT
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Did you cash it? My mom received the exact same check and letter and we're unsure as to what to do.

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Sun Life Financial Not paying claims

I recently sent in a claim for eye glasses for my wife my benifits cover $250.00, my wife has an insurance policy from her work as well so I we sent in the claim to her insurance first and we received the cheque, so I made copies of the information from her insurance company and sent in the claim to Sun Life and they denied my claim saying that I need to send this to my wifes plan first which I did and sent all the pertanent information to them. I am not sure what they are doing there but it seems to me that they are dening every claim I send in is this some kind of company intiative to deny claims and see if they can get away with it. I am considering looking into getting legal advice because this sure looks illegal to me.

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jacqbur7
, US
Jun 08, 2017 7:32 pm EDT

I just had to post my story. I had Sun Life for Dental, and Short-term disability. My son went to the dentist a few times and the claims were paid, no problem. I had group life for myself and my husband through my employer as well. My husband was diagnosed with Stage 4 liver cancer in November and passed April 19th of this year. To be perfectly honest, I had more trouble with my employer than I did with Sun Life. My employer dragged their feel sending in the necessary information to complete the claim. I took the death certificate to my employer as soon as I received it but she did not send off her portion of the claim along with the death certificate until almost a week later! My employer even told the funeral home representative that she didn't think the claim would be paid. When I heard this I immediately called Sun Life who reassured me everything was fine but that they were still waiting for information from my employer. The Sun Life representatives were always kind and helpful. When my husband took sick, I took FMLA along with an approved leave of absence until his death. My employer said because I was off my claim wouldn't be paid because I was not "at work". My job involved driving patients. Who in their right mind can drive people around when their spouse is home dying? My employer showed no compassion and consideration at all! Sun Life did. I received the check in the mail today and I am grateful to God. The funeral home has been paid and I can begin to go on with life now.

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Jonathan B.
,
Jun 09, 2017 12:03 am EDT
Replying to comment of jacqbur7

It's always good to hear good things about people who have failed you. Glad that Sun Life paid your life insurance claim. As far as we can see after 5 years and many, many hours of study and communications with multiple levels of "customer service" people, they failed miserably in making it clear where our invested money has gone, and seem to have scooped virtually all of the profits were earned on our investments over the biggest bull market in history. That's how it looks from the rock we're sitting on.

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Jonathan CV
, CA
Oct 08, 2016 6:29 pm EDT
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Email just sent to "our" Sun Life Agent:

I'm looking at a June Segregated Funds Policy Statement and find myself chafed again by the convoluted non-information that we have received from Sun Life about our insurance and investments.

I shake my head at the sentence: "Please be assured that your segregated fund contract issued by sun Life Assurance Company of Canada continues to provide guarantees to help protect you against volatile markets." We feel no assurance, and Sun Life has been either unwilling or unable to show us a clear, simple record of money invested, interest payments and rates, withdrawals, and running balance(s).

It's a stunning failure, and we are very, very disappointed.

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Brydon101
Rogers, US
Mar 22, 2013 12:13 pm EDT
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Welcome to the club. Sorry for your troubles and my condolinces on your loss. I've been fighting with them since 2009 on my disability claims. I've been run around so much I don't really know where I'm going. I finally got a lawyer and he helped get me a partial settlement on my longterm policy, of which I had to pay him a part of the settlement. I'm still trying to get my short term disability claim settled. Something needs to be down to this company. Obviously they have a name for not paying their claims. If you work for a company tha has SunLife long and short term disability policies in which you pay, I'd suggest you talk to your HR director and work towards going with another company's policy. This company is really bad on paying up when you file a claim. A bunch of crooks if you ask me. I paid for years and now they won't honor the agreement.

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cat1711
, US
Jun 04, 2011 1:59 pm EDT
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My Husband had a Life Insurance Policy through his employer for over 10 years, he went on disability 2 years ago and passed away on April 1, 2011, I submitted his life insurance claim to Sun Life and they denied the claim after 2 months of dragging their feet, stating that the conversion papers were not filled out properly from when he went on disability, however they took our premiums every month and never notified us that they conversion papers were wrong, now I am sitting here with no life insurance money, and cannot even pay my husbands final expenses. They had not compassion what so ever when I called them.

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Sun Life Financial Not paying claims

I am paying for comprehensive service which means I am covered for major dental work, I called Sun Life to see if the procedure I was considering was covered and the person on the phone said yes so I proceeded with the procedure. Once my dentist submitted the claim it was denied because they indicated that I have already had a major procedure done in the last 4 years and I have to wait until 5 years and this is combined with other procedures which means I am paying for benifits that I am not receiving (does Fraud come to mind). No one expained this to me and there is nothing on their web site that indicates what is covered under these rules how can they take my money and not provide coverage isn't there a ruling body that governs this kind of insurance scam!

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Sun Life Financial WILL NOT PAY OUT

I WORKED FOR A SUPERCONDUCTOR COMPAMEY CONDUCTUS AND WAS BEING TREADED AT THE TIME FOR SOMETHING UNDIAGNOSTED, WHICH
TURNED OUT TO BE NARCOLEPSY. OVERWORKING MYSELF MY SYMTOMS BECAME MUCH WORSE. I HAD A CHOISE WAS GETTING VIOLENT, GIVE ME MY VACATION TIME OR RESIGN. I RESIGNED FROM MY JOB MID 2002.
I HAD TO SUE FOR EDD WHICH TOOK A YEAR BUT WON. THEN EDD DISABILIY WICH TOOK ANOTHER YEAR. THEN SDI WITH TOOK ANOTHER
YEAR. I WAS LOOKING AT MY PAY CHECKS ONE DAY AND THEY DEDUCTED LIFE INSURANCE. IT TOOK ME A YEAR TO FIND CURRENT INSURANCE
NOT "STANDARD" BUT "SUNLIFE". THEY WOULD NOT RESOND FOR A YEAR.
FINNALY GOT A HOLE OF THEM, IT WAS APPOVED BUT DOCTOR SIGATURES, PAYED 300 TO GET THEM (STANDFORD).
NOW THEY SAY IT'S TO LATE. THEY CANNOT PROCESS IT. IT IS HARD FOR ME TO DO ANYTHING, WITH THIS PROBLEM I HAVE.
THIS IS SO UNFAIR CONSIDERING WHAT I HAVE. I HAVE SPENT MY ENTIRE NESS EGG AT SANDFORD.
MY NEPHEW HAS SAME PROBLEM HE IS TEN. OLD MEDICLE BOOK SAY'S IT CAME FROM SOLDIERS THAT DID OVERSEAS SERVICE
IN EUROPE. WORKED SO HARD AND NOW CANNOT DO ANYTHING. SERRAQUILL NIGHT AND ADDERALL DAY TIME.
THANKYOU SUNLIFE.

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Sun Life Financial Short Term Disability Benefits

Despite having paid for disability benefits through my employer for 15 years, I have been cut off short-term benefits after 8 weeks for what they claim is insufficient medical documentation. Sun Life has made me jump through all kinds of loops to provide what they feel is adequate medical documentation, only to continually tell me it is not enough and they cannot grant further benefits, despite a disability preventing me from returning to my job. I am PISSED OFF, and my doctor is angry as he is adamant that I cannot return to work until I get a specialist opinion. The staff at Sun Life have been rude and unreasonable, and I have now sought legal advise. RIP OFF!

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Migulen Paul Salazar
, US
Sep 02, 2019 5:04 am EDT

Hi,
Were based here in the philippines, I would like to raise a formal complaints to one of your financial advisor. Please contact me at +[protected]

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lyd reyes
, PH
Nov 24, 2015 12:33 am EST

Searched on Google about 10 Bad Faith insurance claim practices, I confirm that it is being used extensively. The insurance game is based on the insurere's promise and the insured trust. I recommend that everyone get to read this before getting an insurance.

10 Bad Faith Insurance Claim Practices

Learn about some common bad faith insurance claim practices. If you are dealing with a denied claim after unfair practice, get legal help from an attorney.

Unfortunately, bad faith insurance practices can leave victims without the compensation to which they are entitled following an accident. There are many different types of practices insurance adjusters or companies may use, and some may be left facing an unfairly denied claim. Fortunately, by filing a claim of bad faith, victims of these practices may fight for compensation.

In one case, as relayed by the Albuquerque Journal, a man’s family was awarded nearly $12 million after evidence was presented that the insurance company had altered its records about a week and a half after the man’s accident to make it appear that he did not have coverage. The insurance company contended that the policy lapsed only 90 minutes before the crash. While not all awards will be this large, consumers who are unfairly treated by an insurance company may have recourse to recover damages.

10 Bad Faith Insurance Claim Practices

1. Unjustified delay of settlement. Insurance companies may delay your claim for no valid reason. They do this in hopes that if they take too long, you will just forget about it.
2. Lack of communication. In some cases, the insurance company may not notify you of its decision in a timely manner or may fail to respond to correspondence.
3. Lack of proper investigative techniques. When investigating your claim, the insurance company may use illegal or unethical methods to obtain information regarding your claim. In some cases, the company may refuse to investigate your claim at all and simply deny it.
4. Unreasonable demands. In order to delay the process or find a way to deny the claim, the company may ask for an unreasonable amount of documents in order to start the process. It may ask for items unrelated to the case and deny your claim if you cannot provide them.
5. Lowball offers. In this case, the insurance company may offer an unreasonably low settlement. Do not accept any offer before consulting your attorney.
6. Use of threats. The company may threaten the victim by ordering him or her to do something or to not do something or else the company will refuse to pay the claim.
7. Changing the policy. A company may change the terms of the policy after a claim is filed, and use its new terms to deny the claim.
8. Cancelling the policy. The company may cancel the policy after a person makes a claim.
9. Not disclosing the policy limits. If the adjusters will not reveal aspects of the policy, you may be dealing with a bad faith insurance claim practice.
10. Conflict of interest. An insurance adjuster may attempt to handle your claim and the claim of the other party.

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lyd reyes
, PH
Nov 24, 2015 12:25 am EST

After searching on Google about the 10 bad faith insurance claims practices and reading it, I confirmed that no matter how big the insurance company is, not being honest and fair, there will be lesser future business.

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michae3l butler
, CA
Sep 19, 2015 12:24 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

I have been told by sunlife that I had to apply for government long term disability . at the time I was getting payments from them and was getting my cpp. the government okd my claim and made it retroactive. the retroactive amount was used to pay back the cpp that I received and a lump sum to sunlife. now sunlife wants money back for even more over payment. they couldn't touch my cpp by law and have now cut off my disability payment until they receive their funds. I did not receive any extra funds from anyone and wonder where they think this money should come from.

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djgoodys
, US
Jul 31, 2015 3:00 pm EDT

Sun Life Insurance is ripping us off. I am having the same exact issue. There claiming that because of doctors notes they denying an extension to my benefits. I can't talk to my doctor about it for 4 days to find out what was in his notes but He told me that he was keeping me out of work because my archelles tendon had not healed enough and that if I went back to work now it would just get worse and worse until I would be unable to walk again. Something needs to be done about this for all our sakes!

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Prometheus-675
, CA
Jun 20, 2015 4:01 pm EDT

I had the same experience as almost everyone here with Sun Life Insurance, they denied my first application. So I went directly to a Labour Lawyer as Unions are pretty useless in this field. I had been receiving very nasty letters and emails from both the employer and Sun Life as my lawyer stated after reading them. She read all my doctors notes and two specialists’ notes, she wrote them and within a few weeks I was given LTD for two years with back payments to the day of disability. That was early 2014 now they are pushing me for early retirement lawyer said no to me it’s a usual maneuver as that would pay me much less and you have paid into this system for to many years to lose 40% of your gross pension. The two specialists have both stated that I can't return to this work place or any other type of work due to this condition. So a new battle begins before the two years run out my lawyer will be fighting once again with them for the LTD to continue until I'm fit to return to work or retires. They will tell you it is only LTD for two years look at the policy and read the fine print section carefully two years or until the employee is able to return to work or reaches 65 years of age. My specialists are looking at me and saying your condition isn't going to improve its going to only slowly get worse. One last note these Insurance companies generally use Private Investigators to do surveillance on you, read up on Torte laws very old British laws that are still in use. It defines what these PI's can and can't do. So far I have spent $29, 000 on the lawyer but it has been well worth it that has been over a two year period. I will not work hard and long hours all those years to be just discarded at the end like a used appliance.

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Sunlife, you poor bastards!!
Brantford, CA
May 30, 2015 4:09 pm EDT

Sunlife...everything is better under the Sun...Do Not Believe it from this blood sucking company! Their Dictionary only contains one word...DENIED!
Their agents are rude and lack any compassion what so ever! They laugh at you on the phone, it seems they take real joy in their job 😖. Two years and no LTD, case making its way to court...do not do business with these blood sucking thieves!

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prometheus the revenge
, CA
May 26, 2015 2:03 pm EDT

I would ask all the people who read this blog to watch for Sun Life Financial Questionnaires in the mail, there are 15 questions and some written comments you can add they state it is completely private and anonymous. The questionnaire came from Sun Life but the return envelope states send to 'The Tricorp Actually called the Tri Co Group 1390 Star Ton K1b 9Z9 Gloucester, ON." So if you get one of these letter note above your name there will be a set of about 8 numbers write those done now on the questionnaire look at the bottom left of the page now look at that the same number. It isn't an anonymous questionnaire they know exactly who wrote it and your comments by the number on the bottom left of the form which looks just like a form number :). I'm use to this company and their surveillance tactics. If you get a lawyer because of surveillance problems get one that is good in tort law old British Law. Ask the receptionist if the lawyer is use to using tort law in his business. It will prove helpful with the surveillance as Sun life hires there own people and train them as Private Investigators, tort laws are very solid on what they can and cant do (no grey area). Insurance companies hate lawyers who know tort laws especially the ones who are very good at it.

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TIRED NO MORE MONEY
, CA
May 15, 2015 9:39 am EDT

I have been on Sun Life Assurance LTD for 1.5 years which took $29, 000 lawyer fees and still counting. My lawyer has full access to both my psychiatrist and family doctors. One psychiatrist is considered one of the best in the field, his last letter stated at the end in bold language #### can no longer work at ##### or any other venues. Basically I'm toast after many courses which I'm still taking they just can't get me kick started again. Complex PTSD, Trauma at an early age and through out life, chronic depression, IBS, workaholic, every form of medication and combinations which they have now settled me down with a good combination. Constant therapy, constant harassment from Sun Life. Sun Lie is fighting the portion that states if the LTD should exceed 2 years than it will continue until the age of 65 or until the person is able to return to a working environment.
I'm looking for any comments as we are getting the SUN Life run around again. To be honest I don't have another $29000 to fight them with.

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Gary DeEll
Kentville, CA
Apr 14, 2015 10:14 am EDT
Verified customer This comment was posted by a verified customer. Learn more

Been off work for 5 months, Sunlife will not pay mortgage coverage benefit which I paid into because they say lack of medical evidence even though all the proper forms have been sent in and was put off work by my Dr.
Crooks

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