WESSELY HILLS, MASSACHUSETTS -- I wish I had read the reviews on this company before I had waited 3 months to be approved for my disability, only to be told my claim was rejected. This disability insurance policy was offered to me as a perk of my employment. I had a chance to take out a policy through Aflac but was advised by my employer that I wouldn't need it because they were paying Sun Life a monthly premium to cover all employee's disability insurance needs. I have no problem with my employer because they truly believed the money would be there when the employees needed it. They were scammed just like I was.
My son was diagnosed with cancer in 2015. After a year of trips from Mississippi (where I live) to MD Anderson in Houston, TX multiple times, chemo and radiation tx, the cancer spreading to his spine and targeted radiation needed to treat this, I missed many days of work that year. I became severely depressed and my blood pressure became so high that I was put on high blood pressure meds and referred to a mental health professional to help me with my severe depression and high anxiety and panic attacks. I began seeing the mental health care professional and she placed me on several anti-anxiety meds as well as anti-depressant meds.
At the time of my referral to this doctor my primary health physician placed me on a 6-week leave of absence because she felt I wasn't physically or mentally able to work. At the beginning of this year I was fired from my job, with no reason given. I'm left only to assume it was due to my many missed days of works and inability to work for several months. After my termination my office manager contacted me to let me know that if I wanted to make a claim with Sun Life for disability due to stress, depression, and anxiety they would help me get it.
We started the process and after three months of waiting and sending this company everything they asked for and then some I was told my claim was denied!!! By this time needless to say I had become very wary of this company and had gone online to read reviews on it. I was sickened to read story after story that were exactly the same as my dealings with this company!!! So when I received the call that I was denied I was expecting it!!! I was told by the senior consultant Kate ** that I would be sent a letter outlining the reasons for my denial and that I had the right to appeal. Seriously??
They know full well you wont ask for an appeal because by this point they have drag this whole process out for 3 months, you are completely broke, and it would take just as long if not longer to appeal it!! They never had any intention of paying my claim from the very beginning. They are complete and total scam artists!! They collect these monthly premiums from the employers, who think they are giving this as a perk, and then when the employee goes to make a claim, most of the time they have been terminated and Sun Life denies the claim.
They know the employee isn't paying that premium so they aren't going to lose any money and there is no way they are going to pay the claim so they drag it out until the employee is completely drained of finances. I wouldn't recommend this company to my worst friend!!! They are horrible to deal with, unethical, and the complete definition of SCAM ARTISTS!! If I could rate them lower than a one I would! If you are offered insurance from this company run!!
WELLESLEY HILLS, MISSISSIPPI -- I have suffered from fibromyalgia for greater than 30 years. In January of 2016, my doctor determined I was in the midst of a significant flare (flares can last from weeks to months!) and filled out the paperwork for me to take 12 weeks of medical leave. My employer submitted the forms to Sun Life. Then the trouble began. Sun Life stated they had requested medical records from my doctor. They did not. My doctor's office faxed my records on my request.
It took nearly 3 weeks for some nurse and then an outside (foreign) doctor to review and DENY my claim! This is an income benefit for which I paid, salary continuation insurance in the event I am unable to work. My employer and broker got involved, but Sun Life would not budge. They REFUSED to send my doctor a letter with SPECIFIC questions regarding my condition so that he could address them for the record.
I have gone since JANUARY without a paycheck, thanks to Sun Life. WORD TO THE WISE: If your employer offers you short-term disability through these people, DON'T TAKE IT! You will spend your money on premiums but will NEVER receive a dime in return.
I was brutally sick for a year with vertigo, head pain, unable to walk, blood flow congestion in my legs and severe pain in my butt when sitting. Sun Life Financial rejected my disability claim and refused to help me. Their rejection letter stated "there was no unifying diagnosis" and "I did not follow through on a regular basis with many of the specialist". Yeah, there was no clear diagnosis. When a doctor told me "I have nothing to offer you", I would try a new doctor. When the new doctor - after ordering new tests - said he didn't know what was wrong, I would try another doctor. THAT'S WHAT YOUR SUPPOSED TO DO! NOT GIVE UP!
One of the doctors wrote a prescription for medication and said "give it a shot". I did, it made me worse. That doctor then wrote another prescription and said "try it". I did, it also made me worse. There was no other medical advice offered. Sun Life's letter also stated they based their decision partly on medical records from a doctor who performed an earlier operation on me. That operation had no relevance to my current sickness. I came through that operation relatively easy and have no idea why he was even included in the letter.
Conversely, Sun Life ignored a doctor who actually helped me regain some walking ability - despite the fact the company made me fill out a long form indicating what diagnosis & treatment he performed. Their letter also downplayed my symptoms claiming since there was no diagnosis it couldn't be disabling. They also downgraded my vertigo to dizziness. Vertigo and dizziness are not the same thing. Vertigo is a brutal, deadly hell - especially when it last continuously for months.
This company plays games. I do not recommend them. Fortunately, I did not pay the premiums - my employer did. Thus, I decided not to pursue legal action. I also had AFLAC insurance. That company was very helpful & I strongly recommend them.
How many of us when we are starting a new job and while you are filling out your paperwork w-2's and such and they say that you can have disability insurance for 2.50 a week from your check just in case you need it for injury or health reasons. So like most if not All of us say "Hell yes for 2.50 a week". That way you will have a check in the event of trouble. Well something does happen and you are glad you bought this EXTRA insurance just in case to help supplement your lost income at a rate of 66% of your normal pay. Well you end up needing that coverage.
After Finally qualifying for SSDI and receiving a ssdi check mind you this is money that was put in there by you for you and now the insurance company says that "Because you are getting ssdi now we are cutting your benefits in half but now you owe us over 16 thousand + dollars that we didn't take off what you get from SSDI from what we pay you a month 16 months ago and even gave me pay raises for cost of living." So now they are Demanding that I give them $16,000.00 full in 14 days and full and unrestricted access to my health record all the way back and including my military record from NAM, the DMV, my bank records, and so much more.
The Release is 3 pages long And they want it for 2 full years. Unrestricted access to my tax returns. I was never told of the when I signed or soon thereafter that I would have to give up my SSDI to them instead of to help me make my bills. Remember they are only paying 66% not 100% of my take home pay. This was never disclosed to me until it was too late and everyone says they can do it. How is it right there was no FULL DISCLOSER like a credit card, etc. When I was hired they didn't have any available so they said.
By hiding this fact it's too late to fight it when you aren't able to work to hire a lawyer to fight it and they know it and take advantage of it too and worse even yet is the law lets them do it. Shame shame shame. This is an abuse of the disabled. So ask your boss about yours. It should be disclosed to you at the get-go. What do you think? I cannot collect on a lottery ticket after 1 year let alone 15 months when I knew I was supposed to do so. I therefore waived my right to it by not doing so in that timeline. But corporation don't have to - they have their own rules and paid for senators and congressmen and the little guy get screwed again.
WELLESLEY HILLS, MASSACHUSETTS -- I have been on medical leave since 07-29-2010. I have sudden and severe RA symptoms. There are many illnesses that can cause these symptoms and I have a few Doctors doing many tests, trying to make a diagnosis. I am unable to work. I can barely do my adult daily living skills. I have had no income since mid-August. Sun Life delayed paying the fee for my medical records and are still delaying my insurance benefits. They say they couldn't review my case without my records. I have received 8 days of benefits. That money allowed me to pay my utilities (to keep them from being shut off for now) and my insurance co-pays for my doctor visits and my medication.
I have been terminated from my job since I exceeded my emergency medical leave act benefits. I am unable to pay my mortgage and need to take over my medical insurance ($760.00 a month) as well as pay my vehicle insurance and have no money to pay for anything. Sun Life told me they could not tell me what they require to evaluate and approve my claim. They referred me to my employee benefits office and the benefits office said only the Insurance company has that information. 2 emails to Donald E Stewart, Sun Life CEO have gone unanswered.
I read that disability insurance companies are not punished for bad faith handling of insurance claims and frequently only pay up the day before you bring them to court. They know that many people give up before court action. It doesn't feel like justice. I have worked in emergency psychiatric services for over 30 years. It is important work and I was good with my patients. I worked with kind, dedicated elite staff. I have a horribly disabling illness that is extremely painful. I am allergic to the medications that might manage the pain. I am unable to do the important work I loved.
Because Sun Life is obstucting my claim I will not be able to afford health insurance, automobile insurance, medical treatment, medications or drive anywhere and will also face foreclosure soon. If anyone thinks someone would go through all of these problems for the subsistence insurance benefits they must be disability insurance executives. I will try to find a lawyer to sue for the benefits I paid for and am qualified for.
I have faith in God that I will get through all of this and that Insurance companies and workers that participate in harassing people will get to pay for it later spiritually, financially and medically. Please say a few prayers for me and them. Thanks Sunburnt.