Sun Life Long-Term Disability Denial
Hard-working Americans prepare for the worst by purchasing long-term disability insurance policies from insurers like Sun Life every day. When they need it the most, they file a claim against their policy. Claim managers however, don’t treat claimants like valued customers, but like suspects instead.
At Robinson & Warncke, we can help you file that claim and build an ironclad case file that ensures your claim is processed fairly and quickly. Or if you received a Sun Life long-term disability denial, we can help you appeal it. Call today to speak to a disability attorney.
Sun Life Will Try to Delay, Dispute, Deny, or Terminate Your Claim
Sun Life is among the largest providers of long-term disability benefits in the U.S. and Canada. However, the insurance company has made headlines in recent years for unfairly denying claims or using delay tactics to frustrate policyholders as well as dispute tactics to intimidate them. In some cases, they have outright denied valid claims. These include engaging in practices such as the following:
- Burying policyholders in mountains of paperwork;
- Delaying the process of making a judgment on a claim;
- Interrogating you, your family, your employer, or close friends concerning your condition;
- Basing a denial on suspect medical science or reasoning that is not widely accepted by the medical community;
- Attempting to settle your claim for less than the agreed upon amount (usually under threat or denial); and
- Dissuading you from retaining legal counsel to manage your claim.
It’s important that you do not accept a low-ball settlement. Once your policy is settled, there’s nothing an attorney can do to help you. Let Robinson & Warncke help ensure you get maximum amount owed to you under the terms of your policy.
Understanding the Sun Life Long-Term Disability Claims Process
Dealing with Sun Life is usually a long drawn-out process. The company does not make filing LTD claims easy on its policyholders. Immediately after receiving a claim, sun Life begins building a case against you. And while fraudulent claims do occasionally happen, this can leave otherwise honest workers with valid claims feeling like they’re under a microscope. That is by design.
During the process, you will need to provide Sun Life with as much medical evidence as possible to not only prove that your condition exists but that it impairs you from continuing to do the job you’re currently doing.
Those who attempt to file appeals on their own often find the process needlessly frustrating. Insurance companies can and often do request duplicate information, claim that they’ve never received information that you know you sent, or deny claims based on erroneous information. To learn more about appeals, read our article Should I Handle My Own Appeal?
Talk to Robinson & Warncke Today About Your Sun Life Long-Term Disability Denial
Our job as your disability attorneys is to prevent Sun Life from illegally or unfairly denying your claim. Insurance companies can be sued if they don’t uphold the terms of their policies, and they can only legally deny your policy by providing both thorough and valid medical reasoning. To learn more about how we can help in filing a claim or appealing a denial, contact Robinson & Warncke today.