I'm not a public servant and my company uses Canada Life - hands down the absolute WORST company for benefits I've dealt with in my life. They regularly deny things we have coverage for, despite paying regularly for those things for many years. Email and support - forget about it. Every email I've ever sent them has an average response time of 6 WEEKS and it's usually some bullshit response that requires another reply from my side, and another 6 week turnaround for a reply back. I know it'll be several months to resolve any issue I need to email them about. It took us the better part of a full year to get thousands paid for fertility stuff that was fully covered under my plan - we literally did the treatment because the coverage was there and were stuck floating the money while they gave us the runaround. Everyone around our office has horror stories of these guys, HR even jokes about them.