Portable and convertible term coverage: When employees leave their companies or if they lose their eligibility for benefits, they can take their coverage with them or convert it to a permanent.Covers large companies: Coverage is available for companies with two to more than 25,000 employees.Few customer complaints: The company received fewer complaints than expected over the last three years.This means the company is in a superior position to honor its ongoing insurance obligations, such as paying claims. Superior financial strength rating: Sun Life earned an A+ (Superior) financial strength rating from AM Best.30, 2017) (awarding client long term disability benefits denied by United of Omaha despite insurer’s doctor opining there was no objective evidence of functional impairment) 20, 2017) (holding plan was arbitrary and capricious in denying medical benefits for removal of spinal cord stimulator following a fall down the stairs and infection where plan argued the expenses were caused by the same injury as the car accident necessitating implantation of the stimulator years earlier) Tuckpointers Local 52 Health & Welfare Trust, 281 F. 28, 2018) (holding insurance policy’s grant of discretionary authority is void under Texas law due to certificate being issued after effective date of regulation, and policy renewing after effective date, and holding Plaintiff was disabled from Any Reasonable Occupation where treating doctors certify she can sit at the occasional level, and insurer’s consultants opine Plaintiff can sit frequently, as weighing all evidence together would make capacity likely at low end of frequent range at best).
With considerable digging into medical causation and close work with the client’s doctors, we persuaded Sun Life the sudden cardiac death was an event not influenced at all by the heart disease, allowing our client to live an early retirement with financial dignity.įerrin v. In another case, Sun Life denied long-term disability benefits following a sudden cardiac death because the client had a pre-existing condition of heart disease. With photographs of the clock when our client began and ended the examination, and the client’s written explanation of the client’s inability to stay awake while waiting for the doctor, we got our client’s claim denial turned into an approval. We attended with the client to document the process. It also demanded the client attend an Independent Medical Examination. Sun Life conducted a background investigation of our client, including interviewing neighbors and contacting the fitness center where the client was a member regarding the frequency of attendance. In one case, our client suffered from Chronic Fatigue Syndrome and Sun Life denied the long-term disability claim and terminated short-term disability benefits after initially approving short-term disability. Bartolic Law helps clients with long-term disability claims denied by Sun Life.
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