Sun Life Long-Term Disability Claims in Canada: How It Works and What to Do if You’re Denied

If you’re dealing with a Sun Life long-term disability (LTD) claim, you likely have questions about how the process works — and what happens if your benefits are delayed or denied.

Sun Life is one of the largest disability insurers in Canada. While many claims are approved, it’s not uncommon for people to face issues such as:

• Unexpected claim denials
• Delays in payments
• Pressure to return to work
• Requests for ongoing medical proof

Understanding your rights can make a significant difference — especially if your income depends on your benefits.

How Sun Life Long-Term Disability Works

Long-term disability benefits through Sun Life typically begin after:

• A period of short-term disability (STD) or
• An elimination period (often around 120 days)

Once approved, LTD benefits usually provide a percentage of your income (commonly 60–70%).

However, approval is only the first step — ongoing eligibility is regularly reviewed.

How Long Do Sun Life LTD Benefits Last?

In many cases, Sun Life LTD benefits can last until age 65.

But there’s an important change after the first 2 years:

• First 2 years → You must be unable to do your own job
• After 2 years → You must be unable to do any job suited to your experience

This is where many claims are reassessed or cut off.

Sun Life Long-Term Disability Rules You Need to Know

To keep receiving benefits, you must:

• Provide ongoing medical evidence
• Follow recommended treatment plans
• Participate in insurer requests (forms, updates, assessments)
• Notify Sun Life of any changes to your condition or work status

Sun Life may also:

• Request independent medical exams
• Conduct surveillance
• Review your social media activity

Common Problems with Sun Life Disability Claims

Many people experience issues during their claim, including:

Claim Denials

Sun Life may deny claims due to:

• Insufficient medical evidence
• Disagreement about your ability to work
• Pre-existing condition exclusions

Payment Delays

Some claimants experience delays in receiving benefits or interruptions in payments.

Travel Restrictions

Travelling while on disability can raise concerns or trigger reviews.

What to Do if Your Sun Life LTD Claim is Denied

If your claim has been denied or cut off, you have options.

You may be able to:

• Challenge the denial
• Provide additional medical evidence
• Take legal action to recover benefits

When to Speak to a Disability Lawyer

You should consider speaking to a lawyer if:

• Your claim has been denied
• Your benefits have been cut off
• You’re being pressured to return to work
• You’re unsure about your rights

A long-term disability lawyer at Samfiru Tumarkin LLP can review your situation and explain your options. Our firm has helped thousands of Canadians get answers and recover fair compensation.

FAQ Section

How long does it take Sun Life to approve LTD?

Approval timelines can vary, but delays are common if additional medical information is required.

Can Sun Life stop my benefits after 2 years?

Yes. After 2 years, the definition of disability becomes stricter, and many claims are reassessed.

Can I work while on Sun Life LTD?

In some cases, partial or modified work may be allowed, but it depends on your policy and medical condition.

Can Sun Life monitor my activities?

Yes. Insurers may use surveillance or request updates to confirm ongoing eligibility.