If you don't we will suspend payment immediately. An employee can be as empathetic as possible, but empathy means nothing if all they say is sorry when they reject your claim for benefits. 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. Sun Life is among the largest providers of long-term disability insurance in the U.S. Disability Insurance | Glossary and FAQ.
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