For employees covered for Group Life, Disability, Supplemental Health or Dental at work.
We would like to offer our sincere condolences for your loss. If your loved one has benefits with Sun Life, call us at 800-247-6875, Monday through Friday from 8 am to 8 pm ET and we can help you with your claim.
Information we will need:
We will reach out to your loved one’s employer for any additional information we need.
Call 800-247-6875 and follow the prompts for automated service to track the status of your Life claim.
Waiver of Premium is a provision that allows Group Life Insurance coverage to continue without premium payments if you become totally disabled, as defined by the policy. Once approved, coverage continues without further premium payment from you or your employer until you reach the maximum age, retire, or are no longer disabled. Please check with your employer for the maximum age.
To start your claim:
Your Sun Life Group Life insurance policy may include the Accelerated Benefit. This benefit can be helpful if you’re experiencing a qualifying event/terminal illness. It provides a one-time lump sum payment up to a certain percentage of your Life insurance coverage. There are some important things to know about it, including that it is not long-term-care insurance, it may be taxable, and it may affect your eligibility for public assistance programs. It will also reduce the total amount of the life insurance payment we pay to your beneficiary(ies). Please refer to your Certificate of Insurance for qualifying event definitions and eligibility requirements.
How to apply:
You can update your beneficiary designations online by logging in to your benefits portal.
You can also download and complete the Beneficiary Designation Form and submit it to your employer for processing. (Your employer's Human Resources department keeps a record of your designation.)
If you are on Waiver of Premium, you must mail or fax the Beneficiary Designation Form directly to Sun Life at:
Mail:
Sun Life
P.O Box 219572
Kansas City, MO 64121
Fax to: 888-551-2084
Yes. If you opt to convert, you will be responsible for paying the Life premium. The cost of conversion coverage is different than your group coverage.
Call our Member Services at 800-247-6875. Tell us you want a Group Life Conversion application. If you are eligible, we will collect your information so we can send you the Group Life Conversion package containing the application forms and your illustration.
Follow the instructions in your Group Life Conversion package sent by Sun Life. You must complete and return the required documents along with your first premium payment within 31 days of your coverage termination date.
How Do I . . .
Once your claim is approved, the start date of your payments depends on a few key factors:
Important note: If you become disabled during the eligibility waiting period, you will not receive benefits.
How Do I . . .
Talk to your employer. Depending on your where you perform your work, there may be a state program that will offer paid benefits for the need to take a leave for your own serious health condition, to care for a family member with a serious health condition, or to bond with a new child.
Back to Disability and Paid Family and Medical Leave (PFML) Claims | Top
To file a Short- or Long-Term Disability or Paid Family and Medical Leave (PFML)* claim, you will need to complete a claimant statement, which asks for the following information:
You can submit your claims online. You only need to submit one claim for your disability and absence benefits - and we'll take care of the rest.
To get started:
*Applicable with PFML coverages you have with us. If you’re submitting a disability claim, we will initiate any statutory disability and PFML coverages that may apply.
Back to Disability and Paid Family and Medical Leave (PFML) Claims | Top
As soon as you get your claim number provided in our acknowledgement letter that was sent by mail or email, you can check your claim status:
Online through your Sun Life account:
Call us at 800-247-6875 Monday through Friday 8 a.m. to 8 p.m. ET.
Back to Disability and Paid Family and Medical Leave (PFML) Claims | Top
A claim specialist will review your claim once we have all necessary paperwork. We'll contact you with our decision and send a follow-up letter with details of our decision.
Back to Disability and Paid Family and Medical Leave (PFML) Claims | Top
How do I . . .
To notify Sun Life and your employer of a Short-Term Disability claim, you can use the following methods:
Online – the easiest way to submit your claim:
You can upload all completed forms to your Sun Life account by completing the following steps:
Note: If you submit a disability claim, we will initiate any statutory disability and Paid Family and Medical Leave coverages that may apply.
Follow your “How to file a claim” instructions provided by your employer. Or call us at 800-247-6875, Monday through Friday from 8 a.m. to 8 p.m. ET.
Benefits are based upon appropriate doctor certification. Typically, you become eligible for benefits on the day you deliver. Please note, there may be a short period of time, called an Elimination Period, before benefit checks actually begin. Ask your employer or refer to your Employee Benefits booklet to determine the length of your Elimination Period. Short-Term Disability benefits typically end six weeks after your delivery date. If you have medical complications that prevent you from doing your job, we will review the medical records provided by your doctor and may extend your benefits beyond this timeframe.
If you have medical complications that prevent you from doing your job, we will review medical records provided by your doctor and may provide benefits prior to your expected delivery date.
Sun Life Assurance Company of Canada is not responsible for paying claims for work-related injuries. Such claims should be directed to your employer's Workers' Compensation insurer.
In most cases, PFML will reduce your Short-Term Disability benefit. The exact impact depends on your specific policy. Refer to your Sun Life certificate or reach out to your employer for more detailed information.
Under the Family and Medical Leave Act (FMLA), eligible employees of qualified organizations have the right to take up to 12 weeks of unpaid leave during a 12-month period.
While FMLA doesn't offer any benefits that would affect a Short-Term Disability, FMLA does guarantee your job availability once you return from your medical leave.
Short-Term Disability coverage may be continued during the leave at the same contribution level as before. The employer can recoup premiums that were paid for continued benefits if the employee does not return to work. Please contact your employer for more information.
To notify Sun Life and your employer of a Long-Term Disability claim, you can use the following methods:
Online - the easiest way to submit your claim:
How do I . . .
You can also check your status by calling Supplemental Health claims at 877-820-5306.
You can go to www.sunlife.com/findadentist and select your network from the drop-down to get started.
For a more personalized search:
Online through your Sun Life account:
Through your Sun Life Dental (U.S.) mobile app account:
For iPhone users:
3. From the menu, select Add to Home Screen.
4. Give your icon the name Sun Life account and then select Add.
Your new website icon will now be visible on your phone’s home screen. You can select this icon at any time to quickly access your Sun Life account.
For Android users:
3. From the drop-down menu, select Add to Home screen.
4. Give your icon the name Sun Life account and then select Add.
5. Select Add again if asked a second time.
Your new website icon will now be visible on your phone’s home screen. You can select this icon at any time to quickly access your Sun Life account.
Group insurance policies are underwritten by Sun Life Assurance Company of Canada (Wellesley Hills, MA) in all states, except New York. In New York group insurance policies are issued by Sun Life and Health Insurance Company (U.S.) (Lansing, MI). Product offerings may not be available in all states and may vary depending on state laws and regulations.
WWC-10518-1 #1696917154 07/25 (exp. 07/27)
