Have you received a letter from Sun Life stating that you have been receiving disability benefits for two years but those benefits will now be terminated? You are not alone.
Most Sun Life disability insurance policies in Ontario have a change of definition clause in terms of how total disability is defined. Usually for the first two years disability is defined as an inability to perform the essential tasks of your pre disability employment. However, after two years of paying disability benefits the Sun Life policy may define disability as being totally disabled from performing any gainful occupation that you are suited by way of education, training or experience.
Once the two year mark is reached Sun Life may justify its stopping of your disability benefits by telling you that you can do some other from of sedentary work such as being a a greeter in a store or a cashier.
If your long term disability claim is terminated by Sun Life in this manner you should seek the advice and assistance of a disability claim lawyer as soon as possible. Your lawyer can help you gather the medical evidence you may need to establish that you do in fact meet the definition of total disability as set out in the Sun Life insurance policy.
Often people suffering from chronic pain, fibromyalgia, IBS, degenerative disk disease, depression, stress or anxiety are unable to perform any other job due to their condition. There are numerous other medical conditions that may stop you from working and you should not be pushed by Sun Life insistence that you can do some other job that you have never done before.
If you have been denied short term or long term disability benefits by Sun Life or another disability insurance company you are no doubt upset by the process. At Kotak Law we are committed to helping people access the disability benefits they have been denied and we understand your frustration with your disability insurance company.
We offer free consultations and don’t charge until your case is resolved. We represent people throughout Ontario and for those who cannot meet us at one of our offices we offer consultation at your home, a local coffee shop, courthouse, by telephone, Skype or WhatsApp.
KOTAK PERSONAL INJURY LAW/DISABILITY LAWYERS CAN HELP YOU
We understand that being denied disability benefits can be frustrating and devastating. Your time to fight your disability insurance company is limited. Please do not delay in calling long term disability lawyer. We have successfully sued numerous disability insurance companies including: Manulife, Sunlife, Desjardins, Great West Life, Blue Cross, AIG, SSQ, RBC, Industrial Alliance and more.
Call your trusted long term disability lawyers at 1-888-GOKOTAK or (416) 816-1500. Our consultation is free and we don’t get paid until you do. We can meet you at our offices, at a coffee shop, your home or a local court house. We represent disabled people throughout Ontario including Toronto, Mississauga, Brampton, Milton, Georgetown, Orangeville, Oakville, Burlington, Hamilton, St. Catharines, Niagara Falls, Stoney Creek, Kitchener/Waterloo, Cambridge, London, Windsor. Markham, Pickering, Oshawa, Peterborough, Keswick, Kingston Ottawa and other locations.
Disclaimer: This article is intended to supply general information to the public. We make every effort to ensure the accuracy of this information. However, as laws change quickly, the reader should always ensure the accuracy and applicability of such information with respect to their particular case. The information contained in this article cannot replace a thorough and complete review of the reader’s situation by competent legal counsel who has had an opportunity to review all of the facts.