Sun Life Short-Term Disability: How It Works and What to Do if Your Claim Is Denied

If you’re unable to work due to an illness or injury, Sun Life short-term disability (STD) benefits can provide temporary income support.

But many Canadians run into issues — including delays, denials, or confusion about how long benefits last.

This guide explains how Sun Life STD works, what to expect, and what to do if your claim is denied.

What Is Sun Life Short-Term Disability?

Short-term disability (STD) benefits provide income replacement if you’re unable to work for a limited period due to a medical condition.

These benefits are typically:

• Offered through employer group insurance plans
• Designed to cover temporary disabilities
• Paid for a defined period of time

How Long Do Sun Life STD Benefits Last?

The length of STD benefits depends on your specific policy.

In most cases, benefits last:

• Up to 15–26 weeks
• Or until you’re medically able to return to work

Once STD benefits end, some individuals may transition to long-term disability (LTD).

How Much Do Sun Life STD Benefits Pay?

Most policies provide:

• 60% to 70% of your income
• Paid on a regular schedule (e.g., weekly or biweekly)

The exact amount depends on your employer’s plan.

Common Reasons Sun Life STD Claims Are Denied

Even short-term disability claims can be denied.

Common reasons include:

• Insufficient medical evidence
• Disagreement about your ability to work
• Missed deadlines or incomplete forms
• Pre-existing condition issues

Delays and Problems With Sun Life STD Claims

Some claimants experience:

• Delayed payments
• Requests for additional medical documentation
• Frequent follow-ups or reassessments

Transition From STD to LTD

If you’re still unable to work when STD benefits end, you may qualify for long-term disability.

This transition is not automatic.

You will typically need to:

• Submit a new application
• Provide updated medical evidence
• Meet the LTD definition of disability

What to Do if Your Sun Life STD Claim Is Denied

If your claim is denied, you have options.

✔️ Review the Denial Letter

Understand why your claim was denied.

✔️ Gather Stronger Medical Evidence

Focus on how your condition affects your ability to work.

✔️ Act Quickly

There may be time limits to challenge the decision.

When to Speak to a Disability Lawyer

You should consider legal advice if:

• Your STD claim is denied
• Your benefits are delayed
• You’re unsure how to proceed

A 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

What is Sun Life short-term disability?

It’s a benefit that provides temporary income if you’re unable to work due to illness or injury.

How long does Sun Life STD last?

Typically up to 15–26 weeks, depending on your policy.

Can Sun Life deny a short-term disability claim?

Yes. Claims may be denied due to insufficient medical evidence or other policy-related reasons.

What happens after STD ends?

You may transition to long-term disability if you’re still unable to work.