Sun Life Financial Unfair Denial of Short Term Disability Claim Wellesley Massachusetts

After working at my current place of employ and paying Short Term Disability Premiums for 2 years, I became disabled by mental illness, namely PTSD and Major Depressive Disorder with anxious distress and psychotic features as of 11/11/2017.    After exhausting my own personal leave and sick leave, I filed a claim with Sun Life for Short Term Disability. Affter they took over 3 months to review my claim, they then denied me stating that my submitted documentation does not support "Total Disability."    If being homebound with doctor's orders to not work for 6 months is not "Total Disability," then I don't know what is short of laying in the grave.    What is most troubling is that I am not alone. A quick internet search produces many similar complaints about the Sun Life company:    https://www.consumeraffairs.com/insurance/assurant.html    http://mythreecents.com/reviews/sun-life-financial    https://insureye.com/Reviews/Life-Insurance-Reviews/45-Sunlife