Sun Life Disability Insurance Claims
Disability Insurance Attorneys Serving Clients Nationwide
Sun Life disability insurance is a very common insurance carrier. Our Disability Insurance & ERISA Attorneys have helped many clients with short-term and long-term disability claims against Sun Life. We have successfully filed appeals to get our clients’ disability benefits back. We have also litigated numerous cases against Sun Life in federal court.
If you have Sun Life disability insurance through your job, your case likely falls under ERISA. This is a federal law. ERISA stands for the Employee Retirement Income Security Act.
This law sets certain rules and procedures for all disability benefits offered to employees through work. If you are in a dispute about your disability benefits, you and your employer must follow the ERISA rules.
For example, if you want to appeal Sun Life’s denial of your disability benefits, you generally have 180 days to do so. The disability insurance company then has 45 days to make an appeal decision. They can take up to one 45 day extension. This falls under the ERISA rules.
It is important to understand the details of these rules. In our practice, we see people try to submit a disability appeal on their own. They do not hire or consult an attorney. This can be done, but there are often are a lot of mistakes made. And the case suffers because of it.
Dealing With Sun Life – What You Need to Know
With Sun Life disability insurance, the process is very difficult. They spend significant time and energy on denying claims and appeals.
Most companies use claim and appeal managers to make decisions. This insurance company often consults with attorneys to make decisions. It is not uncommon to get a denial letter from them signed by an attorney who works there.
Because of this, it is important that your claim and appeal are as strong as possible. Sun Life is going to “work up” the file against you, as much as possible, and our disability lawyers are experienced in handling these situations. That means they will likely consult numerous doctors. They are also likely to contact your doctors for information. They may even conduct surveillance on you.
It is important that you similarly “work up” your appeal. You should get as much evidence as possible to support your disability. It is important to note that you need to prove your condition exists. You also need to prove that you have specific restrictions and limitations.
Your doctors must confirm that, because of the condition, you cannot complete the specific requirements of your own or any occupation. These restrictions generally include limitations on sitting, standing, lifting, reaching, typing, writing, etc.
You always want to make your disability appeal as strong as possible. However, with Sun Life, you need to be aware of what you are walking into. They are a tough company. They will work hard to support their denial or termination.
How We Can Help With Sun Life Disability Insurance
Our firm is experienced in dealing with Sun Life disability insurance. We will work hard to get you your benefits. We represent clients with all types of conditions. Our experienced disability insurance lawyers handle cases nationwide.
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