Question
When it comes to qualifying for long-term disability benefits from Sun Life, can you tell me is PTSD, short-term and long term memory loss considered a mental and physical disability with Sun Life? If I show SunLife proof that I can't work, do they have to continue my benefits?
When it comes to qualifying for long-term disability benefits from Sun Life, can you tell me is PTSD, short-term and long term memory loss considered a mental and physical disability with Sun Life? Or is it just mental? Also have you won cases for long-term disability benefits for chronic hip pain caused from bursitis, chronic back pain from Osteophytes, and chronic shoulder pain caused from calcific tendonitis? If I have provided Sun Life with medical records, x-ray, MRI showing these conditions and a doctor’s statement stating I cannot work due to my physical pain, and not being able to walk; then doesn’t Sun Life have to continue to pay long-term benefits?
Answer
Shannon, If the memory loss is on account of the PTSD, as opposed to an organic brain condition, then chances are Sun Life will determined that the memory loss is a symptom of the PTSD and therefore be limited to any limitation for mental health conditions. Pain conditions are a leading cause of disability claims. Please note that even though you have diagnostic medical evidence of a medical condition, this does not, in and of itself “prove” you are disabled. You still have to support your diagnosis with a demonstration of restrictions and limitations that would limit you from performing your occupation or any occupation as the case may be.
