How long do I have to challenge a denial?

Internal appeal windows are set by the insurer, and separate statutory limitation periods apply to court claims — and the policy can shorten them. Check both immediately.

Does my employer's plan change my rights?

Group plans are governed by the master policy and plan documents, which can differ from individual coverage. Request the master policy, not just the booklet.

Sun Life — Your Rights & How to Escalate a Matter

Sun Life: Your Rights

Sun Life is a major Canadian insurer and financial services organization providing life, health, disability and group benefits plus wealth management. It is federally regulated for prudential purposes with provincial market-conduct oversight and independent ombudservice review available.

Matters Lawyers Handle in This Sector

Life, health and disability claim denials
Group benefits administration and coverage disputes
Long-term disability terminations
Beneficiary and estate-related questions

Your Rights

The specific policy provision relied on, in writing
Access to your policy and claim documentation
Internal appeal and free ombudservice escalation
Good-faith claims handling

How to Escalate a Matter

1Insurer internal appeal
First step, in writing.
2OmbudService for Life & Health Insurance (OLHI)
Independent review for life and health disputes.
3Provincial regulator
Market conduct oversight in your province.

Escalation routes and their requirements change. Confirm the current process before relying on it.

Frequently Asked Questions

How long do I have to challenge a denial?: Internal appeal windows are set by the insurer, and separate statutory limitation periods apply to court claims — and the policy can shorten them. Check both immediately.
Does my employer's plan change my rights?: Group plans are governed by the master policy and plan documents, which can differ from individual coverage. Request the master policy, not just the booklet.

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This page is educational information about the regulatory framework and your options in this sector. It is not legal advice, contains no complaints, ratings, reviews or rankings, and makes no statement about the conduct of any organization. LegalCounselNearMe is not a law firm and is not affiliated with Sun Life.