Sun Life

Bartolic Law helps clients with long-term disability claims denied by Sun Life. 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. 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. It also demanded the client attend an Independent Medical Examination. We attended with the client to document the process. 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. 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 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.