Question
Are there rights to damages outside unpaid benefits? Whose responsibility is it to show proof of disability?
Sun Life is doing a review of my case, while I am certain they will keep me on LTD they suspend my benefits while they do this. It is taking over a month after they said it will be done the third week of April. They had not received medical records from one of my providers and never notified me about this. I found out after I called and asked if my eval has been completed. Not only that after I called my provider they told me they received no request for medical records so I had to go through that process. I am going to miss my date of payment which means I will be late on multiple debts I owe. This will cause me to have to pay a lot of penalties and even destroy my credit. Why is Sunlife not responsible for their foul ups and suspension of benefits that causes monetary penalties and life altering credit hits?
Answer
Riley, Unfortunately, no. There are no rights to damages outside unpaid benefits. Additionally, under the law it remains the duty of the insured to provide proof of disability – so I would highly recommend you obtain and forward the records yourself as opposed to rely on Sun Life to do it.
