Even though companies offer their employees long-term disability insurance, the disability application process is often more difficult than one would expect. It isn’t as simple as just taking out the policies and taking advantage of the benefits when you need them. Quite often employees are forced to enlist the services of a disability attorney in order to collect money that is justly theirs, and for those who have no other source of income it can be a tedious and difficult process.
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Susan Knight has not been able to work with any reasonable continuity since February 1, 2006 due to a litany of disabling conditions pertaining to her neck. Sun Life Insurance Company does not agree. The medical conditions that preclude her from working either at her own or any occupation include but are not limited to the following:
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