Sun Life Financial Long-Term Disability Complaints

If Sun Life Financial has denied your long-term disability claim, or if you believe your claim was denied incorrectly, you may be able to file a complaint. While the process for filing an appeal varies between providers, many require you to submit a complaint and supporting documentation. Sun Life can always make mistakes during the process, and you are allowed to be vocal of any errors you find. If you need help filing an appeal, we can help.

If you think Sun Life has violated the Insurance Act, there are different processes depending on the province you reside in. For Ontario, the process requires you to identify the correct issue with Sun Life or one of their agents. The process will be much easier and more effective with the help of a lawyer.

The following are the steps outlined by the Financial Services Regulatory Authority of Ontario (FSRA):

Step 1: Find your insurance company's complaint officer
Step 2: Request a final position letter on your case. 
Step 3: If your insurer has not referred you to the OmbudService for Life & Health Insurance (OLHI) and you feel the insurance company or agent may have breached the Insurance Act, then send a complaint to FSRA. FSRA will consider your complaint if relevant documentation exists that supports your complaint.

The FSRA considers a range of outcomes when reviewing consumer complaints:

• If the matter is not something we can take action on, they will let you know or may refer you to an organization that can help
• If they need more information from you, they will contact you
• If the matter you have raised does not break any laws they enforce, they will close the case
• If the matter you have raised potentially breaks any laws they enforce, they will consider what action, if any, should be taken

To file a complaint with the FSRA, fill out the form linked below:

FSRA Complaint Form

Call 905-522-9799 for more information and how Findlay Personal Injury Lawyers can help you successfully file a complaint and receive the coverage you deserve.