The pain associated with a disability can be difficult to bear. The pain of being denied long-term disability insurance benefits by your long-term disability insurance carrier - in this case, Sun Life assurance Company of Canada - exacerbates the physical pain of a disabling condition.

Dealing with insurance companies is hardly ever a pleasant experience. This is because to them, you are just a number that represents a negative proposition on their balance sheet if you happened to submit a claim for disability benefits with them.

Can I file a claim for long-term disability due to substance abuse disorder? Yes, you can. Be advised that you might face stiff resistance from your long-term disability (LTD) insurance company.