![]() Sun Life May Cut-Off Benefits If You Do Not Accept a Low Ball Settlement Offer ![]() Other language used in the denial may state that the medical evidence does not document the presence of conditions physical, psychological, or cognitive in nature of such severity that the claimant could not continue to perform his or her occupation. After Total or Partial Disability benefits combined have been paid for 24 months, the Employee will continue to be Totally Disabled if he is unable to perform with reasonable continuity any Gainful Occupation for which he is or becomes reasonably qualified for by education, training or experience.Ī typical denial letter will say something to the effect that it is denying benefits because of “insufficient objective evidence to substantiate” a disability that keeps the claimant from performing his or her job duties. Under a typical LTD policy, disability occurs when: uring the Elimination Period and the next 24 months, the Employee, because of Injury or Sickness, is unable to perform the Material and Substantial Duties of his Own Occupation. Many employees participate in a group policy of long term disability insurance issued by Sun Life Assurance Company of Canada (Sun Life).
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