Who is Making the Decisions on a Sun Life Disability Benefits Claim?

Disability insurance claimants are routinely telling our disability insurance attorneys about their dissatisfaction with the manner in which a disability insurance company has handled their claim for disability benefits. Let’s take a look at why this disappointment is taking place.

Most commonly our long term disability lawyers are asked questions such as:

The answer to all of these questions is relatively simple. Most disability claims analyst maintain large caseloads and are not qualified to make a decision about whether or not you can do your job.

According to a recent job posting on Linkedin.com by Sun Life Financial Insurance Company, a “Long Term Disability Financial Benefit Analyst” is expected to maintain a “caseload range of 120-140 LTD claims & 350 – 375 claims per Analyst for Life Waiver”. In addition to the large case load that a disability claims examiner must handle, he or she is also limited by a lack of educational and work experience.

In the same Sun Life Financial job posting, the educational experience was nothing more than “1 year previous experience in claims practices.” It does not even appear that a high school or college degree is required.

It is scary to think that a disability claimant’s future source of financial income may be determined by an overworked and potentially unqualified individual. It is the long term disability benefit analyst in every disability case that makes the final decision to approve or deny benefits.

The job posting by Sun Life Financial is also informative for disability claimants, because it gives claimants an insight into the way in which a disability insurance company will look at a claim. It is interesting to note that the Long Term Disability Benefit Analyst is also responsible for “managing”¦ financial risk associated with an assigned block of long term disability and/or life waiver claims”. How could a Sun Life disability benefit analyst simultaneously have a fiduciary duty to protect the best interest of a disability claimant and manage the financial risk of Sun Life? This is the type of conflict of interest which disability claimants must recognize.

Download the actual job description posted on LinkedIn.com by Sun Life Financial.

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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.

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Anna P. (Iowa)

Mr. Jessup was able to secure approval for my benefits beyond the 2 year mark. This is a critical time as the evidence must show that you can’t work any occupation. By engaging him before the two year mark we were able to avoid a lapse in claims or erisa appeal.

Mr. Jessup was very professional, kind, flexible, and ultimately got results. The assistant on our case was Michal and she was amazing throughout the case. Very professional, quick to respond to questions, organized, and proactive.

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