fbpx
Talk To A Disability Lawyer Now
(800) 898-7299
Helping The Disabled From Coast to Coast
We've Recovered Nearly $1 BILLION In Wrongfully Denied Insurance Benefits

Nationally recognized

DarrasLaw has a reputation for excellence. Its attorneys have received countless awards, published hundreds of articles, & been invited to lecture on types of disability insurance.

Experience Matters

Our legal team brings over 100 years of insurance, claims & litigation experience to the table. No one has seen more, evaluated more, & resolved more disability insurance problems than us.

Our Clients Love Us

It’s our honor to represent chronically ill, injured, and disabled policyholders. We are passionate about helping them recover wrongfully denied or unreasonably delayed insurance benefits.

Our Clients Will Not Be Bullied By Billion Dollar Insurance Companies

SunLife Disability Appeal

SunLife disability appealyelpavvoWebMD

How to Navigate a Sun Life Disability Appeal

Understanding Sun Life Disability Insurance

Sun Life Disability AppealsSun Life is well-known for offering life insurance policies. Having been founded in 1865, Sun Life has developed into a significant force in the insurance sector, coming in at number 277 on the Forbes Global list. With its first group life insurance policy, the company entered the American market in 1924. Since then, it has become a well-known supplier of group short- and long-term disability insurance policies.

When claiming disability insurance benefits, however, policyholders frequently run into difficulties and feel as though the financial safety net they thought they had is being torn out from under them.

The Appeal Process

Sun Life is known for making multiple requests for medical, financial, and vocational information before finding a way to deny benefits. This delay and denial strategy can drain the policyholder’s bank accounts as they try to stay financially afloat.

Moreover, Sun Life rarely discloses the real reasons for claim denial, often using doctors who provide them with the necessary justification for a claim’s denial or termination. This is where an experienced attorney can make a significant difference.

An experienced attorney can assist you with your Sun Life claim by:

  • Reviewing your policy and medical records.
  • Creating a pre-claim strategy to get your benefits on the initial application.
  • Appealing a wrongful denial or termination by writing an extensive appeal letter that serves as the trial of your case.
  • Protecting you from aggressive claims handling by Sun Life.
  • Aggressively litigating your case, if necessary.

Don’t Face Sun Life Alone

Appealing a denied Sun Life claim is akin to a trial. Taking on a tough insurance company like Sun Life requires an experienced specialist. A federal judge will give Sun Life the benefit of the doubt because your Sun Life policy requires you to prove they are wrong and not the other way around.

You owe it to yourself and your family to have an experienced disability attorney take on Sun Life. After all, this is about getting the disability benefits you deserve and paid for.
Understanding the Types of Disability Policies Offered By Sun Life

Sun Life offers different types of disability policies, each with its own set of rights and conditions. These include ERISA Disability Insurance for Groups, Non-ERISA Disability Insurance for Groups, and Disability Insurance for Individuals (ID). Understanding these policies and their implications is crucial when filing a claim or an appeal.

ERISA Disability Insurance for Groups

Sun Life offers disability policies through employers that are governed by ERISA. These policies generally have strict definitions of disability and occupation, limitations on how long payment will be made for mental conditions, or subjective conditions like headaches, pain, fibromyalgia, or chronic fatigue. They also include “other income” provisions that allow for a dollar-for-dollar reduction for the receipt of Social Security disability benefits, workers’ compensation benefits, and personal injury settlements.

Non-ERISA Disability Insurance for Groups

Sun Life also offers Non-ERISA Disability Insurance for Groups. These policies are governed by state law, which can be more favorable to policyholders than federal law. In state law claims, you are entitled to a jury trial, and the court is generally more friendly to policyholders.

Disability Insurance for Individuals (ID)

Sun Life offers private individual disability policies known as ID policies. These are the best and most comprehensive policies, but they also come with a high monthly premium. Sun Life fights an individual disability claim as hard if not harder than an ERISA claim, and costly mistakes can be made during the initial application and appeal stages of a case.

The Importance of Legal Representation

The Sun Life Disability Appeal process can be complex and overwhelming. Having an experienced attorney on your side can make a significant difference. They can guide you through the process, help you understand your rights, and provide the necessary support to challenge Sun Life’s decision.

DarrasLaw Helps you Navigate The Complexities of A Sun Life Disability Appeal

Getting a denial from Sun Life can be difficult and stressful. You can, however, appeal their decision and obtain the benefits you are entitled to with the right legal representation and a thorough understanding of the Sun Life Disability Appeal procedure.

Although navigating the Sun Life Disability Appeal process’ complexities can seem like an uphill battle, it’s important to keep in mind that you’re not fighting it alone. You can successfully navigate this difficult terrain if you have the right support and direction from a Sun Life Financial Disability Attorney. Remember that every action you take will bring you closer to obtaining the benefits you are entitled to as you set out on this quest for justice.

Our Promises To Our Clients

Houston Expungement Lawyer

Disability Tips

10 Important Questions To Ask Before You Hire A Disability Law Firm

Reason #1

Why Choose DarrasLaw?

We are the most awarded disability law firm in the nation. Insurance companies will not pay full value of a case if they don't respect the law firm representing you.

Testimonials

What Our Clients Say
previous
next
Nurse
Testimonial
★★★★★

DarrasLaw was the answer to my prayers. I am grateful for the way they handled my case.

Read More
Engineer
Testimonial
★★★★★

I think Frank Darras was just absolutely brilliant. He didn't miss one detail of the case. In the end, we were successful. It happened for us that it was a financial victory and a moral victory.

Read More
Graphic Artist
Testimonial
★★★★★

I would like to say to any potential client that if you feel as though no one is listening to you and you are being run around by your insurance companies. I can't recommend DarrasLaw highly enough.

Read More
Paralegal
Testimonial
★★★★★

Getting help means calling the right attorney...and the right attorney will be Frank Darras.

Read More
Manufacturer
Testimonial
★★★★★

DarrasLaw did a great job for me... I highly recommend them to resolve your issues because they can do it.

Read More
logo
View More Testimonials
We have countless testimonials from our happy clients.
View all testimonials
View All Testimonials greenarrow

DarrasLaw is Americas' most honored and decorated disability litigation firm in the country. Mr. Darras has seen more, evaluated more, litigated more, and resolved more individual and group long term disability and long-term care cases than any other lawyer in the United States.

Request a Free, Confidential Case Review.