Sun Life Financial sometimes denies claims for disability benefits. What to do if Sun Life Financial denies your claim An experienced disability lawyer can often get the process moving by knowing what to look for and asking the right questions. If they’re not providing you with sufficient information regarding the delay of your claim, the next step may be to reach out to a lawyer to help move the claim along. If you feel like your claim is being delayed, reach out to Sun Life Financial to find out the reason for the delay.
What to do if Sun Life Financial delays your claim You can check the status of your claim by entering your claim number and social security number. While this is a waiting period, it doesn’t mean that you have sit idly. Once you submit these forms, the company will review your paperwork and will send you a letter letting you know whether or not you’re approved for benefits. You’ll also need to sign a couple of authorization forms so that Sun Life Financial can retrieve your medical records. The both require your employer’s statement, your statement as the employee, and your attending physician’s statement. The forms for short-term and long-term disability are the same. Prior to filing your disability claim, make sure you completely fill out the form as accurately as possible. You can file a claim online through Sun Life Financial’s Plan Member portal.
How to submit a claim to Sun Life Financial If this hasn’t happened to you, and you’re in the process of filing a disability claim through Sun Life Financial, make sure that you fill out the form completely and accurately to potentially avoid any delay or denial. If this happens to you, it’s in your best interest to seek help from a disability lawyer who is experienced in handling these situations. Often times they’ll try to get the insured individual to settle for an amount that is less than the benefit they were promised in their plan. Sun Life Financial has been known to delay or deny claims so that they can avoid paying out benefits to insured individuals. What you need to know about Sun Life Financial disability claims If you choose a percentage, Sun Life Financial uses the same formula as they do with their short-term disability. You will still have the option to choose a set amount for your benefits or a percentage of your income. The elimination period will last a few months rather than a week to a month. For the most part, long-term disability works the same as short-term disability, but covers a longer period of time. Long-term disability coverage offers benefits to employees who are unable to return to work for long periods of time. If your plan allows you to receive a percentage of your income, Sun Life Financial will multiply your monthly income by the percentage amount to get your benefit amount. You will either have the option to choose a set dollar amount or a percentage of your income. The elimination period starts the day you become disabled and unable to work. Depending on your plan, the elimination period can be one week, two weeks, or one month. Sun Life Financial provides different types of plans that have different types of elimination periods. There’s typically an elimination period that you’ll have to go through before you can start collecting benefits. Short-term disability through Sun Life offers benefits for up to 26 weeks to employees who are unable to return to work for a few weeks or months. These group plans are customizable so that employers can choose the features of the disability benefits that they offer to their employees. Sun Life Financial offers short-term disability insurance and long-term disability insurance through employers. Disability insurance from Sun Life Financial It offers a broad variety of products, including life, health, dental and disability insurance along with a suite of retirement and financial planning services. The company was founded in 1865, and it has around 30,000 employees. One of the biggest life insurance companies in the world, Sun Life Financial is based in Toronto, Ontario.