Manulife Group Benefits Insurance Reviews

I have been a Manulife client for the last 25 years and I am very happy with their service. Both my group retirement and group benefits are with Manulife, at one point I was also doing banking with them.
The benefits service is excellent - the online application is simple and straightforward, the refund is quick and without any hassle, and the response to queries is efficient.
About the group retirement - the online account management is also simple and easy, their website is very well built and answers to all customer needs. I am also a customer of another insurer, but their online services really terrible in comparison.

I've been reading the negative reviews on here and it's funny because all of them have all of the info stating how the person did everything right and Manulife did everything wrong. I'm pretty sure if we were to look into each of these claims, we would find fault on the client's side too. I was on short-term, now long-term. I was off for a headache and Manulife supported me because my case worker was really smart enough to find something is not right - just a headache? I couldn't understand either, why was my headache so bad. But I knew this wasn't enough, so I said I'm going back to work. Manulife caseworker said no, let's wait until after the test results. 3.5 weeks later, I find out after testing that I have a brain tumour. I have 2 kids, one with special needs. I don't have long, the tumour is terminal and my wife is freaking out. My caseworker called me after getting my medical and she was sobbing talking to me and I felt she really felt for me. Two weeks later, she called and my wife answered and caseworker asked my wife how SHE and the kids were doing. My wife never talked to her before but was so grateful she asked. See? The caseworker didn't know I had a tumour but based on what she had, she had a feeling something was not right and was thoughtful and caring. Let me tell you, before this, I never had a claim. My coworker was on a claim and we thought he was very sick, we sent him baskets and cards. Found out he was working at another job (VERY SIMILAR JOB) the whole time, went to vacation in Costa Rica and was para-sailing and what not. Oh, I thought you couldn't do "anything" because you were sick like you told us. I had to do extra work because of him for 3 months WITH MY HEADACHE before going on claim myself. The whole time I had a tumour, working extra for someone scamming the system. You think the companies are stupid? Of course, they are going to look at all of the information - especially because of people who scam. Look at your coworkers and people who take advantage too. All of you who think you cannot work because of something minor, or because you have a problem with your coworker, think again - you can work, you choose not to. You are no disabled, you are trying to take advantage then blaming oh the big insurance company. What insurance company has mostly positive reviews? How many people would post a positive review more than negative? For those of you who have a real claim, but got declined, don't get frustrated. Try to figure out what is going on and work with your doctor. You tell your doctor something then he writes it down - that is not medical. That is your journal. Think about that.

I've had three experiences on the claims side with Manulife. Two were of their life insurance policies and one was with their group employer short-term and long term disability coverage. In all three cases, I was not the claimant as such. With the two life insurance claims, I was the executor and administrator of two separate estates where the deceased was life insured by Manulife.

In both life insurance death benefits claims cases, Manulife's claims dept representatives were helpful, efficient and professional in their work. In both cases the death benefits were paid in full, expeditiously and without any delays or obstacles.

In the case of the short and long term disability case, it involved one of our company's employees. There again, Manulife's service was exemplary.

In a sense, am surprised by some of the negative reviews; however, it is more likely that one would be more motivated to place a negative review when feeling to be short-changed than a positive review for just receiving the expected. Thinking back I did have a terrible experience with one of the bank-owned insurance companies who did everything to deny a valid and fully documented travel medical emergency claim to the point that they eventually succeeded in frustrating the claim.

That case, not with Manulife but one of the bank-owned insurance companies, involved a medical emergency during a Carribean cruise. Despite having all the documentation, diagnosis, treatment, etc. they insisted on interviewing that attending physician whose personal contact information was unavailable due to privacy rules of the cruise liner. Apparently, they knew about that privacy rule of the cruise liner and used that knowledge to zap the customer.