Sun Life Terminates Benefits After 24 Months Based on Nine Days of Surveillance

The question often arises as to whether an insurance company is permitted to follow claimants with surveillance for days or weeks at a time in order to attempt to discredit their disability claims. The answer to the questions is “yes.” Most disability policies allow an insurance company to invade the privacy of a policy holder by hiring private investigators to follow them around if he or she is on claim or has submitted a claim for disability benefits. This seems unfair and often causes undue stress to policy holders as they feel like their every move is being watched.

Sun Life Hires Private Investigator To Find a Smoking Gun, Court Not Impressed

In Rappa v. Sun Life Assur.Co, a recent decision out of Wisconsin, a Court reprimanded Sun life for following a claimant around for nine days, spending significant dollars trying to catch him doing something he claimed he could not. The court held that Sun Life terminated the Plaintiff’s LTD benefits based in part on snippets of surveillance taken over a nine day period showing the claimant walking short distances around his yard, driving his car and pumping gas, none of which were inconsistent with the plaintiff’s reported activity level. The court admonished Sun Life for spending a significant amount of money having the plaintiff followed for nine days, when clearly there was no smoking gun to be had, which raised questions about a conflict of interest.

An insurance company is entitled to follow a claimant with surveillance, however, if after several days they do not obtain any relevant footage, it is not proper for them to continue following a claimant for days upon days trying to catch him in the act. Dell & Schaefer did not handle the Rappa case, however, every day our attorneys are faced with the task of litigating numerous cases involving the termination or denial of disability benefits after surveillance is conducted on our clients. The Rappa case is a significant decision as it pertains to claimants’ right to free from harassment by large insurance companies looking to terminate their benefits.

To read about more Sun Life cases and user user comments, please visit this page on our website.

Comments (3)

  • If you have nothing to hide and you are really ill then you have nothing to worry about. Surveillance is not a replacement for a medical evaluation and medical reports dont lie.

    True claimant Jun 20, 2022  #3

  • Sam,

    It may or may not detract Sun Life from performing video surveillance. Sun Life does not perform a lot of video surveillance in comparison to other carriers; as such I would not automatically assume Sun Life has conducted any just because they are requesting records. The request for records, however, is a signal that your claim is being investigated.

    Stephen Jessup May 13, 2014  #2

  • In Georgia it is unlawful to video someone without their consent. Would this not prevent them from using video against a claimant?

    Also if someone receives a request from Sunlife for updated information and doctors statements could it be assumed they probably have video already?

    Is it better to provide the maximum or minimum amount of information they are requesting?

    ATL Sam May 12, 2014  #1

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