Sun Life Long-Term Disability Payment Dates in Canada

If you receive Sun Life long-term disability (LTD) benefits, knowing when payments are issued matters. Disability benefits are often a primary source of income, and delays or uncertainty around payment dates can create unnecessary stress.

Below is an overview of how Sun Life disability payments are typically scheduled, what can affect timing, and what to do if a payment is late or missing.

When Does Sun Life Pay Long-Term Disability Benefits?

Sun Life generally issues long-term disability payments on a monthly basis.

In most cases:

• Payments are made once per month
• Benefits are paid in arrears (for the previous month)
• Funds are deposited directly into your bank account

Exact payment dates can vary depending on your specific policy and when your claim was approved.

Sun Life LTD Payment Schedule

While Sun Life does not publish a universal calendar that applies to every policy, payments are commonly issued toward the end of each month or the beginning of the following month.

Some plans follow:

• A fixed monthly schedule
• A payroll-aligned schedule
• A schedule tied to the claim approval date

What Can Affect Sun Life Disability Payment Dates?

Several factors can affect when your LTD payment is issued, including:

• Initial claim approval timing
• Requests for updated medical information
• Reassessments of your claim
• Administrative processing delays
• Banking or holiday schedules

Delays are more common when a claim is being reviewed or reassessed.

Are Payments Delayed During Reassessments?

Sometimes.

Payments may be delayed when Sun Life:

• Requests updated medical records
• Conducts a file review
• Reviews eligibility after a reassessment

This can happen during ongoing claims or around the 24-month (2-year) mark, when many policies change from an “own occupation” to an “any occupation” definition.

What If Your Sun Life Disability Payment Is Late?

If your payment is late or missing:

• Check your bank account for processing delays
• Review recent requests from Sun Life
• Confirm whether your claim is under review
• Contact Sun Life for clarification

Can Sun Life Stop Payments Without Notice?

In most cases, Sun Life should notify you if benefits are being reduced, suspended, or terminated.

However, some claimants report:

• Payments stopping before a clear explanation is provided
• Delays while reassessments are ongoing
• Confusion about whether benefits are paused or ended

If payments stop unexpectedly, it’s important to understand why.

Payment Issues and Common Claim Concerns

Payment delays often appear alongside other issues, such as:

• Repeated reassessments
• Requests for additional documentation
• Surveillance or investigations
• Communication problems

How a Disability Lawyer Can Help With Payment Issues

If your Sun Life disability payments are delayed, interrupted, or stopped, a short legal review can help determine whether:

• Payments were withheld appropriately
• The claim is being reassessed
• Benefits were effectively terminated
• You need to take action to protect your claim

Frequently Asked Questions

Are Sun Life LTD payments made monthly?

Yes. Most long-term disability benefits are paid once per month.

Are payments made in advance or in arrears?

Typically, payments are made in arrears for the previous month.

Do payment dates change over time?

They can, particularly if your claim is reassessed or your policy terms change.

What should I do if payments stop suddenly?

You should seek clarification right away and understand whether the change is temporary or a termination of benefits.

Speak With a Disability Lawyer About a Sun Life Claim

If your Sun Life long-term disability payments are delayed, reduced, or stopped, you don’t have to figure it out on your own.

Speaking with a disability lawyer at Samfiru Tumarkin LLP can help you understand your rights.