View now Long-Term Disability Insurance Features Eligibility

Learn what the most common Long-Term Disability claims are and why you should have Long-Term Disability insurance. Without disability insurance, many people must turn to their savings or change their lifestyle, should they experience a loss of income. Many people are not prepared to manage the challenges that come with income loss due to a disability. If the pandemic has taught us anything, it is that you need to plan for the unexpected and the chance you may become disabled. Most Long-Term disability claims are not due to an accident, nor do they happen at work. In 2019, less than 1% of American workers missed work because of an occupational illness or injury.

Sun Life’s Long-Term Disability insurance, made available through the PEF Membership Benefits Program, is available to help you return to work and your normal routine as quickly as possible. If this happens, Long-Term Disability (LTD) insurance may give you the financial support you need so you can focus on getting better. If you don't we will suspend payment immediately.Protect Your Paycheck & What You Love About LifeĪ serious illness or injury can turn your life upside down for months-or even longer-and it might, also, mean you aren’t able to work. Please send all the corresponding medical documents to us as we need to review them. Then the calls start coming in from their adjuster every few days asking you when will you return to work, how long will you be off. Then, if you are miraculously approved, then you will get your first payment on the 30th of the month. They will do this for an additional 3 months as you are obviously not working and have no income. Like oh, we never received these forms, oh we are waiting for your employer to send us this and that. In regards to long term disability, they make you wait a standard 3 to 4 months then you send them everything they ask for, then starts the ghosting game on their end. But the moment you need to use their insurance you will just be given the run-around. Sun Life is great at collecting your money and stating how they will protect and assist you and blah blah blah. Disability Insurance | Glossary and FAQ.Compare Credit Cards: Travel and Insurance.Compare Credit Cards: Rewards and Value.

Sun life insurance disability claim