![]() Sun Life refuses to pay disability insurance benefits to Arkansas womanĬynthia Evans and her Arkansas disability lawyer recently filed a civil complaint against Sun Life Assurance Company of Canada (Sun Life) in the Circuit Court of Saline County, Arkansas regarding Sun Life’s refusal to pay disability insurance benefits to Ms. An experienced disability insurance lawyer must be able to prove to that the insurance company acted unreasonably, regardless of the structural conflict of interest. ![]() The existence of a structural conflict of interest is not a reason to reverse a claim denial. The court basically said that when there is a structural conflict of interest it is only one factor that must be considered when a disability company denys benefits. ![]() The US Supreme Court addressed the conflict of interest issue in the case of MetLife v. How can a disability company act a fiduciary to the insured when at the same time a decision to pay benefits will reduce the net income of the company? The conflict of interest exist because the disability insurance company not only pays the benefits, but has the ultimate authority to approve or deny benefits. In most long term disability insurance claims which are governed by ERISA there is an inherent structural conflict of interest. Here are examples of two recent cases in which SunLife Insurance Company and Aetna Life Insurance Company had a structural conflict of interest and denied disability insurance benefits. SunLife & Aetna sued for denial of disability benefits
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