Sun Life Financial
Reviews and Complaints

Plan# 102657 I have been on long term since Oct 23rd 2018. Today for some reason my pay did not go into the account. I have tried reaching sunlife to find out what the issue is and have been unsuccessful at reaching them. I am still on hold now for 1hr 24mins. This is the third time I can prove that they have either messed with my pay or with our medical claims. Currently I suffer with complex regional pain syndsdome (lefthand 2 fingers work), psoriatic arthritis, psoriasis, I am recovering from stomach cancer, peyronies disease, two ruptured discs, stenosis, fibromyalgia, depression, anxiety, mold growing in my ear because of dead skin cells due to psoriasis, aseptic prostatitis, sleep deprivation amongst others. I have seen three surgeons, 3 pain specialists, a psychotherapist, a dermatologist, cancer specialists etc.

My doctor just filled out that I am completely disabled again for OSAP on April 28th 2022.

I spoke with an agent from disability about my condition in May of 2022 and provided them with my information, at which time they said another agent would call me in the coming weeks. That agent has still not called but the the pay has not been provided today. The fact that I cannot get a hold of anyone is completely ridiculous we cannot deal with our insurer whom I pay extra for this long term.

I've had my life plan nearly 30 years. Since it was acquired by SLFC, they have been applying charges that are not defined in any documentation. Along with very poor management of funds which the documentation says will be "expertly managed", this has dramatically run down the policy value. In the last six years they have reduced the benefit on death by circa 80%. I first raised my complaint in October 2021 and I am still waiting for a response to the queries raised. All I get are holding letters. Terrible service

Why does Trevor Miller want rid of my book of business ? Sun life are the bigest bunch of scum bags, just pieces of dog [censored] . Well dog [censored] is usefull good for the garden. Sun Life are worse that dog [censored] . See e mail below

So far to embarrassed to respond? Weren't to embarrassment to tell us to go to another Investment firm, Investors Group, Insurance provider! In Shellbrook! To make Insurance contract updates or payments. Way better at Canada Life. So far Canada life haven't called law enforcement when we go to there office to make Life Insurance payments or policy changes, which Sun Life TEAM said that they would. Nice Sun Life

I worked at Emco [protected] in Calgary Alberta. Forgetting about my paid into pension etc I moved on with my life etc...moved to BC and am now working at Emco in Victoria.

I realized that I should have an account still/money from paying into for 2 years but called you guys and you have "nothing but the current emco on file."

What happened? Where are the records? Where's my money?!

My grandfather clause is for 10k for prescriptions. My first claim with sunlife was denied. They said I was over my maximum. I said
I just retired. It took them 6 months to give me an answer. In 2018
I went to California while I was there I fainted sand had to be taken to the clinic.they asked for my insurance and I gave them
my Rbc insurance that I always buy from my bank. The claim was for 17k that I worked with Rbc. I never put a claim in with sunlife.
Somehow they applied that to my group company grandfather clause. I do not think this is right. May I know what you think.
Regards
Fred

I have purchased a policy that matured in jan 2020. I asked sunlife to pay for the policy. Sunlife bombarded me with requests claiming that they didn't have my documents, then used all tactics not to pay it. I have asked for explanation of the return on my policy and they simply shoved it aside.

It has been 5 months will date and there is no date in sight for the settlement of the policy.

Does anyone know a good lawyer for me to use?
Thanks
Samer

Beware of sun life financial

They will steal your money. They are thieves. They have no "customer service" because they just don't care!

My mother is 96. She opened a Money Market Account 3/21/1991 for $18, 219.08. This account was valued at $26, 670.43 on 2/20/2000. We closed an insurance policy in January with a value of less than $13, 000. Sun Life emailed me today that this was my mother's original investment with all interest included! This of course is a lie.

Despite many promises to return my calls and emails, they have avoided discussion of my Mom's policy. It is awful the way they have treated my mother and I and I really resent it.

Tony Raymond

973 Circle Drive

Baltimore, MD 21227

[protected]

[protected]@hotmail.com

I am filing a complaint against one of your disrespectful representatives, who presumptuously assumed me to be "slow" and began speaking to me as though I had a mental disability.

I don't know where that stupid Representative received her information from regarding me, as I do not have any type of mental disability, but I am filing a complaint against her. I made it clear to her to speak to me at a normal pace, as I am neither deaf nor slow. Yet, she continued in her foolishness.

If this is how your representatives treat people like me, then this is a terrible institution. I want that woman terminated. Immediately.

Sick to death of these adverts about funeral plans - it's every commercial break. I know where I would like to stick those pasnips! These adverts are not at all necessary in the amount that is being screened. I for one do not have to have these wretched adverts rammed down my throat! Spend the money elsewhere like improving the health service or education. Please get them stopped!

I have been waiting for a medical refund from Sun life now since August of 2017, I have submitted the requested information several times which included proof of payment, getting a new prescription from the medical doctor amount other stuff. Called in several times spoke with both the rep and supervisors with no real assistance or clear indication as to when to expect my refund. Was told last last month December 2017 that my provider is under review, what does that have to do with me the client / customer. In the mean while who is paying for my credit card interest which is 19.9% interest rate. I am not a rich person and is living pay cheque to pay cheque. right now the whole situation has left me feeling helpless I need my money $1200 is a lot in this hard time.

Sunlife Financial Phils.
1. Contrary to public perception of being reputable because it is popular, when claiming Sunlife imposes strict and irrational excuses for not paying claims.
2. Sunlife as I had found out, took advantage of their verbious and complex policy clauses and also undeclared company policies/trickery to dismiss a valid claim. I was guided by Googling "10 bad faith life insurance claim practices" and "complaints against Sunlife".

My wife was injured very bad and has been seeing neurologists, family physician and physiotherapist all have deemed her in able to work and Sun life finally approved her claim but they made her go back to work to quickly and irritated the injury so all the doctors cut back her hours, now Sun life decided to terminate her claim because of it. It's almost Christmas time, can't pay our bills and mortgage. What do we do? They only stopped her claim because her doctors modified her hours from what Sun life "feels was appropriate ".
She is getting so stressed out I don't know what to do. They also will not return phone calls.

My husband, gale house, is an employee of ats in Kansas city, missori. Drs. put him on short term disability in may 2016 and its now August and he still has not gotten one cent of his pay from sun life. They have all his dr records, and he has an appt coming up at Kansas city university hospital with a pulmonologist. They haven't seen him yet, and they do not want him going back to work until it is known what the problem is with his lungs. Sun life keeps sending his records to their own "medical review" who hasn't seen him to make a diagnosis. The person at sun life in charge of his claim is, Karen cue. We do have a lawyer now to handle this and I've also been in contact with better business bureau. I've sent them all the info they asked for so far

I am sharing this article in the interest of truth and justice. You may search "Mrs. Fidler and Sunlife of Canada" for more articles. Fidler: Expanding the Reach of Contractual Damages, or Developing a New Model of Compensation? August 1st, 2007 by Rebecca Ross In last year’s Fidler v. Sun Life Insurance Co. of Canada, the Supreme Court outlined the current state of compensation for mental distress under contract law, and also explained the appropriate circumstances in which punitive damages may be awarded. While the SCC overturned the B.C. Court of Appeal’s award of punitive damages – an argument that will not be addressed here – it also found that mental distress in this case was compensable. This aspect of the case is notable for the Supreme Court’s expansion of the Hadley v. Baxendale principle of contract law, as emotional distress upon contract breach is now recognized to be within reasonable contemplation of both parties in a disability insurance contract. This finding also suggests that the Hadley principle may be stretched even further in future cases, with potentially problematic results. Connie Fidler, an employee of the Royal Bank of Canada, was covered by Sun Life Insurance under a group policy that included long-term disability benefits. She became ill with a kidney infection, leading to chronic fatigue syndrome and fibromyalgia. According to the policy, Ms. Fidler was entitled to receive long-term disability benefits for two years if she was unable to do her present job. After two years she was only entitled to such benefits if she was unable to perform any job at all. She began receiving benefits in 1991. Six years later, Sun Life informed Ms. Fidler that a non-medical investigation had revealed that her activities were “incompatible with [her] alleged disability” and benefit payments were terminated (para. 8). Over the next two years, medical assessments were completed by Ms. Fidler’s doctor, Sun Life’s medical consultant, and an independent examiner. Although all three reports conflicted, Sun Life confirmed its decision to terminate benefits. Consequently, Ms. Fidler commenced an action against Sun Life in 1999. One week prior to trial, Sun Life offered to reinstate her benefits and pay all outstanding amounts. As a result, the trial and the following appeals only dealt with the question of Ms. Fidler’s entitlement to aggravated and punitive damages. All three courts awarded Ms. Fidler aggravated damages. At trial, Ms. Fidler was awarded $20, 000 in aggravated damages after the trial judge applied Warrington v. Great-West Life Assurance Co. (1996), in which the judge held that aggravated damages may be awarded without separately actionable conduct if the contract is one for “peace of mind.” In the judge’s view, a long-term disability insurance contract fell under this category. The Court of Appeal upheld the trial judge’s finding. Sun Life then sought to have these damages set aside in its appeal to the Supreme Court, where an analysis of this issue was separated into two parts: the SCC first outlined how damages for mental distress came to be included within the range of remedies for breach of contract, and then analyzed whether the facts of this case allowed for such an award. The SCC described how damages for mental distress have not been consistently embraced as a remedy for breach of contract, but argued that this rejection is not warranted in ultimately awarding these damages to Ms. Fidler. In Hadley v. Baxendale (1854), the Court of the Exchequer stated that damages should reflect what was reasonably within the contemplation of both parties at the time they made the contract (para. 29). While this seminal case makes no distinction between the types of losses that are recoverable from a breached contract, subsequent cases demonstrated that damages for mental distress tend to be ruled out, except in defined situations. The common judicial treatment of damages for mental distress utilizes a restrictive interpretation derived from Addis v. Gramophone Co. [1909], which required that a claim for compensation for mental distress be grounded in independently actionable conduct (para. 37). That is, mental distress would not be compensated if it resulted from the contract breach alone. The SCC then demonstrated how this narrow concept widened during the 1970s, and damages began to be awarded when the contract was one for pleasure, relaxation or peace of mind. The ever-innovative Lord Denning spearheaded this movement, essentially arguing for a “peace of mind exception” to the general rule against recovery for mental distress in light of a contract breach (para. 39). This principle has grown to include damages for breach of vacation contracts, contracts for wedding services, and eventually disability insurance contracts. Another notable case in this development is Vorvis v. Insurance Corp. of British Columbia [1989]. The Supreme Court awarded damages for mental distress, finding that contracting parties had contemplated mental distress as a potential result of a breach at the time the contract was made (para. 42). Vorvis, among other analogous cases, clarifies that an independent actionable wrong is not always required for emotional damages. Damages for mental distress are now often awarded under the Hadley principle, as mental distress has been found to be compensable as long as it was reasonably considered at the time the parties created the contract. There remain limits, however, to the compensable types of mental distress. While the law does not award damages for frustration over a breach of contract in, for example, a commercial context, if a contract was created to secure a psychological benefit, damages should be recoverable if they are shown to be within the reasonable contemplation of both parties. The Supreme Court concluded, after elucidating this judicial history, that the basic principles of contract damages now encompass intangible promises such as mental security. Once the SCC established that damages for mental distress may be awarded, it summarized its findings in a two-step test designed to discover whether such damages are recoverable in a given case. The SCC must be satisfied (1) that an object of the contract was to secure a psychological benefit that brings mental distress upon breach within the reasonable contemplation of the parties; and (2) that the degree of mental suffering caused by the breach was of a degree sufficient to warrant compensation (para. 47). In Fidler, the Supreme Court found that the aim of the disability insurance contract was to secure a psychological benefit, and this contract brought the prospect of mental distress upon breach within the parties’ reasonable contemplation. As disability insurance contracts are created to protect individuals from financial and emotional insecurity, a delay or denial of such protection may very well cause acute mental distress. The SCC determined that Ms. Fidler’s damages for mental distress flowed directly from Sun Life’s breach of contract. The second question, regarding whether the mental distress at issue was of a degree sufficient to warrant compensation, was also answered in the affirmative. The trial judge found that Ms. Fidler suffered significant distress and discomfort as a result of the loss of her coverage. Extensive medical evidence of Ms. Fidler’s anxiety supported this finding (para. 59), and mere payment of the arrears did not compensate for the stressful years she lived without her benefits. Thus, the trial judge’s award of $20, 000 to compensate for the psychological damages of Sun Life’s breach – damages that are reasonably in the contemplation of parties to a contract for benefits – was upheld by the Supreme Court. Fidler therefore widens the scope of compensable damages upon breach of contract, further confirming that mental distress is reasonably contemplated during the creation of disability insurance contracts. Future judicial treatment of compensable damages under the Hadley principle, in light of its expansion within cases such as Fidler, will prove to be quite compelling indeed. If Hadley is to remain a foundational principle of contract law, it cannot be stretched beyond recognition. Such a consequence may occur if too many situations are found to be contemplated at the time of the contract, allowing the principle to deviate so sharply from its original intentions as to become undiscriminating. Alternatively, modern contractual dealings often give rise to considerations that were not contemplated in Hadley’s nineteenth-century context, and many new situations may still comfortably fall within its general parameters. Only time, and further litigation, will tell if this principle will remain applicable in determining remedies for breach of contract, or be stretched to unrecognizable proportions. [filed: Insurance]

I have been fighting with sun life since October of this year. I became so depressed and suicidal that I had to go in and tell my boss. I went to the dr;s the very next day. SHE WAS ADIMENT ABOUT ME NOT RETURNING TO WORK. I had already been on medication to treat depression and ADHD, So we opted to increase my meds and try to fix this on an outpatient basis. Well the first denial was I didn't see the dr enough. The 2nd denial reason was because my medical records were incomplete. they are so full of ### it is scary. There are so many people that play the system and get approves then there are very legitament cases that get denied. My company pays them good money to insure us and I have not been treated right since the get go. My medical records had to be sent out to a third party because they could not determine my diagnosis code. OK so if that is correct who are you to say that Iam denied if you aren't even qualified to read my medical records. I have not yet rcv'd an official denial letter, Since I got my company involved Sun Life has called me 5 times to try and have me understand why the denial. I told them flat out that they were wrong and would be held accountable. So sick and tired of these insurance companies dicatating to us the patients and our dr's how to treat us. this ha s got to stop so let;s hurt them where it counts. IN THEIR POCKETS. by the time I get down with them they are going to wish they had paid me just for the short term. IT WOULD HAVE BEEN A LOT CHEAPER. they are trying to blame it on my dr & it is not her fault. she had done everything and them some

I elected to have short-term and long-term disability through my employer in case of unforseen reasons. My doctor who is an Environmental and Occupational Specialist who has been treating me since August 2013 put me out of work due to my symptoms I suffer from being exposed to four black toxic molds. I am unable to perform my job duties. Sun Life told me my situation is rare and they don't understand it. They requested my medical records. They received about 65 pages. They still denied me. The people I have spoken with over the phone have been rude and have the attitude that there is nothing I can do. I was flabbergasted. I couldn't believe that I have been denied even though I have complete documentation from my doctor explaining my condition. I am going to appeal. I am going to talk to HR at my employer. I will hire an attorney if I still don't get anywhere. That's why you choose to have this in case of unforseen reasons to supplement your income while out of work. I'm very mad that I have been denied and they aren't going to pay me.

I got a letter from Sunlife Financial Trust Inc., USA Office address: 2999 N. Wayne Street, Angola, IN [protected], Canada Office Address: 922 A Brock Rd., Pickering, ON L1W 2X9 and UK Address: 31-35 Dale Street, Liverpool, L2 2HF. Dubai Office: 266 Airport Road, Dubai, United Arab Emirates, Claim Agent: Martin Green, LLB, direct Tel: [protected].

Their letter saying that I won US$ 250, 000.00 out of the total prize of US$ 3.2 million. They have send a check for US$ 3, 885.00 to help me to pay the non-resident tax of UK for the sum of US$3, 000.00 to release the won money. Balance to be retained my me which will be adjusted from my winning money. They are advising this tax money of $3, 000.00 should be sent immediately through Western Union. After which they will send the check for balance money of $246, 115.00 by Fedex within 24 - 48 hrs. The letter has
been signed by Jasmine Stephens, Promotions Director.

At the bottom, they wrote "This program is sponsored by Walmart, K-Mart, Bell, HSBC, Manulife Financial, Costco, Rogers, TD Bank, Home Depo, Axa, Economical Ins., BMO, President Choice Fido, 407 ETR, Sears, Amex and many others.

I had to come off work over three months ago due to advanced Fibromyalgia and as I am a professional driver I could not continue to drive. My Doctor and I both submitted the papers to Sun Life Assurance of Canada on July 9. I contacted them in August and was told at that time they were waiting for the medical information which had already been sent to them. On August 29 my Doctor and I both received a letter saying he had not submitted the medical reports which were faxed to them on July 9. My Doctor resubmitted the medical reports and I followed up on September 16 and as usual got the answering machine of the woman who is handling my claim. I called again on September 19 and this time she actually returned my call only to inform me that she is just now sending my medical reports over to their medical department and it could take that Department possibly another two or three weeks and then they will send it back to her for a final decision. Apparently the health and welfare of the claimant means nothing to these people. I have had to go on welfare to survive which after working for the past 36 years is really humiliating. I would never recommend this company to anyone and my heart goes out to anyone who has to deal with them