Sun Life has a history of wrongfully denying insurance claims, which can be devastating for those with an injury or illness that prevents them from working. At Sokolove Law, we can help victims of Sun Life bad faith practices appeal a denied claim and get the benefits they deserve.
If Sun Life denied your long-term disability claim, call (800) 995-1212 now for a free legal case review. We’ll fight hard to get you everything you’re entitled to.
Sun Life Disability Insurance & Denied Claims
Insurance companies like Sun Life have one goal: to create wealth for their executives and investors. This wealth may be generated at the expense of policyholders through unfair claim denials, as long-term disability (LTD) insurance denials provide a clear path to increased profits
Insurance companies have a legal duty to their policyholders to act in good faith and fair dealing. If Sun Life denies a legitimate claim, they may be acting in bad faith.
Unfair disability insurance claim denial is one way Sun Life may fail to meet its duty as an insurer, which has already resulted in countless lawsuits across the country.
When Sun Life denies claims, it can be devastating to a person’s financial stability and may result in an immediate loss of income, savings, home, and more.
There are options to fight back against a denied disability claim. We may be able to help you appeal the denial and secure any benefits you may be owed.
What Can I Do If Sun Life Denied My Claim?
Every state has laws banning bad faith insurance practices. However, large insurance companies like Sun Life have resources at their disposal that can make filing a successful appeal difficult.
If your Sun Life claim was denied, please know: You do have legal rights and may still have options to secure the compensation you need.
Depending on your Sun Life long-term disability policy, you may be able to work with long-term disability denial attorneys to:
- File a Sun Life disability appeal over your denied LTD claim
- Request a second appeal if your initial appeal was denied
- Submit a Sun Life complaint with your state’s Insurance Department
- File a Sun Life disability lawsuit
- Negotiate a Sun Life long-term disability settlement if possible
- Take your case to court in some instances
“I can't express my gratitude enough to Sokolove Law for being my ally in this fight. They are the champions you need to fight for your rights.”
– Illinois Truck Driver with a Denied LTD Claim
Sun Life Disability Appeal Process: How to Fight a Denied Claim
The Sun Life appeals process can be difficult to navigate on your own, as insurance companies may purposefully make the process confusing in hopes that you’ll give up on your claim.
At Sokolove Law, our team will work to make the appeals process as stress-free as possible, so you can focus on your health and loved ones. We have the experience and resources needed to appeal Sun Life’s decision and fight for compensation on your behalf.
Insurance providers will look for any reason to deny your long-term disability claim, but our attorneys know their tactics and can build a strong appeal that withstands their scrutiny.
Long-term disability claims often get denied for lack of sufficient information like medical records and statements from your doctors, but we can gather all of the necessary evidence to support your appeal.
There are no upfront costs or hourly fees to work with our Sun Life disability insurance denial lawyers. We only get paid if we’re able to successfully recover compensation for you.
Don't Give Up on Your Benefits
We've helped thousands of clients across the country challenge their insurer's decision and secure the benefits they deserve. Contact us now to get started.
What Happens After You Appeal a Sun Life Disability Denial
After you appeal your denied Sun Life claim, weeks may go by before you hear anything. You may need to check in with the insurer to make sure your appeal letter was received and ask how the appeal is progressing:
- If your appeal is denied, you should consider working with a Sun Life disability attorney who may be able to request a second appeal and help strengthen your claim.
- If your appeal is denied for a second time, it’s important to remember that you may still have options.
After you’ve gone through the appeals process, your legal team may be able to file a lawsuit for Sun Life long-term disability insurance to overturn the denial of your claim.
“Being in my 50s and unable to work due to the debilitating effects of cancer was a hard pill to swallow. But Sokolove Law gave me hope and the confidence to fight back. Their unwavering dedication paid off, and they secured a favorable resolution in my case.”
– New York Office Worker with a Denied LTD Claim
How to File a Sun Life Bad Faith Lawsuit
Depending on the specifics of your long-term disability policy, you’ll likely have to go through the appeals process before you can file a Sun Life bad faith lawsuit over a denied LTD claim.
Insurance companies usually have legal teams who are prepared to spare no expense fighting your case.
By working with Sokolove Law, you can even the playing field and put pressure on your insurance provider to pay you what you’re owed, whether it’s your benefits or Sun Life lawsuit settlements.
If you have a case, our attorneys can handle the appeals process and file a Sun Life lawsuit if necessary — before it’s too late to take action.
Deadlines on Filing a Sun Life Lawsuit
Laws known as statutes of limitations restrict the amount of time you have to take legal action against insurance companies.
Once the deadline passes, you won’t have the opportunity to file a Sun Life disability denial lawsuit ever again.
This makes it incredibly important to contact Sokolove Law as soon as possible after your disability insurance claim is denied by Sun Life.
Our experienced Sun Life disability lawyers can help you understand the deadlines in your state and take action on your behalf before these deadlines pass.
Get Help from Our Experienced Sun Life Disability Claim Lawyers
If your Sun Life long-term disability claim has been denied, you may have options to fight back and pursue your LTD benefits — and Sokolove Law may be able to help.
Over the last 40+ years, our long-term disability appeal attorneys have recovered over $127 Million on behalf of hardworking clients who were wrongfully denied their LTD benefits.
Sun Life Insurance & Long-Term Disability Denial FAQs
Does Sun Life deny claims?
Unfortunately, yes. Like other long-term disability insurance providers, Sun Life has been involved in lawsuits regarding their wrongful denial of LTD claims.
If your Sun Life long-term disability claim was denied, our disability denial attorneys may be able to help you appeal their decision. Contact us today to learn more.
Why was my Sun Life long-term disability claim denied?
If your long-term disability benefits were denied, Sun Life may have claimed:
- You failed to disclose a pre-existing health condition
- Your medical examinations were insufficient or inadequate
- There were problems with your paperwork or documentation
- Your medical condition does not qualify as a “covered” disability
- Your procedure was elective, not medically necessary
Sun Life claim denial tactics often include alleging a policyholder’s injury doesn’t prevent them from performing all workplace duties.
Even if you met all of the Sun Life long-term disability requirements, it’s possible they still denied your claim — but you do have legal rights and options.
Call Sokolove Law now at (800) 995-1212 to get a free case review and learn more about your options.
Can I appeal Sun Life denied disability claims?
Yes. If your Sun Life long-term disability claim is denied, you can file an appeal, but insurance companies like Sun Life may look for reasons to not pay your disability benefits.
Any mistake on an appeal could end up costing you in the long run — but experienced Sun Life disability lawyers with Sokolove Law may be able to handle the paperwork and appeals process on your behalf.
How do I file an appeal with Sun Life?
If Sun Life denied your claim, it is in your best interest to contact a long-term disability denial attorney for help challenging their decision and potentially recovering your benefits.
With experienced legal help on your side, you can focus on your health and recovery, while we focus on the appeals process. Learn more about your legal options today during a free case review.
Can I sue if Sun Life denied my claim?
Potentially, yes. If your Sun Life long-term disability claim has been denied and you’ve gone through the appeals process already, you may be eligible to file a Sun Life disability insurance lawsuit.
How much do Sun Life LTD attorneys cost?
At Sokolove Law, our Sun Life disability attorneys work on a contingency-fee basis, which means there are no upfront or out-of-pocket fees. We only get paid if your case results in compensation.
What are Sun Life insurance bad faith claims?
Bad faith claims against Sun Life long-term disability insurance involve disputes over denied or delayed benefit payments.
In these claims, some policyholders state that Sun Life did not fulfill its obligations or acted dishonestly or unfairly when handling their long-term insurance claims.
Are Sun Life disability claims difficult?
Unfortunately, many Sun Life policyholders have found the company difficult to deal with. Sun Life has been accused of:
- Delaying claims needlessly
- Making unnecessary requests for information
- Further complicating the claims process
If Sun Life denied your claim, call Sokolove Law now at (800) 995-1212 for help fighting back.
How much does Sun Life pay for long-term disability?
Employees enrolled in Sun Life’s long-term disability benefits can choose between a few plans, but Sun Life’s long-term disability plans typically replace up to 60% of your monthly income (with a maximum payment of $10,000 a month).
How long does it take Sun Life to process a claim?
Under the Employee Retirement Income Security Act of 1947 (ERISA), Sun Life has 45 days to review and respond to your initial claim. However, the company may request a 30-day extension to review your claim if they ask you to send additional information.
Between multiple requests for more information and additional extensions, the entire process could continue for up to 6 months.
In some cases, insurance companies like Sun Life may purposefully delay claims, as you can't appeal without an official denial letter. If you believe Sun Life is using delay tactics with your claim, consider contacting an attorney as soon as possible.
How long does Sun Life long-term disability last?
The duration of Sun Life long-term disability benefits depends on how long your medical condition prevents you from working and the length of time noted in your specific policy.
Sun Life offers plans for 2, 3, or 5 year coverage. The company also has an option for long-term disability benefit payments until retirement.
If Sun Life wrongfully denied or terminated your long-term disability benefits, get a free case review now to learn about your legal options.