Sun Life Disability Claims
Our team supports claimants with Sun Life short-term disability (“STD”) and long-term disability (“LTD”) claims and appeals of denials, addressing common transitions from approval to denial.
General Claims Process
The initial claims process begins with an application, which should be accompanied by medical records, information about your employer and job duties, and a targeted medical opinion from your treating doctor about how your condition limits your functional capacity. Unfortunately, initial claim decisions are rarely immediate, but we strive to hold Sun Life to the regulatory guidelines requiring timely decisions.
Denials are common and frequent, but denied claimants have a right to appeal Sun Life’s decision. Appeals must usually be submitted within 180 days of the denial. Good appeals address the reasons for Sun Life’s denials with additional evidence, new opinions from doctors or vocational experts, and targeted arguments designed to eliminate the reasons for the denial.
Unique Facts and Challenges
We have seen claims where Sun Life approves STD but denies LTD on the same evidence, even though the relevant eligibility requirements are identical.
We can help getting your claim started or take over your appeal if your claim has been denied. We’re here to help with your Sun Life claim. The initial consultation is free.
