See what customers say about
Manulife Insurance.

It would take me hours upon hours of writing to describe to you the SHEER CHAOS and PURE HELL that MANULIFE/OTIP (Ontario Teacher’s Insurance Plan) have put me through. They refused my very legitimate LTD CLAIM which left me suing them and having no income for 5 years, during which time I had to resign from teaching and withdraw my pension (which I could only access a very small portion of) in order to pay $8000 I owed for mortgage payments. The bank then demanded the full mortgage of $150,000- which I didn’t have so I lost my house. I got it back – but it ended up costing me hundreds of thousands of dollars. I was in such bad shape by the time of the lawsuit, they managed to somehow slither around parts of my Collective Agreement (yes- lawyers fault I agree), and ended up weaseling out of their financial responsibilities- which has resulted in me losing over 2 million dollars. (I’m not done with them yet though, and will fight them until the day I die). Now, after 20 years of giving me the measly pittance of 60% of what my wages were 20 years ago, without even a one cent increase, no meds, glasses, dental or vision benefits (in addition to the 2 million they owe me) they suddenly decided after 20 years that they want to adhere to the Collective Agreement- and cut my benefits off on December 23 with a word of warning, claiming I was ‘eligible to retire’ … – despite not even having been employed for 20 years and not having a Teacher’s Pension. This is just a SLIVER of the nightmare. The harassment – daily, weekly, monthly via phone, mail, email, registered letters, got SO bad they had a second warning from my lawyer threatening another lawsuit AND a DEMAND letter from my doctors ordering them to cease ALL contact with me as they were at the root cause of an additional diagnosis of PTSD (and every time I see a letter from them- it STILL triggers everything again). Instead of giving me a lump sum payout, they purposefully put me on monthly benefits so they would be enabled to yield power over me with threats of terminating benefits constantly being hung over my head. As they told the MEDIATOR who relayed the message to me: “Tell her she might as well accept what we’re offering her, because otherwise we’ll just tie her up in court for the next 12 years and she’ll be broke anyways.”
I was SPEECHLESS and said, “MEDIATION??? THIS is how you define MEDIATION??? This is nothing short of EMOTIONAL BLACKMAIL AND EXTORTION. I’m pretty much a fish in a barrel and you all have your loaded rifles pointing down into the water.” I could go on and on for HOURS… but suffice it to say they have completely and utterly destroyed the person I once was. They destroyed me emotionally, socially, physically, mentally, spiritually and financially to the point that I will NEVER, EVER, FULLY RECOVER. And they are still at it…daily… trying to break me. It is absolutely UNFATHOMABLE to me how our government is letting them get away with what they do to people. The entire insurance industry is nothing but a legalized money-laundering Ponzi scheme with their creation of the ‘concept’ of ‘re-insurers’. What an absolute joke. The rich get richer off of the backs of the labourers. If you ever want the full story… I’m in the process of writing up the formal complaint that will be hundreds of pages long for the Federal Privacy Commissioner’s Office, the Ontario Labour Board, the Canadian Human Rights Council, and 2 other agencies that are pending. I’ll send you a copy if you’re able to let me know how to get it to you. I think I should turn the report into a book manuscript after that, because believe me, it makes for some pretty unbelievable reading. AVOID MANULIFE AND IT’S MULTITUDE OF SUBSIDIARY COMPANIES AT ALL COSTS. They are like the Plague and will eat you alive from the inside out. I can’t even BEGIN to describe the depth of rage they have created within me. If your employer gets group benefits from them (especially UNIONS) try to get out of it and get a private carrier if you can any way do so. Trust me on this one. And BTW…the only reason you DON’T hear all the horror stories is because you are FORCED to sign NON-DISCLOSURE AGREEMENTS or they simply blackmail you and deny your claim … or come after you years down the road and force you to repay any money you’ve received from them for breaking the NDA. I just don’t care anymore. Let them come. I won’t be It would take me hours upon hours of writing to describe to you the SHEER CHAOS and PURE HELL that MANULIFE/OTIP (Ontario Teacher’s Insurance Plan) have put me through. They refused my very legitimate LTD CLAIM which left me suing them and having no income for 5 years, during which time I had to resign from teaching and withdraw my pension (which I could only access a very small portion of) in order to pay $8000 I owed for mortgage payments. The bank then demanded the full mortgage of $150,000- which I didn’t have so I lost my house. I got it back – but it ended up costing me hundreds of thousands of dollars. I was in such bad shape by the time of the lawsuit, they managed to somehow slither around parts of my Collective Agreement (yes- lawyers fault I agree), and ended up weaseling out of their financial responsibilities- which has resulted in me losing over 2 million dollars. (I’m not done with them yet though, and will fight them until the day I die). Now, after 20 years of giving me the measly pittance of 60% of what my wages were 20 years ago, without even a one cent increase, no meds, glasses, dental or vision benefits (in addition to the 2 million they owe me) they suddenly decided after 20 years that they wanted to adhere to the Collective Agreement- and cut my benefits off on December 23 with a word of warning, claiming I was ‘eligible to retire’ – despite not even having been employed for 20 years and not having a Teacher’s Pension. This is just a small iota of it all. The harassment – daily, weekly, monthly via phone, mail, email, registered letters, got SO bad they had a second warning from my lawyer threatening another lawsuit AND a DEMAND letter from my doctors ordering them to cease ALL contact with me as they were at the root cause of an additional diagnosis of PTSD (and every time I see a letter from them- it triggers everything again). Instead of giving me a lump sum payout, then purposefully put me on monthly benefits so they would be enabled to yield power over me with threats of terminating benefits constantly being hung over me. As they told the MEDIATOR: “Tell her she might as well accept what we’re offering her, because otherwise we’ll just tie her up in court for the next 12 years and she’ll be broke anyways.” I simply stared in shock and said, “MEDIATION??? THIS is how you define MEDIATION??? This is nothing short of EMOTIONAL BLACKMAIL AND EXTORTION. I’m pretty much a fish in a barrel and you all have your loaded rifles pointing down into the water.” I could go on and on for HOURS… but suffice it to say they destroyed the person I once was. They destroyed me emotionally, socially, physically, mentally, spiritually and financially to the point that I will NEVER, EVER, FULLY RECOVER. And they are still at it…daily trying to break me. It is absolutely UNFATHOMABLE to me how our government is letting them get away with what they do to people. The entire insurance industry is nothing but a ‘legalized’ money-laundering Ponzi scheme with their creation of the concept of ‘re-insurers’. What an absolute joke. The rich get richer off of the backs of the labourers. If you ever want the full story… I’m in the process of writing up the formal complaint that will be hundreds of pages long for the Federal Privacy Commissioner’s Office, the Ontario Labour Board, the Canadian Human Rights Council, and 2 other agencies that are pending. I think I should turn the complaint into a manuscript after that, because believe me, it makes for some pretty unbelievable reading. AVOID MANULIFE AND IT’S MULTITUDE OF SUBSIDIARY COMPANIES AT ALL COSTS. They are like the Plague and will eat you alive from the inside out. I can’t even BEGIN to describe the depth of rage they have created in me. If your employer gets group benefits from them (especially UNIONS) try to get out of it and get a private carrier if you can any way do so. Trust me on this one. (And the only reason you DON’T hear all the horror stories is because you are FORCED to sign NON-DISCLOSURE AGREEMENTS or they simply blackmail you and refuse your benefits… or come after you years down the road and force you to repay any money you’ve received from them for breaking the NDA. I just don’t care anymore. Let them come. I won’t be the fish in the barrel this time. the fish in the barrel this time.