I was brutally sick for a year with vertigo, head pain, unable to walk, blood flow congestion in my legs and severe pain in my butt when sitting. Sun Life Financial rejected my disability claim and refused to help me.
Their rejection letter stated "there was no unifying diagnosis" and "I did not follow through on a regular basis with many of the specialist". Yeah, there was no clear diagnosis. When a doctor told me "I have nothing to offer you", I would try a new doctor. When the new doctor - after ordering new tests - said he didn't know what was wrong, I would try another doctor. THAT'S WHAT YOUR SUPPOSED TO DO! NOT GIVE UP!
One of the doctors wrote a prescription for medication and said "give it a shot". I did, it made me worse. That doctor then wrote another prescription and said "try it". I did, it also made me worse. There was no other medical advice offered.
Sun Life's letter also stated they based their decision partly on medical records from a doctor who performed an earlier operation on me. That operatrion had no relavance to my current sickness. I came through that operation relatively easy and have no idea why he was even included in the letter.
Conversely, Sun Life, ignored a doctor who actually helped me regain some walking ability - despite the fact the company made me fill out a long form indicating what diagnosis & treatment he performed.
Their letter also downplayed my symptoms claiming since there was no diagnosis it couldn't be disabling. They also downgraded my vertigo to dizziness. Vertigo and dizziness are not the same thing. Vertigo is a brutal, deadly hell - especially when it last continuously for months.
THIS COMPANY PLAYS GAMES. I do not recommend them.
Fortunately, I did not pay the premiums - my employer did. Thus, I decided not to pursue legal action.
I also had AFLAC insurance. That company was very helpful & I strongly recommend them.