When you find yourself in a situation where you cannot work due to an illness or injury, and are currently receiving a group benefit package from your employer, or have personal disability coverage through Manulife Insurance, the first step you need to do is inform your workplace manager and seek to complete a Manulife claim form.
Make sure to have your benefits booklet at hand to ensure that you are covered for the procedure, medical devices and/or leave that you are seeking. If you have any questions about the contents of your benefits booklet, ask your plan administrator for more information.
If you have any concerns about your Manulife disability claim, at any point in the filing process, we suggest you read the following article and contact a long-term disability lawyer.
Manulife Group Benefits Contact
If you have submitted a Manulife claim, with all the required and needed information to support your disability claim, a Manulife insurance agent will get in contact with you to finish the filing process.
Your Manulife claims contact is someone who is able to provide you with assistance when filling out a health or disability claim.
If you are receiving Group benefits
Plan Members: 1-800-268-6195
Plan Members with former Standard Life Insurance: 1-800-499-4425
If you are receiving Group Retirement solutions
Plan Members: 1-888-727-7766
Plan Members with former Standard Life Insurance: 1-800-242-1704
If you have personal Manulife Insurance:
Affinity Markets & CoverMe: 1-800-268-3763
Individual Insurance: 1-888-626-8543
Manulife Claim Form
Manulife claims are declared through a form mailed directly to their claims department. A plan member, unless otherwise directed, is asked to complete the designated claim form, attaching all original receipts for any expenses incurred. Due to original documents being submitted to the insurance company, it is very important that you keep a full copy of your files, such as photocopies, for these documents will not be returned back to you.
When completing the form, make sure to have your plan number and identification number at hand. If you need to total amounts on receipts, make sure to use a calculator to avoid any miscalculations. If you find that you are confused about how to provide information at any part on the claims form, contact your Manulife claims agent and ask questions. It is their job to guide your through the claims process and provide any help where needed in regards to submitting your initial claim.
Once you have completed you Manulife disability insurance claim, make sure that you have:
- Filled in all the needed information on the form, including proper date and policy number.
- Provided all the sufficient medical records and evidence to back up your claim
- Been truthful and as thorough as possible with the information disclosed to your insurance company.
Manulife Online Claims Submission
Manulife offers online claims submission through their website. You can register and sign in to your account online, and go through the prompts under Submit a claim, via your personalized profile. Manulife currently offers online claims submission for health and dental claims, disability claims, as well as life and critical illness claims.
When completing a Manulife online claims submission, make sure you have your direct deposit information at hand (this will be needed the first time you submit a claim online). The information required for such include your bank’s transit number, institution number, as well as your personalized account number. This information is required for a quick deposit of your insurance refund.
Health and Dental Claims
For these claims, you can Submit a claim by using your online account via your mobile phone. Manulife Mobile is an Android and iPhone app where you can submit less convoluted claims from your personal handheld device. You may be asked to provide a receipt, in which case you can scan or take a picture of such, and attach it to your claim.
Disability Claims
Manulife Disability Claims can be submitted online, once selecting Submit a claim. You will be asked to provide certain information and documentation to support your claim, such as an Attending Physicians Statement (APS) form (from your doctor), as well as a Plan Member Authorization, Certification & Agreement form, to be completed by you, the policy and plan member.
Life & Critical Illness Claims
These claims require more information than a typical disability claim. When completing this form online, through the Submit a claim section, do not hesitate to call your Manulife claims contact to walk your through the process. Their job is to make sure you understand all the information that is needed to complete a Manulife claim, and relieve you of any doubts you have.
Manuilife customer support can be reached at 1-800-268-6195 , do not forget to keep a copy and document who you are speaking with, a call #, and employee I.D number. This information may be very important if you if you find your Manulife claim has been denied.
Manulife Claim Deadline
Deadline for submissions of claims vary, but typically a full Manulife claim must be submitted within 12 months from the date charges are incurred. For example, if you are in a car accident that causes you to have to see a Chiropractor and use crutches for two months, a claims form would need to be submitted within 12 months of buying the crutches, with the medical documentation, and receipts from seeing a Chiropractor and purchasing the medical device.
If you find yourself unable to work due to illness or injury, and seek to submit a Manulife short-term disability or long-term disability claim, these Manulife claims need to be submitted as soon as possible in order to access the socio-economic support you need to sustain your life while you are unable to work. You should notify your employer as soon as you are unable to work due to an illness or injury.
Manulife Claim Denied
Manulife claim denial can come about for a number of reasons:
- Administrative Error: you did not fill out all the proper sections of the Manulife claim form, or did not fill them in correctly (ex. incorrect policy number or date). An Administrative error can also occur when their was a clerical error on behalf of your Manulife claims agent.
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In-adherence to Your Policy Terms: for example, Manulife Insurance’s CoverMe travel insurance does not provide disability benefits coverage or pay for ‘any loss, injury, or death related to intoxication, the misuse, abuse, overdose of or chemical dependence on medication, drugs, alcohol or other intoxicant’
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Bad Faith: it is not in your insurance companies interest to provide you with the proper and promised coverage you are entitled to, and your Manulife insurance claim has been denied for illegitimate and/or illegal reasons.
IMPORTANT: If your claim was denied due to an administrative error, then this can quickly be fixed with the help of clarification. If you find yourself with a denied Manulife claim and are confused, make sure to ask your claims agent for full disclosure as to why your claim was denied. The reasons that they present to you may be illegal and may be presented to you in hopes that you will not further pursue your claim upon denial of your benefits.
This is wrong and you should not settle for erroneous acts.If you have found yourself struggling with a physical disability or a mental-illness disability, and your Manulife claim has been disapproved, please contact us now.
Contact Long Term Disability Lawyers Near You
TSF Law fights for the rights of policy holders who are wrongfully denied, and stand as a leading legal force in fighting for those who have had their short-term disability and long-term disability claims disapproved by Manulife Insurance. TSF Law is well versed in insurance law and your legal rights which entitle you to your full benefit coverage. We can help you at any point in the appeal process, whether be through your insurance company, or in the court of law. Working on a contingency basis, it is no loss to you to contact us as soon as possible, we only are an asset to any denied disability claim dispute.
