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Disability Claim Denial Overview

Disability from Sun Life can be denied on a whim. Don't get discouraged; customers are not necessarily at fault. Your denial and long term disability complaint may have arisen as a result from a bureaucracy designed to capitalize on your investment and, in some cases, not give it back when it's needed.

Benefits Packages are usually purchased by responsible employers from Insurance Companies such Sun Life. These Insurance Companies have a duty to treat you with the healthcare you deserve. However, in some cases, denial letters will be issued to claimants. If this is the case, you will be sent a letter, or, advised in writing with details of the information required to appeal. We highly recommend contacting a lawyer in this case.

Long Term Disability Appeals

There are multiple stages to an appeal. If you have a Long Term Disability Complaint that has not been put through the Sun Life Appeal system, contact a lawyer immediately. For information on the Waiting Period, please click here.

  1. 1st Appeal: Sun Life's Abilities Case Manager (ACM) will review your information and, if the information is incorrect, or, insufficient, your information and claim is sent to the Sun Life Management Unit for review.
  2. 2nd Appeal: The Sun Life Management Unit will review your information, and, if the information is incorrect, or, insufficient, your information and claim is sent to the Disability Insurance Plan Board of Management. Sun Life will send a letter to you explaining the final decision. If your claim remains closed, the appeal process will have completed.
  3. 3rd Appeal: If you choose to request an independent review by the Disability Insurance Plan Board of Management, this is the 3rd and final step to an appeal. The Board will review your case and recommend steps to resolve the conflict between the insurer and yourself. Again, we highly recommend working with a lawyer if your claim has been repeatedly denied. The DI Plan Board of Management has management and federal public service union representatives who report to the National Joint Council. PLEASE NOTE: The board's recommendations are not legally binding (they do not require either party to take action), however, this level of appeal has been effective in many cases towards providing a resolution.

Please refer to this document to learn more about disability claims.. Note: This document pertains to Sun Life Long Term Disability Complaints.

Approaching Long Term Disability Claim Denial

Do not worry or panic over a denied claim. This is a bureaucratic process created to exhaust your limits. Usually, insurance claims may take up to 2 years to come to fruition. If you believe your claim is legitimate, contact a lawyer without hesitation. We are experts in Long Term Disability Claims.

The team at PW Lawyers will help you in to make a physical, mental, and financial recovery while fighting for your case.*** Long Term Disability Claims arise as a result of a lack of care by an employer, or, by improper workplace conditions. These may result in illnesses, or, sudden injuries. Your insurance policy should protect you from loss of income in the event that you are unable to work for an extended period.

You may incur physical and financial loss. The team at PW Lawyers will help you in to make a physical, mental, and financial recovery a smooth transition to a better quality of life.

Disability Claim Resolution

Sun Life Long Term Disability Complaints are not rare. Our expertise lies in finding the monies you will need to live a better quality of life.

Treated Unfairly?

If you feel unfairly treated by Sun Life or any major insurance company, we urge you to contact a lawyer. For more information, please visit the links below.


Types of Disability Claims

There are many types of Disability Claims based on your insurance package, or lack of insurance package as a result of your employment terms. Here are a few.

Long Term Disability Waiting Periods, or, Health Insurance Waiting Periods, are specific lengths of time that must pass before some or all of your health care benefits can begin. Click here to learn more..


Paul Wilkins

Principal Partner

Paul is a member of the Ontario Trial Lawyer’s Association and the Advocates Society. Frequently involved in pursuing his clients’ claims, his areas of focus include statutory accident benefits, short term and long term disability benefits, disability claims and Canada Pension Plan disability benefits.

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