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Sun Life Assurance CanadaShort Term Disability Benefits

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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!!

Responses

  • Mi
    Migulen Paul Salazar Sep 02, 2019
    This comment was posted by
    a verified customer
    Verified customer

    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]

    0 Votes
  • Ly
    lyd reyes Nov 24, 2015

    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.

    0 Votes
  • Ly
    lyd reyes Nov 24, 2015

    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.

    0 Votes
  • Mi
    michae3l butler Sep 19, 2015
    This comment was posted by
    a verified customer
    Verified customer

    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.

    0 Votes
  • Dj
    djgoodys Jul 31, 2015

    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!

    0 Votes
  • Pr
    Prometheus-675 Jun 20, 2015

    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.

    0 Votes
  • 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!!!

    0 Votes
  • Pr
    prometheus the revenge May 26, 2015

    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.

    0 Votes
  • Ti
    TIRED NO MORE MONEY May 15, 2015

    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.

    0 Votes
  • Ga
    Gary DeEll Apr 14, 2015
    This comment was posted by
    a verified customer
    Verified customer

    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

    0 Votes
  • Fi
    firebirdgal Mar 11, 2015

    I am in the middle of a disability dispute with Sun Life right now. I have not been paid for 6 weeks even though all info they asked for from my specialist has been provided. My specialist has many degrees and no one else the insurance company can provide will have his qualifications. By the sounds of it, I am in for a huge fight. I'd love to be part of a class action suit against Sun Life in Ontario or even all of Canada. If others want to do this please post it. I will be speaking with disability claims lawyers soon to see if I can fight this with their help but I don't know what to expect.

    0 Votes
  • An
    Anne Mar 04, 2015
    This comment was posted by
    a verified customer
    Verified customer

    OMG, how can this company survive? I am going to cancel any disability benefits payment with them immediately. In fact, I will even cancel my regular benefits too. They have caused me medical distress lately due to their ridiculous requests. They did everything they can to dissuade me from making a $500 claim! How sad is that? I sure hope no one has life insurance with them, it will just destroy your love one having to fight with them. Beware everyone, they are now not only attacking disability, they are moving onto accupuncture claims!!! I even need medical treatment notes supplied to them, and when submitted, it is apparently not good enough. Should I have to tell the doctor how to do his job so Sunlife can approve of him? Incredible!!! Still fighting it, next stepmis through olhi.ca complain. It is an ombudservice for complaints to medical insurance. Is there a class action lawsuit for all these craziness?

    0 Votes
  • Su
    sunlife crooks Feb 12, 2015

    After being sued and LOST for taking 8 months to pay me, Sunlife cut me off with NO warning and despite having NO return to work plan or approval from a doctor for me to return to work. How the hell does this happen? Now I have to spend more money I don't have, to pay a lawyer and am overdrawn at the bank.

    Isn't there any way to sue them or complaints I can file so this STOPS???

    0 Votes
  • Mi
    Michael Stalker Oct 03, 2014

    http://sunlifeinsuranceandkirbyemployee.wordpress.com

    0 Votes
  • Gi
    GivenUpHope Aug 28, 2014
    This comment was posted by
    a verified customer
    Verified customer

    I have paid into Sun Life disability plan for over 14 years. Last year I qualified for LTD and after about 8 months I was advised that I would be considered no longer eligible for further LTD after June. My doctors have all written to them stating that my Depression is still severe and I am not fit to return to work (this includes the Psychologist appointed by SL to treat and monitor my progress).
    I went ahead and filed an appeal and provided medical information on all my medical problems including depression, messed up back, potential hip replacement (awaiting triage assessment), despite having all medical records and letters from my various doctors they have rejected my appeal. In short, they have hung me out to dry,
    Sun Life is a nasty company and does not care about who suffers as long as their bottom line shows a healthy profit. I wish I could take them to court but I simply do not have the resources. The stress involved in this course of action will just make my depression worse so I have decided to let it go. These are mean nasty uncaring people.

    0 Votes
  • Ba
    barbarawalker Jul 24, 2014

    Thank you for your article! It touches my
    heart deeply because I have recently went through something similar 3 years ago
    before all this spells and spell casters madness on the INTERNET started which
    makes people to be confuse and scam them of their money. ALSO IF YOU DON’T
    BELIEVE IN MAGIC AND SPELLS, I THINK YOU ARE MISTAKEN, DON’T GET ME WRONG, I ONCE HAD MY DOUBTS, TOO.

    THIS IS MY STORY: I was married for 6years
    with 2 kids a boy and a girl and we lived happily until things started getting
    ugly and we had fights and arguments almost every time… it got worse at a point
    that My husband filed for a divorce. I tried my best to make him change his
    mind & stay with me because I love him so much and I don’t want to loose
    him but everything just didn’t work out, he moved out of the house because it was a
    rented apartment and still went ahead to file for divorce… I pleaded and tried
    everything but still nothing worked. I was surfing the internet for solution on
    what to do when one Dr. Zigaga of islea
    shrine DUPED me of my hard earned money because I was so desperate to get my
    husband and children back, Dr. zigaga it will not be well with you were ever
    you are. The breakthrough came when Monalisa my best
    friend introduced me to this wonderful, great prophet named Prophet Abayotor
    who eventually helped me out. I have never been a fan of things like this but I
    just decided to try reluctantly because I was desperate and left with
    no choice, behold within a week after
    the regular prayers and proceeding, my parent call me on phone and said that I
    should come home immediately, when I did my husband was with them immediately
    he saw me he came to me and knelt down begging me to forgive him that he was so
    sorry for how he treated me. That it was his mother that made him dislike me so
    much, I was shocked and began to cry because I thought I lost him forever,
    immediately I forgave him and he promised that he will always love me,
    immediately he opt out in filing for the divorce from there we moved into our
    new apartment together. As for Prophet he is real and cleared my doubts, me
    made me belief in thing I never believed in Prophet Abayotor you are the best I
    say Thank you, you can contact him here at [email protected]
    and tell him I introduced you to him.

    0 Votes
  • Kr
    KRice929 Apr 10, 2014

    I am FLOORED and insulted that I have been denied STD as I have been out for several months due to Crohn's Disease. I have no income and this company denied me and was VERY rude and flat out said that I should be able to work...even thought I am:
    losing blood, weight, in severe pain, they received a 40 page medical record, my doctors dont feel that I can work right now, I take 12-15 pills per day...and MORE!!!


    I am a single mother and this stress on top of the illness is over whelming...
    KR - Silver Spring, MD
    4/10/14

    0 Votes
  • De
    DeniseRG Apr 03, 2014

    A person from Sun Life has always called me back within a day when the issue has been about money that is owed to them.

    0 Votes
  • Gn
    gnmbrouwer Mar 19, 2014

    I too have had a long battle with Sunlife. They make it very difficult to receive benefits in hope that you give up. The only advice I can give is document dates, names and times of the calls you make and receive!!! This is what I sent Sunlife after they settled my claim.
    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.
    And no I have not heard back from them.

    1 Votes
  • De
    desperate and ill Feb 27, 2014
    This comment was posted by
    a verified customer
    Verified customer

    Sun Life has ruined my life and the lives of my family members. I was immediately approved, upon application for LTD benefits in May 2008, after STD. This continued until they terminated my benefits in August 2009, based on seeing me out 1 day with my mother via surveillance. I have had 3 IME's...all state i am totally disabled and even a DME that determined i am totally disabled and will never be able to return to work. I am only 34. I have a good LTD benefit, or should have the max monthly amount, but they are arguing the amount of course. I have been in my lawsuit for over 3 and a half years now, lost my home and have spent over 150k in legal fees so far. My lawyer does not seem to be aggressive at all and i do not know what to do. There is nothing supporting the termination if my benefits, nothing supporting their denial of my appeal and absolutely no reason for me not to be reinstated. We have provided SL with over 3000 pages of medical documents and my employer who now uses a different insurance carrier, just assessed my health and determined i cannot work. I do not know what to do. The worst of it is that SL has surveillance on me for over 4 and a half years! I am harassed, intimidated and fearful often fir my safety. One of the PI's has been convicted of 3 counts of assault and SL is paying him to basically stalk me. SL has continually denied most surveillance, only admitting to 17 days (7 in dominican republic -Yes they sent PI's there)My mother and i have severe PTSD. Our lives are utterly terrible. We have done all the analyses of all documentation, have photos of over 100 days of surveillance and well basically have laid out the most straight forward case for a lawyer. So upsetting though, nothing is being done...our trial paperwork came back from the court in September and my lawyer has still not filed!!! I have no idea what to do? This is killing me and my mother. I used to be a pretty amazing, hopeful, successful young lady who happened to become ill. My diseases and illnesses are horrible and I feel like death almost every day and i usually spend my days in my pjs in bed. This is not me. This is not who I was, who I am or who I planned on becoming. I am trying so hard not to give up. SL already owes me over $600k and i have 31 years left on my claim, not to mention damages. SL just will not give up. They even said during our mediation, back in January 2011, that they hope i either give up or get hit by a bus -nice eh? At discovery, they admitted to hiring surveillance as a first option...they did not even attempt to obtain my medicals, speak further with me or contact any of my approx. 26 medical professionals before terminating my benefits and continually denying such. They also totally made up a story that I am a drug addict and in a rehab clinic. I am absolutely not a drug addict, nor have I ever even been referred to a rehab place, simply because there is no reason for rehab! The entire situation is ridiculous but not funny. I just cannot fight everyone...i am sick. SL must pay. SL must be held accountable for their actions (i could and have written over 300 pages or more outlining all their intentional errors and actions, but will not bore everyone here) and I need a lawyer who will actually present the info, not just save for trial. A trial would kill me and there is no reason...everyone states i cannot work. BTW, i received CPP disability benefits approval in under a month after applying and this was before they cut me off. I need help. My story, much like many of yours needs to be told. SL cannot treat people like this, especially the most vulnerable in society-the ill and disabled. Any ideas, please do let me know. I can only try to keep my hope and faith going long enough to see resolution and justice. Right now i hate myself and my life so much because of the hell the insurer has made me endure, that every day it is a struggle not to attempt to end my life. I just cannot let them win and they want me dead cause then they would not have to pay what they owe me and am entitled to. They even cancelled my life insurance, without grounds. What i need is an aggressive lawyer who is wanting and willing to go all the way to the Supreme Court and take a major stand against SL. Then once resolved help others get through these horrific times. I can only pray that I will be able to hold on that long. I mean, really, how much longer should resolution take when the medical evidence, including theirs is so strong in my favour and they have admitted to lying amongst other things...even stating that they know stress worsens my health and that their actions have made me sicker. SL should have to pay similar to the States for damages...literally ruining promising lives, all while earning record profits. Maybe SL should have to pay a few of their billions of dollars the poor sick people suffering at their hand. Thank you for your help and i apologize for my rambling. Take care everyone and try to stay strong, keeping the faith that right will eventually prevail for us.

    0 Votes
  • St
    Steve Boyer Jan 29, 2014

    I notice there is a quite big group of resented people with very similar arguments. I have the same disability case issue with SunLife. I live in Vancouver and considering filling a claim in Small Claim Court. I was wondering if it possible to go in the court as a group. And if yes, why would anyone interested to contact me and we will nail the SunLife together!? Email me with your thoughts at [email protected] Good luck everyone and keep your spirit high!!

    0 Votes
  • An
    AngryNerd Jan 13, 2014

    Sunlife has been screwing me also. I wasn't paid by them for several months.
    Once I hired a lawyer, I won. They also had to pay part of my legal fees.

    It's time that WE stand together and defeat this evil giant.

    1 Votes
  • Su
    SunDead Nov 19, 2013

    Take if from me, if you are covered by Sun Life through your employer, either private or the Canadian Federal Government, you are basically not covered, unless you loose both of your arms and legs and even then... If you are looking for private insurance for yourself or your family, stay away from Sun Life, don't even consider them on your shopping list. They won't approve or pay ###, even if you have all the proof and physical evidence they request. They will offer cheap rates, but they are just window coverings, you will not be covered.

    0 Votes
  • Mr
    Mrs.Clean Nov 15, 2013

    Here's my story. I have been on a medical leave for 7 months now and have received short term benefits for 5 weeks. They originally approved my claim on a "sure, we'll trust you" basis (or so i was told), and then I was denied after the requested "further medical information" was submitted. I appealed, provided more information, and was denied again. I appealed a second time, or perhaps it was my third appeal, but with the help of the independent broker that set our company up with Sun life and 3 months later I still await a decision. During the most recent appeal, they have sent my information to their "health partners" (7-10 business days turned into 4 weeks) and some kind of "secondary appeals department" who, 3 weeks later, have yet to decide my fate.

    In reading the other posts I am not surprised I got the "DENIED. We are not convinced you are totally disabled from doing your job due to lack of medical evidence" response.

    Oh, and one of the best parts of my story is, after the first appeal they even suggested that my company terminate my employment (in a round about way and never in writing) because I was not approved for benefits and also not going to work. They might as well call employment standards for me, and have a human resources officer ready on the other line!

    My advice, as futile as it may be, talk to whoever set you or your company up with Sun life in the first place. They can get more information out of Sun life than you can. Why? I don't know, but it may provide the key you need to approving your claim. Oh, and don't stop harassing them for answers. Call them constantly. Hound them to set up an interview with your doctor if you cannot possibly provide them with this (seemingly mythical) medical documentation they require. Call Sun Life Ombudsman's office. Call the National Joint council. Call a lawyer. Get the word out. Don't let these guys win. I know I won't.

    0 Votes
  • Sp
    Spring06. Nov 05, 2013

    Hello, while reading all of this I got pretty discouraged by what could happen next with my husband and I. He is currently on a short term disability and our doctor gave him a medical leave till February 2013. His company has Sunlife hired to do benefits. We got a letter from Sunlife this week that basically they think that my husband should be on a leave till December 2013 but if husband decides to be longer on a disability leave, then our doctor needs to fill out some forma that we received together with he letter. Now, after reading all of these comments here, I am pretty afraid of what is going to be Sunlife response to us, after our doctor fills out those forms that they (Sunlife) wants him to do. Husband suffers from Bipolar disorder and any ind of stress has a terrible impact on him so I really do not want to deal with a terrible service that Sunlife is providing. Also, we depend on husbands income as mine is too low since i am going back to school, so basically, without his money, we cant afford almost anything. What is your advice?

    Thanks!

    0 Votes
  • He
    HellboySunLife Oct 28, 2013

    I don't know how those Ability Case Manager's (ACM) sleeps at night with a clear conscience. You have to be an evil person to do that job... Playing with people's lives and future, not caring one bit about you or your family with no income. Any medical proof, employer testimonies, specialist, diagnostics you have, they will disreguard it and continuously ask for useless documentation, anything to find something to deny your claim. I am down on my luck now, I think they have wore me out on purpose, the only thing i have left is the rope around my neck, I feel bad for my family but they will be better off without a useless Leech. Sun Life Montreal Federal Gov employee plan drove me to it. SUN LIFE IS THE DEVIL!!! SEE YOU IN HELL ###!

    1 Votes
  • No
    NoIncome Oct 26, 2013

    I am with the Canadian Federal Government, and their LTD plan is administered by Sunlife, I have been sent home by my employer after completing a Fitness Evaluation Report saying I couldn't do my job anymore, my doctor agreed and fill out all the necessary paperwork (Twice), they also have the Health Canada Report saying that I can't do my job anymore, Psychiatrist diagnostic, and Years of recorded information by my employer about my lack of performance due to medical issues. Well, guess what?
    I am now at my Second Appeal, apparently their Sunlife doctors who have provided their second opinion, people who never examined me in the entire life are saying that I can do my job. Talking on the phone with them is Hell, you feel like you're being treated like a liar/scammer, they are looking for loopholes anything to deny you, I have to take sedatives before and after I talk to them... I was told after the fact to tell them and provide them with minimum information, just yes, no answers. My fault I wanted to be honest, that's my nature and tell them and provided anything they needed to approve me. Now I have no more Income, no job and dead in the water...

    0 Votes
  • St
    Stephen From Toronto Oct 18, 2013

    Through my employee being paying into Sunlife for 10 years. They recently denied by claim for STD despite letters from Doctor and Specialist. Sunlife are basically saying that although I suffer from Sciatica that I managed to work with the condition for over a year hence why suddenly go on STD. Hence what I should have done is go on disability straight away instead of trying to work in pain for such a long time. Although my condition is worse they are saying well you managed for all this time. Hence Sunlife ares scamming people with little resource so why pay premiums or accept premiums if after never claiming for 10 years you are disqualified when you try to.

    0 Votes
  • Wi
    Wilton NH Oct 03, 2013

    Sunlife is evil. I had LTD through them for a year. One year mark, I get two people from there on the phone telling me they had watched and all this other stuff. Luckily I have a lawyer. They wanted repayment because I WILL be getting my SSD. They wanted my retro check. It was about that all along. Let this be a warning for everyone who has them for LTD, insurance or whatever. They will go out of their way to make your life miserable. I was sent paperwork, to be signed and returned within 14 days. Today is 7 days and now they are telling me it has to be to them by tomorrow. I had to get it notarized, then fax it to them, and send orginals overnite. This paper I signed was to release them from paying and also so they can not come after my assets ( which is 0) . ALSO! This is something I did not know, and something they DO NOT want you to know, is that they can NOT by law get any of your social security disability ESPECIALLY if you are getting a retro payment check. They have been doing this kind of stuff for a very long time.

    1 Votes
  • Az
    Azcntrygal001 Sep 17, 2013

    I hear all of you, luckily they paid my mom's short term, but it was filed after she died, so there was no need to ask for more medical proof.

    Now I am having issues with them paying her Life Insurance policy. She was only covered for a month when she died so they are pulling every thing they can to say her policy was not valid upon her death because they are losing money.

    Well sadly that is one of the cons of the insurance business. I played their came, and they did not even manage to meet their deadlines they sent in my letter acknowledging my appeal of their original decision. So after the last letter of denial I contacted an attorney who was more then happy to get their hands on this case.

    0 Votes
  • Du
    Duncan Yates Jul 29, 2013

    Cancel any contract you have with SUNLIFE and ask everyone you know to do the same!

    0 Votes
  • Do
    Don Delmonte Jun 21, 2013

    OMG!!
    I'm glad to see I'm not alone. I too have been fighting these idiots at Sunlife. I wont go thru my whole story but suffice to say that Ive experienced all the sneaky tactics you all mentioned. Delays, unresponsiveness, always asking for more documentation...etc. It seems to be part of their training manual!

    Anyways, do any of you have tips on how to successfully fight them? Have any of you taken your case to the highest appeal possible and won? Any resources you can point us to?

    0 Votes
  • Me
    merry knights Jun 15, 2013

    I been in sun life for 2 yrs I had 4 insurance for my family q
    1 for me and for my husband and for my 2 kids and agent always sleep in my house every time she came to my place after 5 months while she was with us her and my husband got an affair and she was wearing short pants while conducting a meeting with her clients which is very unprofessional I don't know why sun life allow their agent to wear short it should be business attire. she was flirting with my husband over 6 month s.

    0 Votes
  • Ra
    RANNMCG Mar 25, 2013
    This comment was posted by
    a verified customer
    Verified customer

    LET'S GET TOGETHER AND CLAIM A CLASS ACTION LAWSUIT AGAINST SUNLIFE.
    I am going through the same thing. Paid into benefits and have been denied. I am the main breadwinner for my family and we are going to have to sell our house due to financial difficulty. My situation... 10 years in high stress executive role with a head and neck injury accident leading to chronic pain and fatigue (fibromyalgia & chronic fatigue syndromes). My company let me go as part of a "restructuring". My lawyer says that the longer we go in the judicial process, the higher the payout but they definitely won't reinstate me and will try to bargain for the lowest payout.
    LET ME KNOW HOW TO CONTACT YOU, IF YOU ARE INTERESTED IN A CLASS ACTION LAWSUIT AGAINST SUNLIFE

    0 Votes
  • Gc
    gcs005 Mar 23, 2013
    This comment was posted by
    a verified customer
    Verified customer

    We have their so called coverage where I work. I am dealing with them right now, in mid December I sustained a hand injury and had to go on short term disability. Filed all the paperwork and the doctors notes stating I would be reassessed mid January. Have submitted another round of paperwork and doctors notes stating I am still unable to use my hand but they are stalling because of the first date given for reassessment. It appears they have decided that is the date I should have returned to work even though the doctor has stated the opposite.

    0 Votes
  • Ak
    aka222222 Feb 06, 2013
    This comment was posted by
    a verified customer
    Verified customer

    I am in 100% agreement. Why don't you do a class action suit for people in these circumstances. How would you solicit these people?

    0 Votes
  • An
    Andrew the lawyer Feb 05, 2013

    I have been a Sun Life participant for at least two decades, mostly through my work then after retirement as a self-employed lawyer. I never knew how bad Sun Life was. My problems are trivial compared to the outrages that I have read on this website. (I'm also feeling guilty because I negotiated the group benefits with Sun Life on behalf of my employer. I never bothered inquiring about how they treated their clients. ) My advice is not to waste much time arguing with this company, exchanging telephone calls, etc. If your claim is reasonably large, get a lawyer. Otherwise, sue them in your jurisdiction's version of small claims court. (Judges tend to despise insurance companies.) Also, publicize how evil and deficient this company really is. I have been so moved by the atrocities that I have read about that I'm beginning to take on cases against the insurers. I feel fortunate that I've been healthy and never had to make a major claim. Most important of all: I'm meeting with my former employer next week (they employ about 9, 000) and recommend they dump Sun Life.

    0 Votes
  • Ak
    aka222222 Jan 28, 2013
    This comment was posted by
    a verified customer
    Verified customer

    Class action law suit - if interested against Sun Life Assurance Company of Canada email Tony [email protected]

    0 Votes
  • Ra
    Rachel Novak Oct 03, 2012

    Why is this company still in business?? They are a joke. The tactics used in reading through these comments exactly mirrors what has happened to me over the past few months. I am very lucky that I recovered and was able to go back to work, but they denied my claim based on inacccurate comments, taking statements out of context though discussions with them, etc. In addition to the fact they are extremely rude and never call you back. When I was at my weakest, they had me going back to the drs office for more paperwork to be filled out etc. I wish I would have found this post before I gave this rip off my hard earned money! I will continue to fight because it is now the principal of the matter, and in honor of all the others that have gone through their psychological stress from these evil people. If would have been out on the streets if I had to rely on this STD Claim! I think they are due for a class action law suit!!

    0 Votes
  • Fa
    FanaticReaction Aug 19, 2012

    I too am in Canada. Insurance oversight is a Provincial matter, so the rules pertaining will vary according to which province you live in. I am in Toronto, Ontario.
    I too have had a rather bitter experience with SunLife regarding long term disability. Since I belong to a trade union I have also had to deal with my union's benefit association. I will call that BA for short. Here is my story. I have a bone and joint disease that I was first diagnosed with in 1994. It is a progressive disease which eventually left me totally disabled and unable to do any job. Because it is a progressive disease, establishing a date of total disability is the first game SunLife (SL) played. Unlike a lot of other posters here, I do not blame the front line workers that handle disability claims at SL. If they were not doing their jobs as instructed, ie; deny all claims and put the clients through hell, they would have been fired long ago due to the sheer number of complaints against each and every one of them. No, the problem is senior management at the CEO, CFO, COO and VP levels, as well as the stockholders.
    In 2004 my disease caused me to have a stroke in my left eye's optic nerve, which initially left my visibility in that eye below 25%. I was hospitalized for a week and started short term disability (STD) with my BA. All funds were paid to me by my BA but for legal reasons, SunLife was the administrator for that plan. After 6 months I switched to long term disability which actually paid me more than STD. Again, SL administered the plan, but the money was covered by my BA. The burden of proof for the initial 2 years of LTD was just being unable to work at my trade. I had to get a lot of forms filled out and had to do constant updates, but the whole process was rather smooth. As I approached the end of this 2 year term, late 2006, SL contacted me and demanded I go to their clinic for an assessment. The clinic was separate from SL, but it was an insurance industry clinic whose soul clientele are people being assessed for LTD. At the clinic there were no doctors whatsoever, although they did try to pass off a Chiropractor that worked there as a doctor. All it took was a couple of questions to determine he did not hold a medical license. I saw an occupational therapist for the most part who was kind of a funny guy, always dropping things when he was near me and acting nervous. I say acting because that was exactly what he was doing. The dropped items were intentional to try and get me to voluntarily bend down and retrieve them for him. I never did. I really cannot bend down in any comfort. After about five dropped things I informed him he could do that all day and I still would not be able to bend over and retrieve them. He acted surprised and denied any subterfuge - from that moment on he acted highly contemptuous and indignant. His new attitude did cure his nervousness and he didn't drop another thing all day. I saw the Chiropractor near the end of the day for about 20 minutes. He was lifting, twisting and moving my limbs around and pressing into my back and knees etc. I told him he had to stop as he was hurting me. I told him if he needed to investigate my range of motions he was just going to have to ask me to move body parts and in what direction and I would move them as fully as I was able. He then quickly asked me to move my arms and legs and neck and I was out of there. When I told my doctor what had happened he told me I did the right thing and should never let a non-doctor examine me like that. I could easily be injured. The burden of proof for LTD beyond 2 years (which by the way is when SunLife actually starts to pay the benefits) is totally disabled and unable to do any work at any job. In early 2007 I was informed by SL that my LTD would terminate in March 2007 exactly 2 years after it had started. According to their assessment I could probably answer phones or work at a trade suppliers. Quite literally, nonsense. Just to see me is enough to know I am totally disabled. My neck will not bend up to allow me to even look in front of me. It is permanent.
    In Ontario we have legislation that allows a person to sue an insurance company with a lawyer that gets a percentage of any award and you do not need a retainer. After living on disability and raising three young teenagers for the past 2 1/2 years (prior to March 2007) I was all tapped out financially. So thank God. I contacted a lawyer and immediately he took on the case knowing full well I would win and he would be paid. It's an evil having someone dip into the money (at 30% plus tax and disbursements) you need to live on for the rest of your life - but the alternative is fight on your own. I was told the whole process of suing would take about a year. It was also told to me almost always the insurance companies settle out of court. As the process moved forward I came to learn that this is done through a settlement conference using an independent facilitator to broker a deal. No one at any time said anything about taking it to trial. In fact, when I asked about what jury's award, I was never answered fully.
    For the year that I waited (March 2007 to May 2008) I took out a huge 2nd mortgage on my house at an exorbitant rate and budgeted really well and managed to make it all the way to the settlement conference. Truth be told, the 2nd mortgage was due for renewal in less than a week and I had no way to go forward financially past that date. I had to settle. If I had not been denied LTD from SL, I would have collected $39, 000 a year until age 62 (I was 48 in 2007). I also would have collected a further $2, 000 a year in benefits my BA would continue - things like prescriptions, dental work, eyeglasses etc as well as about $9, 000 paid into my pension plan. A total of about $50, 000 a year. But like I said, I had no way of going forward financially (short of selling my house for the equity in it) and had to settle in May 2008. The settlement is a one time lump sum payment. The insurance company argued I could die long before age 62 and they would not be required to pay anything after my death. Just like the movie, SICKO. Our argument was i could live to be 85 years old, and they would have to pay me $700, 000 up until I hit 62. We negotiated all day and at 5 pm after many stupidly low offers and with tremendous pressure on me to settle it that day - I settled for $235, 000. On top of that settlement I also got $36, 000 from the government of Canada, an amount that would have been clawed back by the insurance company had I not been denied my claim, for a total settlement of $271, 000. My lawyer got $65, 000 of the $235, 000 and $15, 000 of the $36, 000 for a total legal bill of $80, 000. It left me with $191, 000 in a lump sum. I literally felt like I had been raped by first SL, my own union through my BA, and then the worst of all, the lawyer.
    My health sucks big-time. I probably will not live to be 62, so I can't say whether I got a fair deal. I do know one thing with absolute certainty that I cannot post here. But suffice to say, if and when I know my time is up and I am not going to live very much longer, I will pass away knowing I left this world a better place for everyone else - a little less evil.

    0 Votes

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