Sun Life Financial

Offset of Long Term Disability Benefits With Social Security Benefits

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Published: 15 April 2020

Posted by: anonymous

About three months ago I was diagnosed with stage 4 pancreatic cancer which has spread to the liver. Through my employer I received 3 months of short term disability, then after that my disability went to long term under a company sponsored Sun Life policy. During this time I applied for Social Security Disability and was approved. Due to rules with Social Security I must wait 5 full months of disability before being eligible for any payments. This the first month that I am “eligible” is April 2018. In the meantime, disability at 60% of my base pay was approved through Sun Life starting January 19, 2018.

My complaint is Sun Life’s repugnant, punitive, and unfair way. They offset payments with social security. Although I am “Eligible” for Social Security in April, my first payment from them is not until May 2018. Sun Life reduces my disability payment by the amount that I receive from Social Security each month. They are reducing it already in April, even though I will have NO money coming from Social Security for that month. This means, for April my total disability income will be less than one fourth of what it is now and what it will be in from May forward.

At least the CEO of Sun Life, by using this method for offsets, has more money to pay for his Country Club Fees and for his Yacht at the expense of a person dying from cancer. I only wish he received less than one fourth of his salary for the month of April 2018! That seems fair to me!

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