Los Angeles and Orange County Disability Insurance and ERISA Claim Attorneys Fight Sun Life Claim Denials

At McKennon Law, we represent individuals and beneficiaries in a broad range of insurance disputes, including those involving long-term disability, short-term disability, life insurance, accidental death and dismemberment (AD&D), health insurance, and ERISA-governed benefit plans. One of the insurers we regularly face is Sun Life Financial, a major provider of group disability and life insurance across the United States. Many of our clients come to us after Sun Life has denied or terminated benefits — often relying on questionable medical reviews, vocational assessments, or policy exclusions. Drawing on decades of experience — including years spent representing insurers — our attorneys understand Sun Life’s claims practices and know how to effectively challenge its decisions.

Sun Life Financial, headquartered in Toronto, Canada, is one of the world’s largest insurance and asset management companies. Its U.S. division, Sun Life U.S., has grown significantly in the group disability and life insurance market, particularly after acquiring the U.S. group benefits business of Assurant in 2016. While Sun Life markets itself as a committed and responsive insurer, we routinely see cases where it has denied legitimate claims based on flawed internal reviews or administrative technicalities. At McKennon Law, we have a strong track record of success against Sun Life, including securing reinstatement of wrongfully denied disability claims, recovering back benefits, and obtaining favorable settlements in both ERISA and individual policy cases.

In individual (non-ERISA) matters, Sun Life has exhibited conduct that constitutes insurance bad faith, including failure to investigate claims in good faith, ignoring favorable medical evidence, and relying on conflicted in-house reviewers to support denials. In these cases, our firm not only seeks full payment of the policy benefits owed but also pursues extra-contractual damages — such as emotional distress and punitive damages — when appropriate. We are well-versed in holding Sun Life accountable under California and other state laws when it places its financial interests ahead of its duties to the insured. When Sun Life fails to meet its obligations, we respond swiftly and strategically to protect our clients’ rights.