• Tips for Applying for Sun Life Disability Insurance BenefitsTips for Applying for Sun Life Disability Insurance Benefits

Tips for Applying for Sun Life Disability Insurance Benefits

If you’re covered by a long term disability policy offered by Canadian-based carrier Sun Life, you may never have expected to have to submit a claim for disability insurance benefits. At Dell & Schaefer, we’ve handled thousands of these claims and are familiar with the tactics Sun Life and other disability insurance carriers use to try to avoid paying disability insurance benefits. Read on for some tips that can help you get your Sun Life long term disability claim approved.

What Do You Do if Your Treating Doctor Will Not Support Your Disability Insurance Claim?

Doctors tend to get easily frustrated when it comes to filling out paperwork, which can make it intimidating to ask your doctor to fill out an extensive disability insurance claim form. In other cases, your doctor may not want to admit that one of their patients needs to receive long term disability benefits for a condition they’re currently treating.

However, the strength of your claim for disability benefits almost entirely turns on the medical documentation of your condition(s). If your primary doctor isn’t supportive of your long term disability claim or refuses to talk to the insurance company or fill out claim forms, your best bet is to find another doctor who is willing to communicate with Sun Life. The earlier you can find a doctor who is on board with your claim for disability benefits, the easier it will be to fill out your medical file over time.

It may also be worth pointing out to your doctor that failing to support a claim for benefits will prevent the claimant from being able to continue to see the doctor – a denied claim for disability benefits can mean a decrease in available income and, in many cases, an end to health insurance coverage. By making it as easy as possible for your doctor to quickly fill out these claim forms (or even to put their signature on a statement you or your attorney has drafted), you’ll improve the odds of cooperation.

Sun Life Will Most Likely Contact Your Doctor(s) at Some Point During Your Claim

Even if you provide Sun Life with written evidence of your disability and all the medical records your doctors have completed, Sun Life is likely to reach out to your doctor to assess their opinion of your condition. Sun Life may only try to contact your doctor once or twice before it simply writes off this doctor as a witness, which can put a claimant at a major disadvantage if most of their medical records are signed by someone who Sun Life can’t contact.

Does Every Treating Doctor Need to Complete an Attending Physician Statement for Sun Life?

Many long term disability claimants have multiple doctors, any or all of whom can submit an attending physician statement for Sun Life to consider. While one doctor may be sufficient, especially if they’re a specialist, in most cases, it’s “the more the merrier” – assuming all the doctors who complete an attending physician statement are likely to be supportive of your claim for long term disability benefits.

If you’re ready to submit your long term disability claim to Sun Life or have more questions about the process, Dell & Schaefer can help. Get in touch with one of our experienced long term disability insurance attorneys today to set up your FREE initial consultation.

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FAQ

Do you work in my state?

Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.

What are your fees?

Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.

The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.

In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.

Do I have to come to your office to work with your law firm?

No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via telephone, e-mail, fax, GoToMeeting.com sessions, or Skype. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.

How can I contact you?

When you call us during normal business hours you will immediately speak with a disability attorney. We can be reached at 800-682-8331 or by email. Lawyer and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.

Dell & Schaefer Client Reviews   *****

Maria K.

It was a great experience I had with the whole team. Whoever I worked with through out the whole process was very responsive, detail and time sensitive. The cost arrangement was discussed up front so I knew exactly what my cost would be. My case was discussed in person, all the documentation I had available, I provided. Some specific statements were requested of me, friends and family. It was reviewed by Dell & Schaefer and it was determined that I had a strong case.

The appeal was submitted before the deadline and I had a copy of it to review. I was very pleased of the whole content of the submission. I read all the strong points of the appeal and I knew at that point that it was a very strong appeal case and one way or another Dell & Schaefer would win the case. It was a matter of principal for me and I feel that I got my point across to my employer. I could’ve waited to go through a trial but I did not because I really did not want to have this issue hanging over me any longer so agreed to settle my case.

They are very detailed, responsive, up-front, they tell you if you have a strong case, tell you the angle that they’ll use to go after your case, get all the appropriate documentation so as to back-up everything they say, they are time sensitive and keep you updated as time goes by. They are a great team! I had my concerns at first because they are not local but they gave me all the time I needed to have any discussions and ask any questions.

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