I would recommend that anyone considering using the Sun Life Disability Insurance Rethink. Given the way the Company has treated me when I finally put in a claim for a possible 2 year disability after paying the Disability Insurance Premiums for 19 years (without a claim), I think anyone wanting to cover himself (herself) for a disability would be better off putting the "Disability Insurance Premiums" (the company charges for its useless insurance) into a bank account to cover the possibility of a disability. Putting the Dissbility Premiums I paid for 19 years into a savings account earning just 2%/year (!) would have given me about $12,507 in the Savings Account at the end of the 20 years. Instead of doing this, I faithfully paid these Disability Insurance Premiums for 19 years, only to have my claim denied after my doctor sent documentation indicating It was Medically impossible to continue working in my prior position; and this denial came WHILE I WAS ON SICK LEAVE because of my employer's acceptance of my disability after contacting my doctor. In fact, seeing my impairment at work, it was my employers who recommended that I get a medical evaluation before I continue to work. The doctor promptly indicated (and my employer agreed) that I was unable to continue in the position (disabled per Sun Life's criteria), and agreed to allow me sick leave until the Disability Insurance kicked in. As I mentioned, after the employer indicated to this Insurance Company that I was on sick leave BECAUSE of a DISABILITY, the Insurance Company Denied my Disability Claim indicating they felt I was healthy enough and ready to go back to work in the exact same position; WHILE OUT ON SICK LEAVE FOR A DISABILITY THE EMPLOYER SPOTTED AND WANTED CHECKED BY MY DOCTOR!! I recommend you avoid this insurance company like would would avoid "A Plague"! Save your money to cover yourself for a possible hardship; giving "Premiums" to this Insurance Company is like throwing money into the garbage. You would find this out if you ever had to file a claim. One other thing; the Sun Life Financial Company has a D Rating for its "Financial Strength". Part of this rating pertains to this company's Financial Ability to meet (Creditors) Claims (those of us holding an Insurasnce Policy are actually among the Company's Creditors!). It also indicates that its operations tend not to be Financially Sound; indicating it is not handling its insurance business in a manner that will ensure a profit and meet all of its (insurance) obligations. This might bring into question its long term prospects; which is not an ideal situation for someone looking for insurance for a problem that might occur in the distant future. Please refer to http://weissratings.com for more information about these ratings. Question: could the unsoundness of this company's financial position, and its recent $422 Million in Losses in the 3rd Quarter of 2013 (see http://www.globalpost.com/dispatch/news/the-canadian-press/131106/insurer-sun-life-financial-reports-q3-loss-sale-us-annuity-b) explain their unwillingness to pay a claim??