Sun Life Wrongfully Terminates Employee’s Long Term Disability Benefits

O’Ryan Law Firm, on behalf of Plaintiff Amy R., recently filed a lawsuit against Sun Life and Health Insurance Company (“Sun Life”). The Plaintiff was employed as an Accounting Clerk with Members Advantage Credit Union for many years which made her eligible for disability benefits under the Members Advantage Credit Union Insurance employee benefit plan.  Her employer provided her with both short and long term disability coverage in the event she became unable to continue working due to a serious illness or injury.  However, the insurance company who insured the benefits, Sun Life, refused to complete their end of the bargain and prematurely terminated Amy’s disability benefits despite the fact her doctors continued to report that she was unable to return to work.

Facts of the Case

Amy was a very hard working and productive employee of Members Advantage Credit Union for over twenty years until she became disabled in 2014 due to the disabling effects of lumbar and cervical herniated discs, back pain, degenerative disc disease, chronic pain, lumbar radiculitis, and osteoporosis.  She had struggled with these conditions for many years but loved her job and did everything possible to continue working as long as possible despite the chronic pain she endured from her multiple back problems.

At a certain point in time, Amy could no longer continue her superhuman efforts to work through her severe back pain. After speaking with her doctor, she left work and filed an application for long term disability benefits.  Sun Life approved her claim but mysteriously only paid her for a short period of time, from November 2014 to January 5, 2015, despite no improvement in her health and the fact that she has degenerative back issues.

Sun Life Wrongfully Terminates the Long Term Disability Benefits

On January 5, 2015, Sun Life terminated the Plaintiff’s long term disability benefits. The medical records and statements from the treating physicians continued to show that Amy suffered from serious back problems and chronic pain preventing her from working.  As a result, she filed an appeal with Sun Life challenging their termination of her monthly disability benefits. With this appeal, Plaintiff included significant medical evidence to prove her disability.  On April 15, 2016, Sun Life denied Plaintiff’s appeal.

Plaintiff Seeks Payment of her back benefits, interest and future benefits

Immediately following the denial of her appeal, the O’Ryan Law Firm filed a lawsuit in federal court requesting that the Court order Sun Life to comply with their own policy provisions and properly pay the disability benefits.  Given that she lost her job and no longer was receiving disability benefits, Amy suffered significant financial consequences as a result of the termination of her disability benefits.  She has asked the Court to order Sun Life to pay the unpaid back benefits, interest on the unpaid benefits, payment of her attorney fees, and reinstatement of her monthly disability benefits.

If your claim has been denied or terminated by Sun Life, please contact the O’Ryan Law Firm as soon as possible to discuss your case in detail before any deadlines are exhausted.  We routinely represent disabled clients in appeals and litigation in claims that have been wrongfully denied by Sun Life.