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Hospital capacity
Comparable countries include: Australia, Austria, Belgium, Canada, France, Germany, Japan, Netherlands, Switzerland, and the United Kingdom. 2. Total hospital beds include curative (or acute) care beds, rehabilitative care beds, long-term care beds and other beds in hospitals. Sources: Organization for Economic Co-operation and Development (OECD) data
Physician shortages
- The flood of early retirements and career changes due to COVID will make future shortages worse.
- Increasing number of physicians are moving from being self-employed to being employed by hospitals and corporate entities (i.e., health insurers, PE firms, large physician practices, etc.)
Source: IHS Markit Ltd. The Complexities of Physician Supply and Demand: Projections From 2019 to 2034. Washington, DC: Association of American Medical Colleges; 2021. AAMC.org. Last accessed March 2023.
Self-employed: Sources: Physician Employment and Acquisitions of Physician Practices 2019-2021 Specialties Edition report, Physicians Advocacy Institute; Avalere analysis of IQVIA OneKey database
Nursing shortages
Source: 2022 (and 2017) NSI National Health Care Retention & RN Staffing Report, https://www.nsinursingsolutions.com/Documents/Library/NSI_National_Health_Care_Retention_Report.pdf. Last accessed April 2023.
Dental care
Like acute and primary healthcare, access to quality dental care is also challenging.
These ‘dental deserts’ exist across the U.S. which limits access to care for dental patients and pressures treatment costs for insurers.
https://www.kff.org/other/state-indicator/dental-care-health-professional-shortage-areas-hpsas/
currentTimeframe=0&sortModel=%7B%22colId%22:%22Location%22,%22sort%22:%22asc%22%7D
Federal regulations stipulate that, in order to be considered as having a shortage of providers, an area must have a population-to-provider ratio of a certain threshold. For dental care, the population to provider ratio must be at least 5,000 to 1 (4,000 to 1 if there are unusually high needs in the community).
Sources: Kaiser Family Foundation, Bureau of Health Workforce, Health Resources and Services Administration (HRSA), U.S. Department of Health & Human Services; Last accessed April 2023.
Aging population
Source: KFF analysis of 2019 Medical expenditure Panel Survey data. Healthsystemtracker.org. Last accessed April 2023.
Mental Health
Source: American Psychological Association 2022 COVID-19 Practitioner Impact Survey (September-October 2022, N=812). https://www.apa.org/pubs/reports/practitioner/2022-covid-psychologist-workload. Last accessed March 2023.
Longer wait times
Source: Merritt Hawkins. Survey of Physician Appointment Wait Times and Medicare and Medicaid Acceptance Rates. 2022. Five specialties include Cardiology, Dermatology, OB/GYN, Orthopedic Surgery, & Family Medicine.
Dental new patient wait times are similarly impacted
- Top 20 cities
17.1 days (+6.1 days) - Other urban
20.6 days (+5.1 days) - Suburban
31.9 days (+2.1 days) - Rural
40.6 days (+9.8 days)
Excludes emergencies, August 2022 vs prior 12 months
Source: Economic Outlook and Emerging Issues in Dentistry Specialist Report, Health Policy Institute, American Dental Association, August 2022. ADA.org. Last accessed April 2023.
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EAP is only available with Group Disability products in New York.
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Dental ranking compiled by DentaQuest and Sun Life based on internal and publicly listed data.
Your employees (our members) who are currently receiving Short-Term Disability benefit payments for cancer; or who are approved for a Critical Illness cancer benefit (with a cancer benefit payment date on or after March 1, 2022) are eligible for the AbleTo program. Employers must have both Sun Life Short- and Long-Term Disability or have Sun Life Critical Illness.
Sun Life members receiving Short-Term Disability benefit payments for back or neck MSK conditions (provided their employer has Sun Life Long-Term Disability) or Long-Term Disability benefit payments for long COVID symptoms are eligible for the Goodpath program.
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- LIMRA 2023 Annual Sales & In-force Reports for Group Life & Disability. Long-term disability results exclude reserve buy outs. Group Term Life, long-term disability and short-term disability results exclude business sold through associations; includes BIF managed by Sun Life for insurance carrier partners.
- Ranking compiled by Sun Life based on data contained in the 2023 Accident and Health Policy Experience Report from the National Association of Insurance Commissioners ("NAIC"). An independent stop-loss carrier is defined as a stop-loss carrier that does not also sell medical claim administration services.
- Based on membership as of August 31, 2024. Ranking compiled by Sun Life and based on data disclosed by competitors..
- August 2024 Zelis Network 360 Report. Sun Life's dental networks include its affiliate, Dental Health Alliance®, L.L.C. (DHA®), and dentists under access arrangements with other dental networks. Nationwide counts are state level totals.
- Revenues (net premiums + fees) for the full-year 2023 excludes In-force Management
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- LIMRA 2023 Annual Sales & In-force Reports for Group Life & Disability. Long-term disability results exclude reserve buy outs. Group Term Life, long-term disability and short-term disability results exclude business sold through associations; includes BIF managed by Sun Life for insurance carrier partners.
- Ranking compiled by Sun Life based on data contained in the 2023 Accident and Health Policy Experience Report from the National Association of Insurance Commissioners ("NAIC"). An independent stop-loss carrier is defined as a stop-loss carrier that does not also sell medical claim administration services.
- Based on membership as of August 31, 2024. Ranking compiled by Sun Life and based on data disclosed by competitors.
- August 2024 Zelis Network 360 Report. Sun Life's dental networks include its affiliate, Dental Health Alliance®, L.L.C. (DHA®), and dentists under access arrangements with other dental networks. Nationwide counts are state level totals.
- Revenues (net premiums + fees) for the full-year 2023; excludes In-force Management.
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- LIMRA 2023 Annual Sales & In-force Reports for Group Life & Disability. Long-term disability results exclude reserve buy outs. Group Term Life, long-term disability and short-term disability results exclude business sold through associations; includes BIF managed by Sun Life for insurance carrier partners.
- Ranking compiled by Sun Life based on data contained in the 2023 Accident and Health Policy Experience Report from the National Association of Insurance Commissioners ("NAIC"). An independent stop-loss carrier is defined as a stop-loss carrier that does not also sell medical claim administration services.
- Revenues (net premiums + fees) for the full-year 2023; excludes In-force Management.
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Ratings are subject to change without notice. For current ratings, visit www.sunlife.com. In all states except New York, products are issued by Sun Life Assurance Company of Canada. In New York, products are issued by Sun Life and Health Insurance Company (U.S.).
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1. Represents a Non-IFRS financial measure. C$ as of September 30, 2024. 2. As of December31, 2023. 3. As of December 31, 2023. Rounded to the nearest hundred. Represents full-time equivalent employees, temporary employees and employee in Asia joint ventures.
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- Market capitalization (C$) as of September 30,, 2024 2. C$ As of September 30, 2024. Represents a non-IFRS financial measure. These measures should not be viewed as an alternative to measures of financial performance determined in accordance with IFRS. 3. As of December 31, 2023. Rounded to the nearest hundred. Represents full-time equivalent employees, temporary employees and employees in Asia joint ventures.
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- In Washington, implementation credits and performance guarantees are subject to 1egulatory approval and limited to cases of 500 or more lives.
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Sun Life interviews with HR admins; conducted Oct-Nov 2020
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Source: 2023 BEAT Study: Benefits and Employee Attitude Tracker, LIMRA, 2023
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Sun Life interviews with HR admins; conducted Oct-Nov 2020
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Fielded May through July 2021, a total of 1,000 people who enrolled virtually in 2020 were interviewed. Fieldwork was conducted online using the Maru/Blue panel. The margin of sampling error is +/- 3.16 percentage points (total weighted sample).
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Fielded May through July 2021, a total of 1,000 people who enrolled virtually in 2020 were interviewed. Fieldwork was conducted online using the Maru/Blue panel. The margin of sampling error is +/- 3.16 percentage points (total weighted sample).
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1. Fielded May through July 2021, a total of 1,000 people who enrolled virtually in 2020 were interviewed. Fieldwork was conducted online using the Maru/Blue panel. The margin of sampling error is +/- 3.16 percentage points (total weighted sample).
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1. Fielded May through July 2021, a total of 1,000 people who enrolled virtually in 2020 were interviewed. Fieldwork was conducted online using the Maru/Blue panel. The margin of sampling error is +/- 3.16 percentage points (total weighted sample).
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1. Fielded May through July 2021, a total of 1,000 people who enrolled virtually in 2020 were interviewed. Fieldwork was conducted online using the Maru/Blue panel. The margin of sampling error is +/- 3.16 percentage points (total weighted sample).
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*https://www.campaignmonitor.com/blog/email-marketing/2019/01/roi-showdown-sms-marketing-vs-email-marketing/ (accessed 03/18/21)
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*https://www.campaignmonitor.com/blog/email-marketing/2019/01/roi-showdown-sms-marketing-vs-email-marketing/ (accessed 03/18/21)
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1. Terms and conditions apply. Inquire for details.
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If we do not meet these performance guarantees, we will return a percentage of premium, up to a maximum cap, which we will calculate and deliver with our proposal.
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- About Sun Life Benefit Enrollment and Administration Support Program
- Requests to participate in the Program are subject to Sun Life’s standard accounts payable requirements and onboarding due diligence process.
- In order for Sun Life to make a payment under the Program, the platform must invoice Sun Life.
- No payment is made to the employer.
- To participate in the Program, standard underwriting rules, including participation requirements, must be met. All Supplemental Health products require 10% minimum participation unless Underwriting sets a different threshold.
- The Program applies to new lines of coverage only.
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1. Broker commissions may require a holdback to offset the cost of the Maxwell Health platform, 1-to-1 or telephonic benefit counselor support and/or one-time and ongoing fees/subsidies. For events managed by the broker or enrollment firm where those services are not utilized, a holdback will not be required, and full commissions are payable in most states.
2. In CA and CT, “Critical Illness” is referred to as “Specified Disease.”
This supplemental health broker compensation program is available to new business in all states with effective dates September 1, 2021, underwritten by Sun Life and Health Insurance Company (U.S.) and Sun Life Assurance Company of Canada (collectively “Sun Life.”) The program and commission scales are subject to change without advance notice. All decisions regarding payment of commissions are made by the underwriting insurance company and are final. Upon request and on a case-by-case basis, the underwriting insurance company may pay a commission rate that is higher than the standard commission rate. The decision to pay a higher rate will be at the underwriting insurance company’s sole discretion and will be subject to state approvals and regulatory requirements. Brokers must be properly licensed to sell insurance and be appointed with Sun Life and Health Insurance Company (U.S.) or Sun Life Assurance Company of Canada for products underwritten by those companies to receive payment under their respective programs. We encourage brokers and their clients to discuss what commissions or other compensation may be paid in connection with the purchase of our products and services. To ensure accurate and timely commission payments, the policyholder is required to submit a completed premium statement with payment on or before the premium due date each month. To speed processing, we encourage the policyholder to write the group policy number on the check. Product offerings may not be available in all states and may vary depending on state laws and regulations.
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Up to 50% of spend in healthcare is ‘waste’: https://www.jwatch.org/na52991/2021/01/05/tallying-waste-american-healthcare
20% of serious medical conditions are misdiagnosed: https://www.washingtonpost.com/national/health-
science/20-percent-of-patients-with-serious-conditions-
are-first-misdiagnosed-study-says/2017/04/03/e386982a-
189f-11e7-9887-1a5314b56a08_story.html
Healthcare literacy is low: Source: https://www.accenture.com/_acnmedia/pdf-104/
accenture-health-hidden-cost-of-healthcare-system-
complexity.pdf
Health disparities across socio-demographic groups:
https://www.kff.org/racial-equity-and-health-
policy/issue-brief/racial-disparities-in-cancer-outcomes-
screening-and-treatment/
Resource constraints: https://www.merritthawkins.com/uploadedFiles/
MerrittHawkins/Content/News_and_Insights/Articles/
mha-2022-wait-time-survey.pdf (page 26)
Few people seek preventive care: https://health.gov/healthypeople/objectives-and-data/browse-objectives/health-care-access-and-quality/increase-proportion-adults-who-get-recommended-evidence-based-preventive-health-care-ahs-08
Health insurance cost: KFF Employer Health Benefits Survey, 2018-2023, Kaiser, HRET Survey of Employer-Sponsored Health Benefits 1999-2017. https://www.kff.org/slideshow/2023-employer-health-benefits-chart-pack/
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Data source: 2023 Internal PinnacleCare data.
Average cost savings of $13K for treatment outcomes based on 20 years of data.
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Families in High-Deductible Health Plans who need urgent care face paying an average deductible of $4,883 out of their own pockets every year (23% have deductibles of $6,000 or more)
Supplemental Health
Accident, Critical Illness, Cancer, Hospital Indemnity
There's a connection between oral health and overall health. Nearly one-third of all U.S. adults have untreated tooth decay.
59% of U.S. adults experience digital eye strain
Wellness/Preventative Care Dental, Vision
Illness, injury or pregnancy: 1 in 4 workers will miss up to 3 months or more of work during their career
Income Protection
Absence, Short-Term Disability, Long-Term Disability
Approximately 50 million U.S. households recognize they need more life insurance
Beneficiary Protection
Life Insurance
Families in High-Deductible Health Plans who need urgent care face paying an average deductible of $4,883 out of their own pockets every year (23% have deductibles of $6,000 or more)
Supplemental Health
Accident, Critical Illness, Cancer, Hospital Indemnity
There's a connection between oral health and overall health. Nearly one-third of all U.S. adults have untreated tooth decay.
59% of U.S. adults experience digital eye strain
Wellness/Preventative Care Dental, Vision
Illness, injury or pregnancy: 1 in 4 workers will miss up to 3 months or more of work during their career
Income Protection
Absence, Short-Term Disability, Long-Term Disability
Approximately 50 million U.S. households recognize they need more life insurance
Beneficiary Protection
Life Insurance
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Families in High-Deductible Health Plans who need urgent care face paying an average deductible of $4,883 out of their own pockets every year (23% have deductibles of $6,000 or more)
Supplemental Health
Accident, Critical Illness, Cancer, Hospital Indemnity
There's a connection between oral health and overall health. Nearly one-third of all U.S. adults have untreated tooth decay.
59% of U.S. adults experience digital eye strain
Wellness/Preventative Care Dental, Vision
Illness, injury or pregnancy: 1 in 4 workers will miss up to 3 months or more of work during their career
Income Protection
Absence, Short-Term Disability, Long-Term Disability
Approximately 50 million U.S. households recognize they need more life insurance
Beneficiary Protection
Life Insurance
Families in High-Deductible Health Plans who need urgent care face paying an average deductible of $4,883 out of their own pockets every year (23% have deductibles of $6,000 or more)
Supplemental Health
Accident, Critical Illness, Cancer, Hospital Indemnity
There's a connection between oral health and overall health. Nearly one-third of all U.S. adults have untreated tooth decay.
59% of U.S. adults experience digital eye strain
Wellness/Preventative Care Dental, Vision
Illness, injury or pregnancy: 1 in 4 workers will miss up to 3 months or more of work during their career
Income Protection
Absence, Short-Term Disability, Long-Term Disability
Approximately 50 million U.S. households recognize they need more life insurance
Beneficiary Protection
Life Insurance
Families in High-Deductible Health Plans who need urgent care face paying an average deductible of $4,883 out of their own pockets every year (23% have deductibles of $6,000 or more)
Supplemental Health
Accident, Critical Illness, Cancer, Hospital Indemnity
There's a connection between oral health and overall health. Nearly one-third of all U.S. adults have untreated tooth decay.
59% of U.S. adults experience digital eye strain
Wellness/Preventative Care Dental, Vision
Illness, injury or pregnancy: 1 in 4 workers will miss up to 3 months or more of work during their career
Income Protection
Absence, Short-Term Disability, Long-Term Disability
Approximately 50 million U.S. households recognize they need more life insurance
Beneficiary Protection
Life Insurance
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This is a sample journey. The experience will vary for every member.
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Families in High-Deductible Health Plans who need urgent care face paying an average deductible of $4,883 out of their own pockets every year (23% have deductibles of $6,000 or more)
Supplemental Health
Accident, Critical Illness, Cancer, Hospital Indemnity
There's a connection between oral health and overall health. Nearly one-third of all U.S. adults have untreated tooth decay.
59% of U.S. adults experience digital eye strain
Wellness/Preventative Care Dental, Vision
Illness, injury or pregnancy: 1 in 4 workers will miss up to 3 months or more of work during their career
Income Protection
Absence, Short-Term Disability, Long-Term Disability
Approximately 50 million U.S. households recognize they need more life insurance
Beneficiary Protection
Life Insurance
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These numbers reflect member feedback throughout 2023. It is collected through member surveys completed after an engagement with Health Navigator.
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Data source: 2023 Internal PinnacleCare data.
Average cost savings of $13K for treatment outcomes based on 20 years of data.
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“The worst part is when you don't know what to do. When you don't know how to help your child. And so,
I called Health Navigator.”
– Joyce, Health Navigator Member
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1. This growth rate is much faster than the average for all occupations. U.S. Bureau of Labor Statistics, Employment Projections program, August 29, 2024
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*Subject to state availability.
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*Available to groups with 100+ lives.
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Advertisement not approved in New Mexico.
Group life and disability insurance policies are underwritten by Sun Life Assurance Company of Canada (Wellesley Hills, MA) in all states, except New York, under Policy Form Series 15-GP-01, 15-ADD-C-01, 16-DI-C-01, 15-LF-C-01, 12-GPPort-P-01, 12-STDPort-C-01, 13-ADDPort-C-01, 15-LFPort-C-01. In New York, group life and disability insurance policies are underwritten by Sun Life and Health Insurance Company (U.S.) (Lansing, MI) under Policy Form Series 15-LF-GP-01, 15-GP-01, 15-LF-C-01, 16-DI-C-01, 15-ADD-C-01, 13-ADDPort-C-01, 12-STDPortC-01. The disability policies provide disability income insurance only. They do NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York State Insurance Department.
© 2023 Sun Life Assurance Company of Canada, Wellesley Hills, MA 02481. All rights reserved. The Sun Life name and logo are registered trademarks of Sun Life Assurance Company of Canada. Visit us at www.sunlife.com/us.
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- Applicable to all classes – not just physicians ex. office staff, nurses, MRI technologists
- Internal analysis of LTD policy benefit durations
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*In New York, the monthly benefits begins at the end of the Elimination period and a Retro Disability benefit that equals the Monthly benefit is paid over the same number of months that comprised the Elimination Period
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For illustrative purposes only.
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For illustrative purposes only.
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For illustrative purposes only.
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For illustrative purposes only
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For illustrative purposes only.
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For illustrative purposes only.
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Vocational Rehabilitation counselor support does not apply with ADA Accommodations.
Compliance support is available with ADA Consulting but not with ADA Services.
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Vocational Rehabilitation counselor support does not apply with ADA Accommodations.
Compliance support is available with ADA Consulting but not with ADA Services.
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Content for benefits of Leave Manager is provided by J.J.Keller & Associates.
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Content for benefits of Leave Manager is provided by J.J.Keller & Associates.
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Content for benefits of Leave Manager is provided by J.J.Keller & Associates.
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*Leave as an accommodation should be managed in FMLA Manager.
The services described do not provide legal advice. We recommend Clients speak with legal counsel specializing in labor and employment law as needed.
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The services described do not provide legal advice. We recommend Clients speak with legal counsel specializing in labor and employment law as needed.
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Absence is not insurance, and the purchase of insurance is not required.
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1. Available through a relationship Sun Life has with AbleTo. Member outreach starts once the Short-Term Disability claim is approved due to a cancer diagnosis. Members who receive Short-Term Disability benefit payments for cancer are eligible for the program. Employers must have Short-Term Disability through Sedgwick and Long-Term Disability with Sun Life. This service is also available with Sun Life Critical Illness policies. In New York, the AbleTo service is not available with standalone Critical Illness policies.
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Sedgwick offers administration for the short-term leaves discussed in this flyer. These leaves are not insurance. Sedgwick is a leading global provider of technology-enabled risk, benefits and integrated business solutions. At Sedgwick, caring counts; through the dedication and expertise of nearly 30,000 colleagues across 80 countries, the company takes care of people and organizations by mitigating and reducing risks and losses, promoting health and productivity, protecting brand reputations, and containing costs that can impact performance.
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1. https://www.sciencedirect.com/science/article/pii/S0163638323000632#bib42
2. https://nationalpartnership.org/wp-content/uploads/2023/02/paid-leave-good-for-business.pdf
3. WorldatWork - https://www.worldatwork.org/workspan/articles/paid-time-off-programs-and-policies
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*Private plan administration is not allowed or not available through Sun Life. Talk with us about your needs
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*Not managed by Sun Life
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Sun Life’s self-funded or administrative-services-only MA PFML solution is administered by Sun Life Assurance Company of Canada (Wellesley Hills, MA). This service is not insurance. Sun Life’s fully-insured MA PFML solution is issued by Sun Life Assurance Company of Canada (Wellesley Hills, MA) under Policy Form Series 20-PFML-GP-01-MA. Depending upon your summary plan description, the Short-Term Disability benefit may offset for Massachusetts PFML benefits.
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Sun Life’s self-funded or administrative-services-only CT PFML solution is administered by Sun Life Assurance Company of Canada (Wellesley Hills, MA). This service is not insurance. Sun Life’s fully-insured CT PFML solution is issued by Sun Life Assurance Company of Canada (Wellesley Hills, MA) under Policy Form Series 21-PFML-GP-01-CT. Depending upon your summary plan description, the Short-Term Disability benefit may offset for Connecticut PFML benefits.
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Sun Life’s self-funded or administrative-services-only WA PFML product is administered by Sun Life Assurance Company of Canada (Wellesley Hills, MA). This service is not insurance. Depending upon your summary plan description, the Short-Term Disability benefit may offset for Washington PFML benefits.
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Fully insured OR PFML coverage is underwritten by Sun Life Assurance Company of Canada (Wellesley Hills, MA) under Policy Form Series 22-PFML-GP-01-OR. Sun Life’s self-funded or administrative services-only OR PFML solution is administered by Sun Life Assurance Company of Canada. This service is not insurance. Depending upon your summary plan description, the Short-Term Disability benefit may offset for Oregon PFML benefits.
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When available, Sun Life's fully insured CO PFML coverage will be underwritten by Sun Life Assurance Company of Canada (Wellesley Hills, MA). When available, Sun Life’s fully insured CO PFML solution will be administered by Sun Life Assurance Company of Canada. Depending upon your summary plan description, the Short-Term Disability benefit may offset for Colorado PFML benefits.
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*Medical, family caregiving and qualifying exigency benefits are only available one time in any 24-month period. This limitation does not apply to parental leave benefits.
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Families in High-Deductible Health Plans who need urgent care face paying an average deductible of $4,883 out of their own pockets every year (23% have deductibles of $6,000 or more)
Supplemental Health
Accident, Critical Illness, Cancer, Hospital Indemnity
There's a connection between oral health and overall health. Nearly one-third of all U.S. adults have untreated tooth decay.
59% of U.S. adults experience digital eye strain
Wellness/Preventative Care Dental, Vision
Illness, injury or pregnancy: 1 in 4 workers will miss up to 3 months or more of work during their career
Income Protection
Absence, Short-Term Disability, Long-Term Disability
Approximately 50 million U.S. households recognize they need more life insurance
Beneficiary Protection
Life Insurance
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Families in High-Deductible Health Plans who need urgent care face paying an average deductible of $4,883 out of their own pockets every year (23% have deductibles of $6,000 or more)
Supplemental Health
Accident, Critical Illness, Cancer, Hospital Indemnity
There's a connection between oral health and overall health. Nearly one-third of all U.S. adults have untreated tooth decay.
59% of U.S. adults experience digital eye strain
Wellness/Preventative Care Dental, Vision
Illness, injury or pregnancy: 1 in 4 workers will miss up to 3 months or more of work during their career
Income Protection
Absence, Short-Term Disability, Long-Term Disability
Approximately 50 million U.S. households recognize they need more life insurance
Beneficiary Protection
Life Insurance
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Case study represents an actual employee and has been deidentified for privacy purposes. Visit www.sunlife.com/claimslab to learn more.
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Case study represents an actual employee and has been deidentified for privacy purposes. Visit www.sunlife.com/claimslab to learn more.
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*Your employees (our members) who are currently receiving Short-Term Disability benefit payments for cancer; or who are approved for a Critical Illness cancer benefit (with a cancer benefit payment date on or after March 1, 2022) are eligible for the program. Employers must have both Sun Life Short- and Long-Term Disability or have Sun Life Critical Illness.
In New York, the AbleTo service is not available with standalone Critical Illness policies.
Sun Life is not responsible or liable for the care, services, or advice provided by AbleTo, and reserves the right to discontinue this service at any time.
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*Your employees (our members) who are currently receiving Short-Term Disability benefit payments for cancer; or who are approved for a Critical Illness cancer benefit (with a cancer benefit payment date on or after March 1, 2022) are eligible for the program. Employers must have both Sun Life Short- and Long-Term Disability or have Sun Life Critical Illness.
In New York, the AbleTo service is not available with standalone Critical Illness policies.
Sun Life is not responsible or liable for the care, services, or advice provided by AbleTo, and reserves the right to discontinue this service at any time.
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*Your employees (our members) who are currently receiving Short-Term Disability benefit payments for cancer; or who are approved for a Critical Illness cancer benefit (with a cancer benefit payment date on or after March 1, 2022) are eligible for the program. Employers must have both Sun Life Short- and Long-Term Disability or have Sun Life Critical Illness.
In New York, the AbleTo service is not available with standalone Critical Illness policies.
Sun Life is not responsible or liable for the care, services, or advice provided by AbleTo, and reserves the right to discontinue this service at any time.
Limitations and exclusions for Critical Illness
The below exclusions and limitations may vary by state law and regulations. This list may not be comprehensive. Please see the Certificate for details.
We will not pay a benefit that is due to or results from services, treatment or complications not included in the Benefit Highlights section of the Certificate; provided by an immediate family member; or unrelated to a Critical Illness. These include an autologous bone marrow transplant, suicide, attempted suicide or intentionally self-inflicted injuries, elective plastic or cosmetic surgery, active military duty, war, any act of war, or active duty in any armed service during a time of war (excluding during acts of terrorism); active participation in a riot, rebellion or insurrection; committing or attempting to commit an assault, felony or other criminal act; engaging in dangerous conduct or hazardous activity where there is a likelihood of death or serious injury; being incarcerated in a penal institution of any kind; being legally intoxicated or under the influence of any narcotic, unless taken on the advice of a physician and taken as prescribed.
Covered conditions have specific diagnostic criteria that must be met (along with supporting documentation) for a benefit to be paid. For additional information regarding covered conditions, please request an outline of coverage.
The Critical Illness product is inappropriate for individuals who are eligible for Medicaid coverage
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*Your employees (our members) who are currently receiving Short-Term Disability benefit payments for cancer; or who are approved for a Critical Illness cancer benefit (with a cancer benefit payment date on or after March 1, 2022) are eligible for the program. Employers must have both Sun Life Short- and Long-Term Disability or have Sun Life Critical Illness.
In New York, the AbleTo service is not available with standalone Critical Illness policies.
Sun Life is not responsible or liable for the care, services, or advice provided by AbleTo, and reserves the right to discontinue this service at any time.
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*Your employees (our members) who are currently receiving Short-Term Disability benefit payments for cancer; or who are approved for a Critical Illness cancer benefit (with a cancer benefit payment date on or after March 1, 2022) are eligible for the program. Employers must have both Sun Life Short- and Long-Term Disability or have Sun Life Critical Illness.
Limitations and exclusions for Critical Illness
The below exclusions and limitations may vary by state law and regulations. This list may not be comprehensive. Please see the Certificate for details.
We will not pay a benefit that is due to or results from services, treatment or complications not included in the Benefit Highlights section of the Certificate; provided by an immediate family member; or unrelated to a Critical Illness. These include an autologous bone marrow transplant, suicide, attempted suicide or intentionally self-inflicted injuries, elective plastic or cosmetic surgery, active military duty, war, any act of war, or active duty in any armed service during a time of war (excluding during acts of terrorism); active participation in a riot, rebellion or insurrection; committing or attempting to commit an assault, felony or other criminal act; engaging in dangerous conduct or hazardous activity where there is a likelihood of death or serious injury; being incarcerated in a penal institution of any kind; being legally intoxicated or under the influence of any narcotic, unless taken on the advice of a physician and taken as prescribed.
Covered conditions have specific diagnostic criteria that must be met (along with supporting documentation) for a benefit to be paid. For additional information regarding covered conditions, please request an outline of coverage.
The Critical Illness product is inappropriate for individuals who are eligible for Medicaid coverage.
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*Your employees (our members) who are currently receiving Short-Term Disability benefit payments for cancer; or who are approved for a Critical Illness cancer benefit (with a cancer benefit payment date on or after March 1, 2022) are eligible for the program. Employers must have both Sun Life Short- and Long-Term Disability or have Sun Life Critical Illness.
In New York, the AbleTo service is not available with standalone Critical Illness policies.
Sun Life is not responsible or liable for the care, services, or advice provided by AbleTo, and reserves the right to discontinue this service at any time.
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*Your employees (our members) who are currently receiving Short-Term Disability benefit payments for cancer; or who are approved for a Critical Illness cancer benefit (with a cancer benefit payment date on or after March 1, 2022) are eligible for the program. Employers must have both Sun Life Short- and Long-Term Disability or have Sun Life Critical Illness.
Limitations and exclusions for Critical Illness
The below exclusions and limitations may vary by state law and regulations. This list may not be comprehensive. Please see the Certificate for details.
We will not pay a benefit that is due to or results from services, treatment or complications not included in the Benefit Highlights section of the Certificate; provided by an immediate family member; or unrelated to a Critical Illness. These include an autologous bone marrow transplant, suicide, attempted suicide or intentionally self-inflicted injuries, elective plastic or cosmetic surgery, active military duty, war, any act of war, or active duty in any armed service during a time of war (excluding during acts of terrorism); active participation in a riot, rebellion or insurrection; committing or attempting to commit an assault, felony or other criminal act; engaging in dangerous conduct or hazardous activity where there is a likelihood of death or serious injury; being incarcerated in a penal institution of any kind; being legally intoxicated or under the influence of any narcotic, unless taken on the advice of a physician and taken as prescribed.
Covered conditions have specific diagnostic criteria that must be met (along with supporting documentation) for a benefit to be paid. For additional information regarding covered conditions, please request an outline of coverage.
The Critical Illness product is inappropriate for individuals who are eligible for Medicaid coverage
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*AbleTo's book of business. Participants who completed the AbleTo participant program completion survey, October 2024.
Early results of eligible Sun Life members who participated in AbleTo Virtual Behavioral Health program from July 2022 to September 2024, due to receiving STD benefits because of a cancer diagnosis or Critical Illness cancer benefit. Early results are of small sample sizes; however, developing trends are positive. AbleTo Program-To-Date Report - Sun Life Therapy 360, September 2024.
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Measured using Depression Anxiety Stress Scales 21 (DASS-21), results indicate average change in scores from initial consultation to graduation. Early results of eligible Sun Life members who participated in AbleTo Virtual Behavioral Health program from July 2022 to September 2024, due to receiving STD benefits because of a cancer diagnosis or Critical Illness cancer benefit. Early results are of small sample sizes; however, developing trends are positive. AbleTo Program-To-Date Report - Sun Life Therapy 360, September 2024.
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Measured using Depression Anxiety Stress Scales 21 (DASS-21). Early results of eligible Sun Life members who participated in AbleTo Virtual Behavioral Health program from July 2022 to September 2024, due to receiving STD benefits because of a cancer diagnosis or Critical Illness cancer benefit. Early results are of small sample sizes; however, developing trends are positive. AbleTo Program-To-Date Report - Sun Life Therapy 360, September 2024.
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Measured using Depression Anxiety Stress Scales 21 (DASS-21), results indicate average change in scores from initial consultation to graduation. Early results of eligible Sun Life members who participated in AbleTo Virtual Behavioral Health program from July 2022 to September 2024, due to receiving STD benefits because of a cancer diagnosis or Critical Illness cancer benefit. Early results are of small sample sizes; however, developing trends are positive. AbleTo Program-To-Date Report - Sun Life Therapy 360, September 2024.
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.Advertising not available for use in New Mexico.
Goodpath does not provide medical advice, medical diagnosis, or medical treatment. Sun Life is not responsible or liable for the care, services, or advice provided by Goodpath, and reserves the right to discontinue this service at any time.
*Sun Life members receiving Short-Term Disability benefit payments for back or neck MSK conditions (provided their employer has Sun Life Long-Term Disability) or Long-Term Disability benefit payments for long COVID symptoms are eligible for the Goodpath program.
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Advertising not available for use in New Mexico.
Goodpath does not provide medical advice, medical diagnosis, or medical treatment. Sun Life is not responsible or liable for the care, services, or advice provided by Goodpath, and reserves the right to discontinue this service at any time.
*Sun Life members receiving Short-Term Disability benefit payments for back or neck MSK conditions (provided their employer has Sun Life Long-Term Disability) or Long-Term Disability benefit payments for long COVID symptoms are eligible for the program.
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Advertising not available for use in New Mexico.
Goodpath does not provide medical advice, medical diagnosis, or medical treatment. Sun Life is not responsible or liable for the care, services, or advice provided by Goodpath, and reserves the right to discontinue this service at any time.
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Advertising not available for use in New Mexico.
Goodpath does not provide medical advice, medical diagnosis, or medical treatment. Sun Life is not responsible or liable for the care, services, or advice provided by Goodpath, and reserves the right to discontinue this service at any time.
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Advertising not available for use in New Mexico.
Goodpath does not provide medical advice, medical diagnosis, or medical treatment. Sun Life is not responsible or liable for the care, services, or advice provided by Goodpath, and reserves the right to discontinue this service at any time.
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Advertising not available for use in New Mexico.
Goodpath does not provide medical advice, medical diagnosis, or medical treatment. Sun Life is not responsible or liable for the care, services, or advice provided by Goodpath, and reserves the right to discontinue this service at any time.
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Advertising not available for use in New Mexico.
The above are examples of items that may be in a program, and not all items are used through the entirety of a program. Each program is unique to the individual and treatments may vary.
• CBT – Cognitive Behavioral Therapy
• TENS device – Transcutaneous electrical nerve stimulation – helps to reduce pain signals going to spinal cord and brain
Goodpath does not provide medical advice, medical diagnosis, or medical treatment. Sun Life is not responsible or liable for the care, services, or advice provided by Goodpath, and reserves the right to discontinue this service at any time.
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Advertising not available for use in New Mexico.
Goodpath does not provide medical advice, medical diagnosis, or medical treatment. Sun Life is not responsible or liable for the care, services, or advice provided by Goodpath, and reserves the right to discontinue this service at any time.
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Advertising not available for use in New Mexico.
Goodpath does not provide medical advice, medical diagnosis, or medical treatment. Sun Life is not responsible or liable for the care, services, or advice provided by Goodpath, and reserves the right to discontinue this service at any time.
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Advertising not available for use in New Mexico.
Sun Life members receiving Short-Term Disability benefit payments for back or neck MSK conditions (provided their employer has Sun Life Long-Term Disability) or Long-Term Disability benefit payments for long COVID symptoms are eligible for the Goodpath program.
Goodpath does not provide medical advice, medical diagnosis, or medical treatment. Sun Life is not responsible or liable for the care, services, or advice provided by Goodpath, and reserves the right to discontinue this service at any time.
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Advertising not available for use in New Mexico.
*Sun Life members receiving Short-Term Disability benefit payments for back or neck MSK conditions (provided their employer has Sun Life Long-Term Disability) or Long-Term Disability benefit payments for long COVID symptoms are eligible for the program.
Goodpath does not provide medical advice, medical diagnosis, or medical treatment. Sun Life is not responsible or liable for the care, services, or advice provided by Goodpath, and reserves the right to discontinue this service at any time.
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Early results of eligible Sun Life members who participated in the Goodpath program from April 2023 to January 8, 2024 because of STD back and neck musculoskeletal (MSK) conditions and LTD long COVID symptoms. Results are based on 275 MSK and 59 long COVID enrolled participants.
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Data represents improvement in participants who had moderate or higher severity levels.
Early results of eligible Sun Life members who participated in Goodpath program from April 2023 to January 8, 2024, because of STD back and neck musculoskeletal (MSK) conditions and LTD long COVID symptoms.
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Data represents improvement in participants who had moderate or higher anxiety and/or depression severity levels.
Early results of eligible Sun Life members who participated in Goodpath program from April 2023 to January 8, 2024, because of STD back and neck musculoskeletal (MSK) conditions and LTD long COVID symptoms.
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Data represents improvement in participants who had moderate or higher severity levels.
Early results of eligible Sun Life members who participated in Goodpath program from April 2023 to January 8, 2024, because of STD back and neck musculoskeletal (MSK) conditions and LTD long COVID symptoms.
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Data represents improvement in participants who had moderate or higher anxiety and/or depression severity levels.
Early results of eligible Sun Life members who participated in Goodpath program from April 2023 to January 8, 2024, because of STD back and neck musculoskeletal (MSK) conditions and LTD long COVID symptoms.
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Data represents improvement in participants who had moderate or higher severity levels.
Early results of eligible Sun Life members who participated in the Goodpath program from April 2023 to January 8, 2024, because of STD back and neck musculoskeletal (MSK) conditions and LTD long COVID symptoms.
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*Your employees (our members) who are currently receiving Short-Term Disability benefit payments for cancer; or who are approved for a Critical Illness cancer benefit (with a cancer benefit payment date on or after March 1, 2022) are eligible for the program. Employers must have both Sun Life Short- and Long-Term Disability or have Sun Life Critical Illness.
In New York, the AbleTo service is not available with standalone Critical Illness policies.
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*Your employees (our members) who are currently receiving Short-Term Disability benefit payments for cancer; or who are approved for a Critical Illness cancer benefit (with a cancer benefit payment date on or after March 1, 2022) are eligible for the program. Employers must have both Sun Life Short- and Long-Term Disability or have Sun Life Critical Illness.
Limitations and exclusions for Critical Illness
The below exclusions and limitations may vary by state law and regulations. This list may not be comprehensive. Please see the Certificate for details.
We will not pay a benefit that is due to or results from services, treatment or complications not included in the Benefit Highlights section of the Certificate; provided by an immediate family member; or unrelated to a Critical Illness. These include an autologous bone marrow transplant, suicide, attempted suicide or intentionally self-inflicted injuries, elective plastic or cosmetic surgery, active military duty, war, any act of war, or active duty in any armed service during a time of war (excluding during acts of terrorism); active participation in a riot, rebellion or insurrection; committing or attempting to commit an assault, felony or other criminal act; engaging in dangerous conduct or hazardous activity where there is a likelihood of death or serious injury; being incarcerated in a penal institution of any kind; being legally intoxicated or under the influence of any narcotic, unless taken on the advice of a physician and taken as prescribed.
Covered conditions have specific diagnostic criteria that must be met (along with supporting documentation) for a benefit to be paid. For additional information regarding covered conditions, please request an outline of coverage.
The Critical Illness product is inappropriate for individuals who are eligible for Medicaid coverage.
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*Your employees (our members) who are currently receiving Short-Term Disability benefit payments for cancer; or who are approved for a Critical Illness cancer benefit (with a cancer benefit payment date on or after March 1, 2022) are eligible for the program. Employers must have both Sun Life Short- and Long-Term Disability or have Sun Life Critical Illness.
In New York, the AbleTo service is not available with standalone Critical Illness policies.
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Advertising not available for use in New Mexico.
1. Your employees (our members) who are currently receiving Short-Term Disability benefit payments for cancer; or who are approved for a Critical Illness cancer benefit (with a cancer benefit payment date on or after March 1, 2022) are eligible for the program. Employers must have both Sun Life Short- and Long-Term Disability or have Sun Life Critical Illness. In New York, the AbleTo service is not available with standalone Critical Illness policies.
2. Goodpath does not provide medical advice, medical diagnosis, or medical treatment.
*Sun Life members receiving Short-Term Disability benefit payments for back or neck MSK conditions (provided their employer has Sun Life Long-Term Disability) or Long-Term Disability benefit payments for long COVID symptoms are eligible for the Goodpath program.
3. Self Care+ is available for dependents age 13 years and older. Not available in New York and Vermont. Service provided is not insurance.
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Advertising not available for use in New Mexico.
1. Your employees (our members) who are currently receiving Short-Term Disability benefit payments for cancer; or who are approved for a Critical Illness cancer benefit (with a cancer benefit payment date on or after March 1, 2022) are eligible for the program. Employers must have both Sun Life Short- and Long-Term Disability or have Sun Life Critical Illness. In New York, the AbleTo service is not available with standalone Critical Illness policies.
2. Goodpath does not provide medical advice, medical diagnosis, or medical treatment.
*Sun Life members receiving Short-Term Disability benefit payments for back or neck MSK conditions (provided their employer has Sun Life Long-Term Disability) or Long-Term Disability benefit payments for long COVID symptoms are eligible for the Goodpath program.
3. Self Care+ is available for dependents age 13 years and older. Not available in New York and Vermont. Service provided is not insurance.
Limitations and exclusions for Critical Illness
The below exclusions and limitations may vary by state law and regulations. This list may not be comprehensive. Please see the Certificate for details.
We will not pay a benefit that is due to or results from services, treatment or complications not included in the Benefit Highlights section of the Certificate; provided by an immediate family member; or unrelated to a Critical Illness. These include an autologous bone marrow transplant, suicide, attempted suicide or intentionally self-inflicted injuries, elective plastic or cosmetic surgery, active military duty, war, any act of war, or active duty in any armed service during a time of war (excluding during acts of terrorism); active participation in a riot, rebellion or insurrection; committing or attempting to commit an assault, felony or other criminal act; engaging in dangerous conduct or hazardous activity where there is a likelihood of death or serious injury; being incarcerated in a penal institution of any kind; being legally intoxicated or under the influence of any narcotic, unless taken on the advice of a physician and taken as prescribed.
Covered conditions have specific diagnostic criteria that must be met (along with supporting documentation) for a benefit to be paid. For additional information regarding covered conditions, please request an outline of coverage.
The Critical Illness product is inappropriate for individuals who are eligible for Medicaid coverage.
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1. Sun Life claims data from January 1, 2023, to December 31, 2023. Data excludes pregnancy.
2. https://mhanational.org/sites/default/files/2023-State-of-Mental-Health-in-America-Report.pdf
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- For employers who have in force Sun Life disability policies (may be subject to minimum lives requirement).
- Goodpath data shows that 73% of members in physical conditions have anxiety, stress, or depression.
Services are offered by Goodpath, and Employers who elect the services will contract directly with Goodpath.
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- Preferred Pricing means that participating members under in force Sun Life disability policies will receive unlimited therapy sessions at no charge.
- Unlimited therapy applies to the Sun Life/Goodpath employer-paid offering only.
For employers who have in force Sun Life disability policies (may be subject to minimum lives requirement). Services are offered by Goodpath, and Employers who elect the services will contract directly with Goodpath.
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Services are offered by Goodpath, and Employers who elect the services will contract directly with Goodpath.
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- For employers who have in force Sun Life disability policies (may be subject to minimum lives requirement).
- Services after the first 12 months will be determined by the terms of the employer’s contract with Goodpath.
- Unlimited therapy applies to the Sun Life/Goodpath employer-paid offering only.
Services are offered by Goodpath, and Employers who elect the services will contract directly with Goodpath.
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Sun Life Employer Voices Survey, Feb-Mar 2022, n=36
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*Your employees (our members) who are currently receiving Short-Term Disability benefit payments for cancer; or who are approved for a Critical Illness cancer benefit (with a cancer benefit payment date on or after March 1, 2022) are eligible for the program. Employers must have both Sun Life Short- and Long-Term Disability or have Sun Life Critical Illness.
In New York, the AbleTo service is not available with standalone Critical Illness policies.
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*Your employees (our members) who are currently receiving Short-Term Disability benefit payments for cancer; or who are approved for a Critical Illness cancer benefit (with a cancer benefit payment date on or after March 1, 2022) are eligible for the program. Employers must have both Sun Life Short- and Long-Term Disability or have Sun Life Critical Illness.
Limitations and exclusions for Critical Illness
The below exclusions and limitations may vary by state law and regulations. This list may not be comprehensive. Please see the Certificate for details.
We will not pay a benefit that is due to or results from services, treatment or complications not included in the Benefit Highlights section of the Certificate; provided by an immediate family member; or unrelated to a Critical Illness. These include an autologous bone marrow transplant, suicide, attempted suicide or intentionally self-inflicted injuries, elective plastic or cosmetic surgery, active military duty, war, any act of war, or active duty in any armed service during a time of war (excluding during acts of terrorism); active participation in a riot, rebellion or insurrection; committing or attempting to commit an assault, felony or other criminal act; engaging in dangerous conduct or hazardous activity where there is a likelihood of death or serious injury; being incarcerated in a penal institution of any kind; being legally intoxicated or under the influence of any narcotic, unless taken on the advice of a physician and taken as prescribed.
Covered conditions have specific diagnostic criteria that must be met (along with supporting documentation) for a benefit to be paid. For additional information regarding covered conditions, please request an outline of coverage.
The Critical Illness product is inappropriate for individuals who are eligible for Medicaid coverage.
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Source: Sun Life claims data. Claimant information has been de-identified.
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Source: Sun Life claims data. Claimant information has been de-identified.
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*Turnaround time is business days
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*For self-funded benefits administered by Sun Life, payment may be made by either Sun Life or the Employer.
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Illustration reflects the first claims payment after Elimination Period only. Not available in all states and may vary depending on state laws and regulations. This is a standard LTD benefit with no additional cost or application.
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Illustration reflects the first claims payment after Elimination Period only. Not available in all states and may vary depending on state laws and regulations. This is a standard LTD benefit with no additional cost or application.
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1.Value- added services are not available with group policies issued in New York. Self Care provided by AbleTo is not available with group policies issued in New York or Vermont.
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1.This option requires an Administrative Services Agreement and may require a fee for service. Available for groups over 1,000 lives.
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1.AbleTo Self Care is not available in NY or VT. Emergency Travel Assistance, Identity Theft Protection, SecurAssist, Claimant Support Services, Online Will Preparation are not available in NY.
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1.AbleTo Self Care is not available in NY or VT. Emergency Travel Assistance, Identity Theft Protection, SecurAssist, Claimant Support Services, Online Will Preparation are not available in NY.
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1. Retained Asset Accounts are not available in all states.
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SecurAssist Global Services, Emergency Travel Assistance with Identity Theft Protection and Claimant Support with Online Will Preparation are not available in New York. AbleTo Self Care is not available in New York or Vermont.
Value-added services are not insurance, are offered only on specific lines of coverage, and carries a separate charge, which is added to the cost of the insurance. The cost is included in the total amount billed. Self Care is provided by AbleTo. Emergency Travel Assistance is provided by Assist America®. Identity Theft Protection is provided by SecurAssist®, an Assist America program. Online Will Preparation and Claimant Support Services are provided by ComPsych®. ComPsych® is a registered trademark of ComPsych Corporation. The entities that provide the value-added services are not subcontractors of Sun Life and Sun Life is not responsible or liable for the care, services, or advice provided by them. Sun Life reserves the right to discontinue these Services at any time. Employers who provide group insurance coverage and make available this Service within an I.R.C. Section 125 cafeteria plan should consult a tax professional to determine whether those services are Qualified Benefits for Section 125 plans.
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1. Self Care+ is available for dependents age 13 years and older.
.
Self Care+ is not available in New York and Vermont.
Value-added services are not insurance, are offered only on specific lines of coverage, and carry a separate charge, which is added to the cost of the insurance. The cost is included in the total amount billed. Self Care+ is provided by AbleTo. The entities that provide the value-added services are not subcontractors of Sun Life and Sun Life is not responsible or liable for the care, services, or advice provided by them. Sun Life reserves the right to discontinue any of the Services at any time. Employers who provide group insurance coverage and make available value added services within an I.R.C. Section 125 cafeteria plan should consult a tax professional to determine whether those services are Qualified Benefits for Section 125 plans.
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*Standardized, optional assessments are surfaced to participants on the Self Care App and displayed alternate (every 7 days) between the combined GAD-7 & PHQ-9 Assessment and the WHO-5 Wellbeing Index & Needs Assessment. Members will be able to view their results and be used to inform personalized content recommendations. The optional weekly check-in feature is only available to individuals 18 years and older.
Self Care+ is not available in New York and Vermont.
Value-added services are not insurance, are offered only on specific lines of coverage, and carry a separate charge, which is added to the cost of the insurance. The cost is included in the total amount billed. Self Care+ is provided by AbleTo. The entities that provide the value-added services are not subcontractors of Sun Life and Sun Life is not responsible or liable for the care, services, or advice provided by them. Sun Life reserves the right to discontinue any of the Services at any time. Employers who provide group insurance coverage and make available value added services within an I.R.C. Section 125 cafeteria plan should consult a tax professional to determine whether those services are Qualified Benefits for Section 125 plans.
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Self Care+ is not available in New York and Vermont.
Value-added services are not insurance, are offered only on specific lines of coverage, and carry a separate charge, which is added to the cost of the insurance. The cost is included in the total amount billed. Self Care+ is provided by AbleTo. The entities that provide the value-added services are not subcontractors of Sun Life and Sun Life is not responsible or liable for the care, services, or advice provided by them. Sun Life reserves the right to discontinue any of the Services at any time. Employers who provide group insurance coverage and make available value added services within an I.R.C. Section 125 cafeteria plan should consult a tax professional to determine whether those services are Qualified Benefits for Section 125 plans.
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Not available in New York. Services provided are not insurance.
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Value-added services are not insurance, are offered only on specific lines of coverage, and carries a separate charge, which is added to the cost of the insurance. The cost is included in the total amount billed. Emergency Travel Assistance is provided by Assist America®. The entities that provide the value-added services are not subcontractors of Sun Life and Sun Life is not responsible or liable for the care, services, or advice provided by them. Sun Life reserves the right to discontinue these Services at any time. Employers who provide group insurance coverage and make available this Service within an I.R.C. Section 125 cafeteria plan should consult a tax professional to determine whether those services are Qualified Benefits for Section 125 plans.
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Not available in New York. Services provided are not insurance.
Value-added services are not insurance, are offered only on specific lines of coverage, and carries a separate charge, which is added to the cost of the insurance. The cost is included in the total amount billed. Identity Theft Protection is provided by SecurAssist®, an Assist America program. The entities that provide the value-added services are not subcontractors of Sun Life and Sun Life is not responsible or liable for the care, services, or advice provided by them. Sun Life reserves the right to discontinue these Services at any time. Employers who provide group insurance coverage and make available this Service within an I.R.C. Section 125 cafeteria plan should consult a tax professional to determine whether those services are Qualified Benefits for Section 125 plans.
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Not available in New York. Services provided are not insurance.
Value-added services are not insurance, are offered only on specific lines of coverage, and carries a separate charge, which is added to the cost of the insurance. The cost is included in the total amount billed. Claimant Support Services are provided by ComPsych®. ComPsych® is a registered trademark of ComPsych Corporation. The entities that provide the value-added services are not subcontractors of Sun Life and Sun Life is not responsible or liable for the care, services, or advice provided by them. Sun Life reserves the right to discontinue these Services at any time. Employers who provide group insurance coverage and make available this Service within an I.R.C. Section 125 cafeteria plan should consult a tax professional to determine whether those services are Qualified Benefits for Section 125 plans.
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Not available in New York.
Value-added services are not insurance, are offered only on specific lines of coverage, and carries a separate charge, which is added to the cost of the insurance. The cost is included in the total amount billed. Online Will Preparation is provided by ComPsych®. ComPsych® is a registered trademark of ComPsych Corporation. The entities that provide the value-added services are not subcontractors of Sun Life and Sun Life is not responsible or liable for the care, services, or advice provided by them. Sun Life reserves the right to discontinue these Services at any time. Employers who provide group insurance coverage and make available this Service within an I.R.C. Section 125 cafeteria plan should consult a tax professional to determine whether those services are Qualified Benefits for Section 125 plans.
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LegalConnect and FinancialConnect services are not available in New York.
Employee Assistance Program (EAP) is not insurance, is offered only on specific lines of coverage, and carries a separate charge, which is added to the cost of the insurance. The cost is included in the total amount billed. EAP work/life services are provided by ComPsych®. ComPsych® is a registered trademark of ComPsych Corporation. The entities that provide the EAP are not subcontractors of Sun Life and Sun Life is not responsible or liable for the care, services, or advice provided by them. Sun Life reserves the right to discontinue these Services at any time. Employers who provide group insurance coverage and make available this Service within an I.R.C. Section 125 cafeteria plan should consult a tax professional to determine whether those services are Qualified Benefits for Section 125 plans. In California, employees are eligible for 3 sessions in a 6-month period.
In New York, EAP services are provided with Short-Term and Long-Term Disability insurance. The Program and the services provided under it will end upon the earliest of the following: (a) the date the Policy terminates; (b) the date the Policyholder terminates the Rider; and (c) the date the service provider ceases to provide services under the Program and we are not able to find a suitable replacement for the provider. We reserve the right to change the provider of the services under the Program.
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- Sun Life's dental networks include its affiliate, Dental Health Alliance®, L.L.C. (DHA®), and dentists under access arrangements with other dental networks. Nationwide counts are state level totals.
- Milliman 2022 Dental Actuarial Analytics PPO Network Study, June 2023. Savings may differ based on the specific dental plan or based on differences with in-network fees.
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1. Zelis Network Analytics data as of August 2024 and based on unique dentist count. Each dentist is only counted once.
2. Sun Life's dental networks include its affiliate, Dental Health Alliance®, L.L.C. (DHA®), and dentists under access arrangements with other dental networks. Nationwide counts are state level totals.
3. Claims service – We guarantee that 85% of claims will be processed within 15 calendar days of our receipt of all required information. In addition, our claims processing will be 99% accurate when making claims determinations in accordance with the provision of the underlying plan.
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Product offerings may not be available in all states and may vary depending on state laws and regulations.
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1. Ranking compiled by DentaQuest and Sun Life based on internal and publicly listed data.
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1.Zelis Network Analytics data as of August 2024 and based on unique dentist count. Each dentist is only counted once.
2. Sun Life's dental networks include its affiliate, Dental Health Alliance®, L.L.C. (DHA®), and dentists under access arrangements with other dental networks. Nationwide counts are state level totals.
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*Teledentistry.com services are only available to members covered under dental PPO plans issued or administered by Sun Life Assurance Company of Canada or, in New York, dental PPO plans issued or administered by Sun Life and Health Insurance Company (U.S.) who have access to the Sun Life Dental Network, Sun Life Focus Dental Network, Assurant Dental Network or Assurant Focus Dental Network. Members covered under a prepaid or indemnity plan are not eligible for services through Teledentistry.com.
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1. Ranking compiled by DentaQuest and Sun Life based on internal and publicly listed data. Membership based on DentaQuest and Sun Life internal and public listed data. January 2023
2. Estimate based on internal calculation including U.S. population data, uninsured data (CareQuest) and members covered by one of our dental plans.
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*Subject to state approval and implementation
**Claims repricing is available upon request for groups that qualify.
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1. Sun Life's dental networks include its affiliate, Dental Health Alliance®, L.L.C. (DHA®), and dentists under access arrangements with other dental networks. Nationwide counts are state level totals.
2. Prepaid/DHMO networks are state based and not available in all states.
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1. Teledentistry.com services are only available to members covered under dental PPO plans issued or administered by Sun Life Assurance Company of Canada or, in New York, dental PPO plans issued or administered by Sun Life and Health Insurance Company (U.S.) who have access to the Sun Life Dental Network, Sun Life Focus Dental Network, Assurant Dental Network or Assurant Focus Dental Network. Members covered under a prepaid or indemnity plan are not eligible for services through Teledentistry.com
2. Only available where permitted by applicable law. Teledentistry services may not be available in all states. A TeleDentistry.com consultation may count as a problem focused exam (D0140) under your dental plan. Plans contain limitations and exclusions. Coverage for exams may be subject to frequency limitations. Please review your applicable coverage.
3. Virtual appointment services are provided directly by Teledentistry.com. To receive services, members must establish an account directly with Teledentistry.com. See teledentistry.com/privacy-policy/ to review Teledentistry’s Account Terms and Privacy Policy.
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If we do not meet the terms of a guarantee, a policyholder may request in writing a service guarantee review. Sun Life will determine whether it failed to meet the guarantee and whether a payment is made. If Sun Life, in our sole discretion, determines that significant events outside of our control have occurred, such as a Pandemic, we reserve the right to change the terms of any and all service guarantees. For example, we may cease the service guarantees program entirely, or remove a section of the offering that has been impacted by these events. If the request is approved, payment will be made by check during the policy year, as long as the policy remains in force during this time. Sun Life’s maximum liability under this guarantee for any policy year is limited to the lesser of 3% of the policyholder’s annual Dental premium or $5,000. The maximum payment for a breach of any one component is one third of the maximum liability (lesser of 1% or $1,667). If a policyholder has more than one line of insurance coverage, the Overall Satisfaction component will be paid only if the service issue arises under this guarantee. National Account service guarantees may vary from the above.
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1. Zelis Network Analytics data as of August 2024 and based on unique dentist count. Each dentist is only counted once.
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1 Sun Life and DentaQuest combined internal member data as of December 31, 2022. Ranking is compiled by Sun Life U.S. based on publicly available competitive information.
2 Sun Life's dental networks include its affiliate, Dental Health Alliance®, L.L.C. (DHA®), and dentists under access arrangements with other dental networks. Nationwide counts are state level totals.
3 Certain products are provided by affiliated companies.
Families in High-Deductible Health Plans who need urgent care face paying an average deductible of $4,883 out of their own pockets every year (23% have deductibles of $6,000 or more)
Supplemental Health
Accident, Critical Illness, Cancer, Hospital Indemnity
There's a connection between oral health and overall health. Nearly one-third of all U.S. adults have untreated tooth decay.
59% of U.S. adults experience digital eye strain
Wellness/Preventative Care Dental, Vision
Illness, injury or pregnancy: 1 in 4 workers will miss up to 3 months or more of work during their career
Income Protection
Absence, Short-Term Disability, Long-Term Disability
Approximately 50 million U.S. households recognize they need more life insurance
Beneficiary Protection
Life Insurance
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1. Based on number of members as of December 31, 2021. Combined ranking compiled by Sun Life U.S. and based on data publicly disclosed by competitors. Other information is based on internal data compiled by Sun Life and DentaQuest. DentaQuest is part of the Sun Life family of companies. Certain products are provided by affiliated companies.
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The term PPO does not apply in TX. The term DHMO does not apply in TX or FL. Prepaid/DHMO is not insurance in some states. Dental ASO plans are not insurance.
Descriptions are intended as broad summaries of types of plans available. Please consult proposal and plan materials for complete description. Certain products are provided by affiliated companies.
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1. https://www.economy.com/united-states/cpi-urban-consumer-dental-services; accessed Oct 2023
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Families in High-Deductible Health Plans who need urgent care face paying an average deductible of $4,883 out of their own pockets every year (23% have deductibles of $6,000 or more)
Supplemental Health
Accident, Critical Illness, Cancer, Hospital Indemnity
There's a connection between oral health and overall health. Nearly one-third of all U.S. adults have untreated tooth decay.
59% of U.S. adults experience digital eye strain
Wellness/Preventative Care Dental, Vision
Illness, injury or pregnancy: 1 in 4 workers will miss up to 3 months or more of work during their career
Income Protection
Absence, Short-Term Disability, Long-Term Disability
Approximately 50 million U.S. households recognize they need more life insurance
Beneficiary Protection
Life Insurance
Click here for footnotes
1. The term PPO does not apply in TX. The term DHMO does not apply in TX or FL. Prepaid/DHMO is not insurance in some states. Dental ASO plans are not insurance. 2. Sun Life's dental networks include its affiliate, Dental Health Alliance®, L.L.C. (DHA®), and dentists under access arrangements with other dental networks. Nationwide counts are state level totals.
Descriptions are intended as broad summaries of types of plans available. Please consult proposal and plan materials for complete description. Certain products are provided by affiliated companies.
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Descriptions are intended as broad summaries of types of plans available. Please consult proposal and plan materials for complete description. Not all products are approved in all states for some or all of the options listed. The Lifetime of Smiles program does not provide clinical advice or replace seeing a dentist.
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1. Added maximum dollars cannot be used on orthodontia services.
Descriptions are intended as broad summaries of types of plans available. Please consult proposal and plan materials for complete description. Amounts are illustrative and assume rollover or reward amounts from Year 1 have not been used.
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1. Added maximum dollars cannot be used on orthodontia services.
Descriptions are intended as broad summaries of types of plans available. Please consult proposal and plan materials for complete description. Amounts are illustrative and assume rollover or reward amounts from Year 1 have not been used.
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1. Available with Sun Life Dental PPO plans. Provided by Teledentistry.
Solvere Health, Jet Dental and Teledentistry.com provide alternative delivery of dental network services. Sun Life does not provide dental services. Availability will vary.
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1. Dental ASO is not insurance.
2. Zelis Network Analytics data as of August 2024 and based on unique dentist count. Each dentist is only counted once.
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Sample data using Repricing file provided by Client for Exam (D0120), Cleaning (D1110), X-ray (D0274), and Filling (D2392) procedures
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1. Availability may be limited
2. Milliman 2023 Dental Actuarial Analytics PPO Network Study, June 2024.
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1. Available for Clients with 100+ employees. We will recruit the providers members see; however we cannot guarantee that a provider will join the network.
2. September 2023 Zelis Network 360 Report. Sun Life's dental networks include its affiliate, Dental Health Alliance®, L.L.C. (DHA®), and dentists under access arrangements with other dental networks. Nationwide counts are state level totals.
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Certain products are provided by affiliated companies.
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1. Sun Life and DentaQuest internal data, 2022.
2. Sun Life's dental networks include its affiliate, Dental Health Alliance®, L.L.C. (DHA®), and dentists under access arrangements with other dental networks. Nationwide counts are state level totals.
3. Sun Life and DentaQuest combined internal member data as of December 31, 2023. Includes members who also have a Sun Life group coverage.
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1. Sun Life and DentaQuest internal data, 2022. 2. Sun Life and DentaQuest combined internal member data as of December 31, 2023. Includes members who also have a Sun Life group coverage. 3. Sun Life's dental networks include its affiliate, Dental Health Alliance®, L.L.C. (DHA®), and dentists under access arrangements with other dental networks. Nationwide counts are state level totals. 4. Descriptions are intended as broad summaries of types of plans available. Please consult proposal and plan materials for complete description. The Lifetime of Smiles program does not provide clinical advice or replace seeing a dentist. 5. The term PPO does not apply in TX. 6. The term DHMO does not apply in TX or FL. 7. Prepaid/DHMO is not insurance in some states. 8. Dental ASO is not insurance.
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Not approved for use in NM.
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1. Sun Life, Oral Health Matters/Everyday Care, Medical Review by Thomas J. Greany DDS. 2 Sun Life, What to expect at your next dental visit during COVID-19, Article by Michael J. Pink DDS
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1. Sun Life and DentaQuest internal data, 2022. 2. September 2023 Zelis Network 360 Report. Sun Life's dental networks include its affiliate, Dental Health Alliance®, L.L.C. (DHA®), and dentists under access arrangements with other dental networks. Nationwide counts are state level totals.
DO NOT USE ZELIS 360 REPORT DATA IN NEW MEXICO
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Source: September 2023 Zelis Network 360 report Provided by DHA and network access agreements.
DO NOT USE ZELIS 360 REPORT DATA IN NEW MEXICO
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1 Sun Life's dental networks include its affiliate, Dental Health Alliance®, L.L.C. (DHA®), and dentists under access arrangements with other dental networks. Nationwide counts are state level totals. DO NOT USE ZELIS 360 REPORT DATA IN NEW MEXICO
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Source: GeoAccess results and disruption reports. Provided by DHA and network access agreements
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Families in High-Deductible Health Plans who need urgent care face paying an average deductible of $4,883 out of their own pockets every year (23% have deductibles of $6,000 or more)
Supplemental Health
Accident, Critical Illness, Cancer, Hospital Indemnity
There's a connection between oral health and overall health. Nearly one-third of all U.S. adults have untreated tooth decay.
59% of U.S. adults experience digital eye strain
Wellness/Preventative Care Dental, Vision
Illness, injury or pregnancy: 1 in 4 workers will miss up to 3 months or more of work during their career
Income Protection
Absence, Short-Term Disability, Long-Term Disability
Approximately 50 million U.S. households recognize they need more life insurance
Beneficiary Protection
Life Insurance
Click here for footnotes
1. The term PPO does not apply in TX. 2. The term DHMO does not apply in TX or FL. Prepaid/DHMO is not insurance in some states
3. Sun Life's dental networks include its affiliate, Dental Health Alliance®, L.L.C. (DHA®), and dentists under access arrangements with other dental networks.
Nationwide counts are state level totals.
Not approved for use in NM.
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Sample data using Repricing file provided by Client for Exam (D0120), Cleaning (D1110), X-ray (D0274), and Filling (D2392) procedures
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Based on 2022 Sun Life internal data.
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*Standard onboarding for Clients with fewer than 2,000 employees.
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Illustration only.
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1. Available with Sun Life Dental PPO plans.
Provided by Teledentistry.
Not approved for use in NM.
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1. Based on number of members as of December 31, 2021. Ranking based on data disclosed by competitors.
2. Sun Life’s dental networks include its affiliate, Dental Health Alliance®, L.L.C. (DHA®), and dentists under access arrangements with other dental networks. Nationwide counts are state level totals.
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1. https://www.cdc.gov/contactlenses/fast-facts.html accessed 9/15/21
2. https://www.cdc.gov/visionhealth/resources/features/keep-eye-on-vision-health.html accessed 9/15/21
3. The Vision Council https://www.thevisioncouncil.org/content/digital-eye-strain accessed on 09/15/21.
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Use this disclosure for PPO reporting: Sun Life’s group insurance policies are underwritten by Sun Life Assurance Company of Canada (SLOC) (Wellesley Hills, MA), except New York. In New York, group insurance policies are underwritten by Sun Life and Health Insurance Company (U.S.) (SLHIC) (Lansing, MI).
Use this disclosure for ASO reporting: Administrative Services Only services for self-funded dental plans are administered by Sun Life Assurance Company of Canada (SLOC) (Wellesley Hills, MA) and provided by SLOC or Union Security Insurance Company (USIC) (Kansas City, MO) in all states except New York. In New York, they are administered by Sun Life and Health Insurance Company (U.S.) (SLHIC) (Lansing, MI) and provided by SLHIC or Union Security Life Insurance Company of New York (Fayetteville, NY). ASO dental is not insurance.
Use this disclosure with actual client data: Confidential and Proprietary, to be used and accessed only by the Company and its insurance broker for finance and benefits administration purposes.
©2024 Sun Life Assurance Company of Canada, Wellesley Hills, MA 02481. All rights reserved. The Sun Life name and logo are registered trademarks of Sun Life Assurance Company of Canada. Visit us at www.sunlife.com/us.
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Use this disclosure for PPO reporting: Sun Life’s group insurance policies are underwritten by Sun Life Assurance Company of Canada (SLOC) (Wellesley Hills, MA), except New York. In New York, group insurance policies are underwritten by Sun Life and Health Insurance Company (U.S.) (SLHIC) (Lansing, MI).
Use this disclosure for ASO reporting: Administrative Services Only services for self-funded dental plans are administered by Sun Life Assurance Company of Canada (SLOC) (Wellesley Hills, MA) and provided by SLOC or Union Security Insurance Company (USIC) (Kansas City, MO) in all states except New York. In New York, they are administered by Sun Life and Health Insurance Company (U.S.) (SLHIC) (Lansing, MI) and provided by SLHIC or Union Security Life Insurance Company of New York (Fayetteville, NY). ASO dental is not insurance.
Use this disclosure with actual client data: Confidential and Proprietary, to be used and accessed only by the Company and its insurance broker for finance and benefits administration purposes.
©2024 Sun Life Assurance Company of Canada, Wellesley Hills, MA 02481. All rights reserved. The Sun Life name and logo are registered trademarks of Sun Life Assurance Company of Canada. Visit us at www.sunlife.com/us.
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Use this disclosure for PPO reporting: Sun Life’s group insurance policies are underwritten by Sun Life Assurance Company of Canada (SLOC) (Wellesley Hills, MA), except New York. In New York, group insurance policies are underwritten by Sun Life and Health Insurance Company (U.S.) (SLHIC) (Lansing, MI).
Use this disclosure for ASO reporting: Administrative Services Only services for self-funded dental plans are administered by Sun Life Assurance Company of Canada (SLOC) (Wellesley Hills, MA) and provided by SLOC or Union Security Insurance Company (USIC) (Kansas City, MO) in all states except New York. In New York, they are administered by Sun Life and Health Insurance Company (U.S.) (SLHIC) (Lansing, MI) and provided by SLHIC or Union Security Life Insurance Company of New York (Fayetteville, NY). ASO dental is not insurance.
Use this disclosure with actual client data: Confidential and Proprietary, to be used and accessed only by the Company and its insurance broker for finance and benefits administration purposes.
©2024 Sun Life Assurance Company of Canada, Wellesley Hills, MA 02481. All rights reserved. The Sun Life name and logo are registered trademarks of Sun Life Assurance Company of Canada. Visit us at www.sunlife.com/us.
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Use this disclosure for PPO reporting: Sun Life’s group insurance policies are underwritten by Sun Life Assurance Company of Canada (SLOC) (Wellesley Hills, MA), except New York. In New York, group insurance policies are underwritten by Sun Life and Health Insurance Company (U.S.) (SLHIC) (Lansing, MI).
Use this disclosure for ASO reporting: Administrative Services Only services for self-funded dental plans are administered by Sun Life Assurance Company of Canada (SLOC) (Wellesley Hills, MA) and provided by SLOC or Union Security Insurance Company (USIC) (Kansas City, MO) in all states except New York. In New York, they are administered by Sun Life and Health Insurance Company (U.S.) (SLHIC) (Lansing, MI) and provided by SLHIC or Union Security Life Insurance Company of New York (Fayetteville, NY). ASO dental is not insurance.
Use this disclosure with actual client data: Confidential and Proprietary, to be used and accessed only by the Company and its insurance broker for finance and benefits administration purposes.
©2024 Sun Life Assurance Company of Canada, Wellesley Hills, MA 02481. All rights reserved. The Sun Life name and logo are registered trademarks of Sun Life Assurance Company of Canada. Visit us at www.sunlife.com/us.
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Use this disclosure for PPO reporting: Sun Life’s group insurance policies are underwritten by Sun Life Assurance Company of Canada (SLOC) (Wellesley Hills, MA), except New York. In New York, group insurance policies are underwritten by Sun Life and Health Insurance Company (U.S.) (SLHIC) (Lansing, MI).
Use this disclosure for ASO reporting: Administrative Services Only services for self-funded dental plans are administered by Sun Life Assurance Company of Canada (SLOC) (Wellesley Hills, MA) and provided by SLOC or Union Security Insurance Company (USIC) (Kansas City, MO) in all states except New York. In New York, they are administered by Sun Life and Health Insurance Company (U.S.) (SLHIC) (Lansing, MI) and provided by SLHIC or Union Security Life Insurance Company of New York (Fayetteville, NY). ASO dental is not insurance.
Use this disclosure with actual client data: Confidential and Proprietary, to be used and accessed only by the Company and its insurance broker for finance and benefits administration purposes.
©2024 Sun Life Assurance Company of Canada, Wellesley Hills, MA 02481. All rights reserved. The Sun Life name and logo are registered trademarks of Sun Life Assurance Company of Canada. Visit us at www.sunlife.com/us.
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Use this disclosure for PPO reporting: Sun Life’s group insurance policies are underwritten by Sun Life Assurance Company of Canada (SLOC) (Wellesley Hills, MA), except New York. In New York, group insurance policies are underwritten by Sun Life and Health Insurance Company (U.S.) (SLHIC) (Lansing, MI).
Use this disclosure for ASO reporting: Administrative Services Only services for self-funded dental plans are administered by Sun Life Assurance Company of Canada (SLOC) (Wellesley Hills, MA) and provided by SLOC or Union Security Insurance Company (USIC) (Kansas City, MO) in all states except New York. In New York, they are administered by Sun Life and Health Insurance Company (U.S.) (SLHIC) (Lansing, MI) and provided by SLHIC or Union Security Life Insurance Company of New York (Fayetteville, NY). ASO dental is not insurance.
Use this disclosure with actual client data: Confidential and Proprietary, to be used and accessed only by the Company and its insurance broker for finance and benefits administration purposes.
©2024 Sun Life Assurance Company of Canada, Wellesley Hills, MA 02481. All rights reserved. The Sun Life name and logo are registered trademarks of Sun Life Assurance Company of Canada. Visit us at www.sunlife.com/us.
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Use this disclosure for PPO reporting: Sun Life’s group insurance policies are underwritten by Sun Life Assurance Company of Canada (SLOC) (Wellesley Hills, MA), except New York. In New York, group insurance policies are underwritten by Sun Life and Health Insurance Company (U.S.) (SLHIC) (Lansing, MI).
Use this disclosure for ASO reporting: Administrative Services Only services for self-funded dental plans are administered by Sun Life Assurance Company of Canada (SLOC) (Wellesley Hills, MA) and provided by SLOC or Union Security Insurance Company (USIC) (Kansas City, MO) in all states except New York. In New York, they are administered by Sun Life and Health Insurance Company (U.S.) (SLHIC) (Lansing, MI) and provided by SLHIC or Union Security Life Insurance Company of New York (Fayetteville, NY). ASO dental is not insurance.
Use this disclosure with actual client data: Confidential and Proprietary, to be used and accessed only by the Company and its insurance broker for finance and benefits administration purposes.
©2024 Sun Life Assurance Company of Canada, Wellesley Hills, MA 02481. All rights reserved. The Sun Life name and logo are registered trademarks of Sun Life Assurance Company of Canada. Visit us at www.sunlife.com/us.
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Use this disclosure for PPO reporting: Sun Life’s group insurance policies are underwritten by Sun Life Assurance Company of Canada (SLOC) (Wellesley Hills, MA), except New York. In New York, group insurance policies are underwritten by Sun Life and Health Insurance Company (U.S.) (SLHIC) (Lansing, MI).
Use this disclosure for ASO reporting: Administrative Services Only services for self-funded dental plans are administered by Sun Life Assurance Company of Canada (SLOC) (Wellesley Hills, MA) and provided by SLOC or Union Security Insurance Company (USIC) (Kansas City, MO) in all states except New York. In New York, they are administered by Sun Life and Health Insurance Company (U.S.) (SLHIC) (Lansing, MI) and provided by SLHIC or Union Security Life Insurance Company of New York (Fayetteville, NY). ASO dental is not insurance.
Use this disclosure with actual client data: Confidential and Proprietary, to be used and accessed only by the Company and its insurance broker for finance and benefits administration purposes.
©2024 Sun Life Assurance Company of Canada, Wellesley Hills, MA 02481. All rights reserved. The Sun Life name and logo are registered trademarks of Sun Life Assurance Company of Canada. Visit us at www.sunlife.com/us.
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Use this disclosure for PPO reporting: Sun Life’s group insurance policies are underwritten by Sun Life Assurance Company of Canada (SLOC) (Wellesley Hills, MA), except New York. In New York, group insurance policies are underwritten by Sun Life and Health Insurance Company (U.S.) (SLHIC) (Lansing, MI).
Use this disclosure for ASO reporting: Administrative Services Only services for self-funded dental plans are administered by Sun Life Assurance Company of Canada (SLOC) (Wellesley Hills, MA) and provided by SLOC or Union Security Insurance Company (USIC) (Kansas City, MO) in all states except New York. In New York, they are administered by Sun Life and Health Insurance Company (U.S.) (SLHIC) (Lansing, MI) and provided by SLHIC or Union Security Life Insurance Company of New York (Fayetteville, NY). ASO dental is not insurance.
Use this disclosure with actual client data: Confidential and Proprietary, to be used and accessed only by the Company and its insurance broker for finance and benefits administration purposes.
©2024 Sun Life Assurance Company of Canada, Wellesley Hills, MA 02481. All rights reserved. The Sun Life name and logo are registered trademarks of Sun Life Assurance Company of Canada. Visit us at www.sunlife.com/us.
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"Americans' Challenges with Health Care Costs", KFF . Mar 2024
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1 Wellness Benefits are subject to state approval and may not be available in all states.
2 Subject to state approval
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1. 2023 Kaiser Family Foundation r Health Benefits Survey published Oct 2023
2. “Most American adults don’t have enough savings to pay an emergency $1,000 expense” article, Fortune.com published February 2024.
3. “The U.S. Spends More On Healthcare Than Other Wealthy Nations But Ranks Last In Outcomes” article, Forbes.com published Oct. 2023
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1 Emergency Department Visits, National Center for Health statistics, https://www.cdc.gov/nchs/fastats/emergency-department.htm
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Illustration is for hypothetical use only. Covered benefits shown represent hypothetical payments from the Accident insurance plan only. They do not represent payments from a health insurance plan.
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1. Survivor Views: Majority fo Cancer Patients & Survivors Have or Expenct to Have Medical Debt. American Cancer Society. May 2024
2. CA: A Cancer Journal for Clinicians. American Cancer Society. Jan 2024
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1 Financial Hardship, The American Cancer Society. Sept 30, 2023
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Subject to state availability. Not available in all states.
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1 Sun Life High-cost claims and injectable drug trends analysis, 2023 edition.
Subject to state availability
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1 Health Tracking Poll: Voters on Two Key Health Care Issues: Affordability and ACA. Kaiser Family Foundation. Feb 2024.
2 “States confront medical debt that's bankrupting millions." AP News. April 2023.
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Illustration is for hypothetical use only. Covered benefits shown represent hypothetical payments from the Critical Illness insurance plan only. They do not represent payments from a health insurance plan.
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1. Average length of stay (LOS) in U.S. hospitals as of 2023, by state. Statista.
2. Hospital Adjusted Expenses per Inpatient Day, timeframe 2022. Kaiser Family Foundation.
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Illustration is for hypothetical use only. Covered benefits shown represent hypothetical payments from the Hospital Indemnity insurance plan only. They do not represent payments from a health insurance plan.
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Illustration is for hypothetical use only. Covered benefits shown represent hypothetical payments from the Hospital Indemnity insurance plan only. They do not represent payments from a health insurance plan.
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Subject to state availability. Not available in all states.
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Value-added services are offered only on specific lines of coverage, and carry a separate charge, which is added to the cost of the insurance. The cost is included in the total amount billed. HealthChampionSM (a health care support service) is not insurance and is provided by ComPsych®. ComPsych® is a registered trademark of ComPsych Corporation. The entities that provide the value-added services are not subcontractors of Sun Life and Sun Life is not responsible or liable for the care, services, or advice provided by them. Sun Life reserves the right to discontinue any of the Services at any time. Value added services may not be available in all states. Not available in New York.
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Subject to state availability. Not available in all states.
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Sun Life claims 2023 data. Wellness benefit subject to state availability.
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Subject to state availability.
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For use only with brokers
1. Broker commissions may require a holdback to offset the cost of the Maxwell Health platform, 1-to-1 or telephonic benefit counselor support and/or one-time and ongoing fees/subsidies. For events managed by the broker or enrollment firm where those services are not utilized, a holdback will not be required, and full commissions are payable in most states.
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For use only with brokers
This supplemental health broker compensation program is available to new business in all states with effective dates September 1, 2021, underwritten by Sun Life and Health Insurance Company (U.S.) and Sun Life Assurance Company of Canada (collectively “Sun Life.”) The program and commission scales are subject to change without advance notice. All decisions regarding payment of commissions are made by the underwriting insurance company and are final. Upon request and on a case-by-case basis, the underwriting insurance company may pay a commission rate that is higher than the standard commission rate. The decision to pay a higher rate will be at the underwriting insurance company’s sole discretion and will be subject to state approvals and regulatory requirements. Brokers must be properly licensed to sell insurance and be appointed with Sun Life and Health Insurance Company (U.S.) or Sun Life Assurance Company of Canada for products underwritten by those companies to receive payment under their respective programs. We encourage brokers and their clients to discuss what commissions or other compensation may be paid in connection with the purchase of our products and services. To ensure accurate and timely commission payments, the policyholder is required to submit a completed premium statement with payment on or before the premium due date each month. To speed processing, we encourage the policyholder to write the group policy number on the check. Product offerings may not be available in all states and may vary depending on state laws and regulations.
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For use only with brokers
This supplemental health broker compensation program is available to new business in all states with effective dates September 1, 2021, underwritten by Sun Life and Health Insurance Company (U.S.) and Sun Life Assurance Company of Canada (collectively “Sun Life.”) The program and commission scales are subject to change without advance notice. All decisions regarding payment of commissions are made by the underwriting insurance company and are final. Upon request and on a case-by-case basis, the underwriting insurance company may pay a commission rate that is higher than the standard commission rate. The decision to pay a higher rate will be at the underwriting insurance company’s sole discretion and will be subject to state approvals and regulatory requirements. Brokers must be properly licensed to sell insurance and be appointed with Sun Life and Health Insurance Company (U.S.) or Sun Life Assurance Company of Canada for products underwritten by those companies to receive payment under their respective programs. We encourage brokers and their clients to discuss what commissions or other compensation may be paid in connection with the purchase of our products and services. To ensure accurate and timely commission payments, the policyholder is required to submit a completed premium statement with payment on or before the premium due date each month. To speed processing, we encourage the policyholder to write the group policy number on the check. Product offerings may not be available in all states and may vary depending on state laws and regulations.
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For use only with brokers
This supplemental health broker compensation program is available to new business in all states with effective dates September 1, 2021, underwritten by Sun Life and Health Insurance Company (U.S.) and Sun Life Assurance Company of Canada (collectively “Sun Life.”) The program and commission scales are subject to change without advance notice. All decisions regarding payment of commissions are made by the underwriting insurance company and are final. Upon request and on a case-by-case basis, the underwriting insurance company may pay a commission rate that is higher than the standard commission rate. The decision to pay a higher rate will be at the underwriting insurance company’s sole discretion and will be subject to state approvals and regulatory requirements. Brokers must be properly licensed to sell insurance and be appointed with Sun Life and Health Insurance Company (U.S.) or Sun Life Assurance Company of Canada for products underwritten by those companies to receive payment under their respective programs. We encourage brokers and their clients to discuss what commissions or other compensation may be paid in connection with the purchase of our products and services. To ensure accurate and timely commission payments, the policyholder is required to submit a completed premium statement with payment on or before the premium due date each month. To speed processing, we encourage the policyholder to write the group policy number on the check. Product offerings may not be available in all states and may vary depending on state laws and regulations.
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For use only with brokers
This supplemental health broker compensation program is available to new business in all states with effective dates September 1, 2021, underwritten by Sun Life and Health Insurance Company (U.S.) and Sun Life Assurance Company of Canada (collectively “Sun Life.”) The program and commission scales are subject to change without advance notice. All decisions regarding payment of commissions are made by the underwriting insurance company and are final. Upon request and on a case-by-case basis, the underwriting insurance company may pay a commission rate that is higher than the standard commission rate. The decision to pay a higher rate will be at the underwriting insurance company’s sole discretion and will be subject to state approvals and regulatory requirements. Brokers must be properly licensed to sell insurance and be appointed with Sun Life and Health Insurance Company (U.S.) or Sun Life Assurance Company of Canada for products underwritten by those companies to receive payment under their respective programs. We encourage brokers and their clients to discuss what commissions or other compensation may be paid in connection with the purchase of our products and services. To ensure accurate and timely commission payments, the policyholder is required to submit a completed premium statement with payment on or before the premium due date each month. To speed processing, we encourage the policyholder to write the group policy number on the check. Product offerings may not be available in all states and may vary depending on state laws and regulations.
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For use only with brokers
This supplemental health broker compensation program is available to new business in all states with effective dates September 1, 2021, underwritten by Sun Life and Health Insurance Company (U.S.) and Sun Life Assurance Company of Canada (collectively “Sun Life.”) The program and commission scales are subject to change without advance notice. All decisions regarding payment of commissions are made by the underwriting insurance company and are final. Upon request and on a case-by-case basis, the underwriting insurance company may pay a commission rate that is higher than the standard commission rate. The decision to pay a higher rate will be at the underwriting insurance company’s sole discretion and will be subject to state approvals and regulatory requirements. Brokers must be properly licensed to sell insurance and be appointed with Sun Life and Health Insurance Company (U.S.) or Sun Life Assurance Company of Canada for products underwritten by those companies to receive payment under their respective programs. We encourage brokers and their clients to discuss what commissions or other compensation may be paid in connection with the purchase of our products and services. To ensure accurate and timely commission payments, the policyholder is required to submit a completed premium statement with payment on or before the premium due date each month. To speed processing, we encourage the policyholder to write the group policy number on the check. Product offerings may not be available in all states and may vary depending on state laws and regulations.
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- For PPO dental groups with effective dates on or after 7/1/24.
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1. In WA, this benefit is referred to as Health Screening Benefit. Not available in CO. No available in VA after 7/1/25.
2. For conditions as outlined in policy documents
3. Value-added services are not insurance, are offered only on specific lines of coverage, and carry a separate charge, which is added to the cost of the insurance. The cost is included in the total amount billed. Health Navigator Help Line is provided by PinnacleCare. PinnacleCare is a member of the Sun Life Financial Inc. (“Sun Life”) family of companies. PinnacleCare and its employees do not diagnose medical conditions, recommend treatment options or provide medical care, and any information or services provided should not be considered medical advice. Any medical decisions should be made only after consultation with and at the direction of the medical provider. Any person or entity who provides health care services following a referral or other service provided does so independently and not as an agent or representative of PinnacleCare. Health Navigator Help Line is not available in NY.
Sun Life reserves the right to discontinue any of the Services at any time. Employers who provide group insurance coverage and make available value-added services within an I.R.C. Section 125 cafeteria plan should consult a tax professional to determine whether those services are Qualified Benefits for Section 125 plans. Value-added services are not available in New York and may not be available in all other states.
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1. Mental Health America, “Prevalence of Mental Illness 2023”
2. Self Care not available in NY and VT.
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1. 1. In WA, this benefit is referred to as Health Screening Benefit. Not available in CO. No available in VA after 7/1/25.
2. For conditions as outlined in policy documents
3. AbleTo is not available in NY.
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1. American Heart Association: Heart Disease and Stroke Statistics 2023
2. 2023 Heart Disease and Stroke Statistics Update Fact Sheet
3. In WA, referred to as Health Screening Benefit. Not available in CO. Not available in VA after 7/1/25.
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1. https://jamanetwork.com/journals/jama/article-abstract/2752664
2. https://www.hopkinsmedicine.org/news/newsroom/news-releases/2023/07/report-highlights-public-health-impact-of-serious-harms-from-diagnostic-error-in-us
3. https://kaloramainformation.com/blog/u-s-out-of-pocket-healthcare-spending-swells-to-491-billion-up-10/
4. https://www.fiercehealthcare.com/payers/employers-expect-healthcare-costs-rise-next-3-years
5. https://www.commonwealthfund.org/publications/surveys/2023/oct/paying-for-it-costs-debt-americans-sicker-poorer-2023-affordability-survey
6. https://www.forbes.com/sites/debgordon/2022/11/28/60-of-americans-have-had-a-recent-bad-healthcare-experience-new-survey-shows/?sh=362468c12adf
7. https://www.cdc.gov/chronicdisease/about/index.htm
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1. Ranking compiled by Sun Life based on data contained in the 2022 NAIC Accident and Health Experience Report (as of YE 2021). An independent stop-loss carrier is defined as a stop-loss carrier that does not also sell medical claim administrative services.
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Ranking compiled by Sun Life based on data contained in the 2023 Accident and Health Policy Experience Report from the National Association of Insurance Commissioners ("NAIC"). An independent stop-loss carrier is defined as a stop-loss carrier that does not also sell medical claim administration services. Sun Life group companies include Sun Life Assurance Company of Canada and Sun Life and Health Insurance Company (U.S.).
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1. Ranking compiled by Sun Life based on data contained in the 2022 Accident and Health Policy Experience Report from the National Association of Insurance Commissioners ("NAIC"). An independent stop-loss carrier is defined as a stop-loss carrier that does not also sell medical claim administration services. 2. 2023 Sun Life Stop-Loss book of business data. Sources: 2023 Sun Life Stop-Loss book of business data. TPA Networks and Provider Networks based on earned premium from 2019 to 2023.
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Source: Sun Life internal analysis as of year-end 2023.
Results due to rounding may not total 100%
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*The Sun Life Stop-Loss catastrophic cancer claim reimbursement must be based on the International Statistical Classification of Diseases and Related Health Problems (ICD-10) cancer codes 140‒239. To receive a reduction in the Sun Life Stop-Loss Specific deductible, the Sun Life Cancer rider must be in force as well as a Sun Life Critical Illness Insurance policy. Issuance of the Sun Life Critical Illness policies is dependent on meeting underwriting guidelines and participation requirements. Product offerings may not be available in all states and may vary depending on state laws and regulations.
The Phia Group, LLC, provides SunElite services and is solely responsible for the content of all SunElite reports. A SunElite report varies according to the plan document. Neither Sun Life nor The Phia Group, LLC, can provide legal advice.
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We adjudicate all claims according to the medical plan document and the stop-loss policy. At the end of the policy period, reimbursement of excess accommodations may be required.
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The Phia Group, LLC, provides SunElite services and is solely responsible for the content of all SunElite reports. A SunElite report varies according to the plan document. Neither Sun Life nor The Phia Group, LLC, can provide legal advice.
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Families in High-Deductible Health Plans who need urgent care face paying an average deductible of $4,883 out of their own pockets every year (23% have deductibles of $6,000 or more)
Supplemental Health
Accident, Critical Illness, Cancer, Hospital Indemnity
There's a connection between oral health and overall health. Nearly one-third of all U.S. adults have untreated tooth decay.
59% of U.S. adults experience digital eye strain
Wellness/Preventative Care Dental, Vision
Illness, injury or pregnancy: 1 in 4 workers will miss up to 3 months or more of work during their career
Income Protection
Absence, Short-Term Disability, Long-Term Disability
Approximately 50 million U.S. households recognize they need more life insurance
Beneficiary Protection
Life Insurance
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1. https://www.kff.org/health-costs/issue-brief/data-note-americans-challenges-health-care-costs/
2. https://www.healthsystemtracker.org/chart-collection/health-expenditures-vary-across-population/#Proportion%20of%20individuals%20by%20health%20status,%202019
3. https://www.apa.org/pubs/reports/practitioner/2022-covid-psychologist-workload#:~:text=Amid%20increasing%20workload%2C%20more%20psychologists,2020%20to%2046%25%20in%202022
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Families in High-Deductible Health Plans who need urgent care face paying an average deductible of $4,883 out of their own pockets every year (23% have deductibles of $6,000 or more)
Supplemental Health
Accident, Critical Illness, Cancer, Hospital Indemnity
There's a connection between oral health and overall health. Nearly one-third of all U.S. adults have untreated tooth decay.
59% of U.S. adults experience digital eye strain
Wellness/Preventative Care Dental, Vision
Illness, injury or pregnancy: 1 in 4 workers will miss up to 3 months or more of work during their career
Income Protection
Absence, Short-Term Disability, Long-Term Disability
Approximately 50 million U.S. households recognize they need more life insurance
Beneficiary Protection
Life Insurance
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Data source: 2023 Internal PinnacleCare data.
* Average cost savings of $13K for treatment outcomes based on 20 years of data. Outcomes may be avoided treatments, less invasive testing or surgery or a change in treatment.
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Savings are calculated on an individual claim basis based on current and anticipated future provider charges.
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1. 2022 Stop-Loss book of business data
2. Savings are calculated on an individual claim basis based on current and anticipated future provider charges.
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Source: Sun Life book of business data including first-dollar claims from 2020-2023.
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Source: Sun Life book of business data from 2020-2023.
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1. United States Specialty Pharmaceuticals Market & Forecast 2020-2026, BusinessWire, December 8, 2020.
2. ASPE Trend in Prescription Drug Spending, 2016-2021 Issue Brief, September 2022
3. Citeline Pipeline Report, 2023
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This slide does not contain an exhaustive list of all companies.
ADP, the ADP logo, ADP Workforce Now, and Always Designing for People are trademarks of ADP, Inc. All other marks are the property of their respective owners. The information in this document was prepared by Sun Life and Sun Life is solely responsible for its accuracy and completeness. ADP makes no representation as to the accuracy or completeness of any information contained herein.
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Employees are directed to the online form via SSO or email depending on platform.
*Available with Workday only.
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- Create/update leave only for UKG Pro Workforce Management
- If employer wants pending claims, then Sun Life Link creation of leave information will occur prior to Sun Life making a decision on leave request.
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Roadmap is subject to change
ADP, the ADP logo, ADP Workforce Now, and Always Designing for People are trademarks of ADP, Inc. All other marks are the property of their respective owners. The information in this document was prepared by Sun Life and Sun Life is solely responsible for its accuracy and completeness. ADP makes no representation as to the accuracy or completeness of any information contained herein.
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Roadmap is subject to change.
ADP, the ADP logo, ADP Workforce Now, and Always Designing for People are trademarks of ADP, Inc. All other marks are the property of their respective owners. The information in this document was prepared by Sun Life and Sun Life is solely responsible for its accuracy and completeness. ADP makes no representation as to the accuracy or completeness of any information contained herein.
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Roadmap is subject to change
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Roadmap is subject to change
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Roadmap is subject to change
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Jane Laker is fictitious claimant.
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Jane Laker is a fictitious claimant.
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Jane Laker is a fictitious claimant.
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Jane Laker is a fictitious claimant.
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Susan Messa is a fictitious claimant.
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- Internal analysis
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Only available for companies with 2,000+ employees hosting products eligible for EOI
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Only available for companies with 2,000+ employees hosting products eligible for EOI
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Roadmap is subject to change
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Roadmap is subject to change
“The worst part is when you don't know what to do. When you don't know how to help your child. And so,
I called Health Navigator.”
– Joyce, Health Navigator Member
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Roadmap is subject to change
ADP, the ADP logo, ADP Workforce Now, and Always Designing for People are trademarks of ADP, Inc. All other marks are the property of their respective owners. The information in this document was prepared by Sun Life and Sun Life is solely responsible for its accuracy and completeness. ADP makes no representation as to the accuracy or completeness of any information contained herein.
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ADP, the ADP logo, ADP Workforce Now, and Always Designing for People are trademarks of ADP, Inc. All other marks are the property of their respective owners. The information in this document was prepared by Sun Life and Sun Life is solely responsible for its accuracy and completeness. ADP makes no representation as to the accuracy or completeness of any information contained herein.
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ADP, the ADP logo, ADP Workforce Now, and Always Designing for People are trademarks of ADP, Inc. All other marks are the property of their respective owners. The information in this document was prepared by Sun Life and Sun Life is solely responsible for its accuracy and completeness. ADP makes no representation as to the accuracy or completeness of any information contained herein.
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ADP, the ADP logo, ADP Workforce Now, and Always Designing for People are trademarks of ADP, Inc. All other marks are the property of their respective owners. The information in this document was prepared by Sun Life and Sun Life is solely responsible for its accuracy and completeness. ADP makes no representation as to the accuracy or completeness of any information contained herein.
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Roadmap is subject to change
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Roadmap is subject to change
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Roadmap is subject to change
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*Vantage HCM, Health & Welfare Service Engine and Next Gen HCM platforms
ADP, the ADP logo, ADP Workforce Now, and Always Designing for People are trademarks of ADP, Inc. All other marks are the property of their respective owners. The information in this document was prepared by Sun Life and Sun Life is solely responsible for its accuracy and completeness. ADP makes no representation as to the accuracy or completeness of any information contained herein.
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- Higginbotham.com "The future of benefits: Adapting to changing employee expectations, December 21, 2023..
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Higginbotham.com "The future of benefits: Adapting to changing employee expectations, December 21, 2023..
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*Teledentistry.com services are only available to members covered under dental PPO plans issued or administered by Sun Life Assurance Company of Canada or, in New York, dental PPO plans issued or administered by Sun Life and Health Insurance Company (U.S.) who have access to the Sun Life Dental Network, Sun Life Focus Dental Network, Assurant Dental Network or Assurant Focus Dental Network. Members covered under a prepaid or indemnity plan are not eligible for services through Teledentistry.com.
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Wellness benefits are not available in all states and may not be available with all products.
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Not available in New York. Services provided are not insurance.
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Only available in NY with Disability insurance.
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1. Self Care is available for dependents age 13 years and older.
Not available in New York and Vermont. Service provided is not insurance.
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1. AUM as of December 31, 2022. Represents a non-IFRS financial measure. These measures should not be viewed as an alternative to measures of financial performance determined in accordance with IFRS. Net income represents FY 2022.
2. Ranking compiled by DentaQuest and Sun Life based on internal and publicly available listed data.
3. ADP, the ADP logo, ADP Workforce Now, and Always Designing for People are trademarks of ADP, Inc. All other marks are the property of their respective owners. The information in this document was prepared by Sun Life and Sun Life is solely responsible for its accuracy and completeness. ADP makes no representation as to the accuracy or completeness of any information contained herein.
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4. Employees who are currently receiving Short-Term Disability benefit payments for cancer; or who are approved for a Critical Illness cancer benefit (with a cancer benefit payment date on or after March 1, 2022) are eligible for the program. Employers must have both Sun Life Short- and Long-Term Disability or have Sun Life Critical Illness. In New York, the AbleTo service is not available with standalone Critical Illness policies.
5. Self Care+ is available to dependents age 13 years and older. Only participants who are 18 years and older have access to the optional weekly check-ins. This service is not insurance, is offered only on specific lines of coverage, and carries a separate charge, which is added to the cost of the insurance. The cost is included in the total amount billed. Self Care+ is provided by AbleTo. AbleTo is not a subcontractor of Sun Life and Sun Life is not responsible or liable for the care, services, or advice provided by AbleTo. Sun Life reserves the right to discontinue this Service at any time. Employers who provide group insurance coverage and make available this Service within an I.R.C. Section 125 cafeteria plan should consult a tax professional to determine whether those services are Qualified Benefits for Section 125 plans.
6. Sun Life members receiving Short-Term Disability benefit payments starting on or after April 1, 2023, for back or neck MSK conditions (provided their employer has Sun Life Long-Term Disability) or receiving Long-Term Disability benefit payments for long COVID symptoms are eligible for the program. Sun Life is not responsible or liable for the care, services, or advice provided by Goodpath, and reserves the right to discontinue this service at any time.
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1. Not available in WA and CO.
Certain state restrictions may apply for performance guarantees and implementation credits.
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1. Ranking compiled by DentaQuest and Sun Life based on internal and publicly listed data.
2. Sun Life’s dental networks include its affiliate, Dental Health Alliance®, L.L.C. (DHA®), and dentists under access arrangements with other dental networks. Nationwide counts are state level totals.
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*Supplemental Health Inclusive of Critical Illness, Accident, and Hospital Indemnity
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*Supplemental Health Inclusive of Critical Illness, Accident, and Hospital Indemnity
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*Voluntary inclusive of Cancer/Critical Illness, Accident, and Hospital Indemnity
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*Voluntary inclusive of Cancer/Critical Illness, Accident, and Hospital Indemnity
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Ranking compiled by Sun Life based on data contained in the 2023 Accident and Health Policy Experience Report from the National Association of Insurance Commissioners ("NAIC"). An independent stop-loss carrier is defined as a stop-loss carrier that does not also sell medical claim administration services.
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1 Zelis Network 360 data as of December 2023.
All other data is Sun Life internal, client-specific data as of January 2024.
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1 Zelis Network 360 data as of December 2023.
All other data is Sun Life internal, client-specific data as of January 2024.
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1. Member eligibility criteria applies. See linked documents for details.
2. Policies issued in WA require filing and approval for all performance guarantees. In WA, performance guarantees are only available for groups of 500+ lives.
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ADP, the ADP logo, ADP Workforce Now, and Always Designing for People are trademarks of ADP, Inc. All other marks are the property of their respective owners. The information in this document was prepared by Sun Life and Sun Life is solely responsible for its accuracy and completeness. ADP makes no representation as to the accuracy or completeness of any information contained herein.
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- Policies issued in WA require filing and approval for all service guarantees. In WA, service guarantees are only available for groups of 500+ lives
- Member eligibility criteria applies.
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1. Policies issued in WA require filing and approval for all performance guarantees. In WA, performance guarantees are only available for groups of 500+ lives.
Families in High-Deductible Health Plans who need urgent care face paying an average deductible of $4,883 out of their own pockets every year (23% have deductibles of $6,000 or more)
Supplemental Health
Accident, Critical Illness, Cancer, Hospital Indemnity
There's a connection between oral health and overall health. Nearly one-third of all U.S. adults have untreated tooth decay.
59% of U.S. adults experience digital eye strain
Wellness/Preventative Care Dental, Vision
Illness, injury or pregnancy: 1 in 4 workers will miss up to 3 months or more of work during their career
Income Protection
Absence, Short-Term Disability, Long-Term Disability
Approximately 50 million U.S. households recognize they need more life insurance
Beneficiary Protection
Life Insurance
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1. Policies issued in WA require filing and approval for all performance guarantees. In WA, performance guarantees are only available for groups of 500+ lives.
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ADP, the ADP logo, ADP Workforce Now, and Always Designing for People are trademarks of ADP, Inc. All other marks are the property of their respective owners. The information in this document was prepared by Sun Life and Sun Life is solely responsible for its accuracy and completeness. ADP makes no representation as to the accuracy or completeness of any information contained herein.
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1. Policies issued in WA require filing and approval for all performance guarantees.
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Member eligibility criteria applies. See linked documents for details.
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1. Policies issued in WA require filing and approval for all performance guarantees.
2. Member eligibility criteria applies. See linked documents for details.
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The content of this slide is owned by Sedgwick.
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The content of this slide is owned by Sedgwick.
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The content of this slide is owned by Sedgwick.
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The content of this slide is owned by Sedgwick.
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The content on this slide is owned by Sedgwick.
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*2022 DMEC Absence Plan Design and Practices Benchmarking Report- March 2023
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Families in High-Deductible Health Plans who need urgent care face paying an average deductible of $4,883 out of their own pockets every year (23% have deductibles of $6,000 or more)
Supplemental Health
Accident, Critical Illness, Cancer, Hospital Indemnity
There's a connection between oral health and overall health. Nearly one-third of all U.S. adults have untreated tooth decay.
59% of U.S. adults experience digital eye strain
Wellness/Preventative Care Dental, Vision
Illness, injury or pregnancy: 1 in 4 workers will miss up to 3 months or more of work during their career
Income Protection
Absence, Short-Term Disability, Long-Term Disability
Approximately 50 million U.S. households recognize they need more life insurance
Beneficiary Protection
Life Insurance
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Short-Term Disability: Sun Life’s maximum liability under this guarantee for any policy year is limited to the lesser of 3% of the policyholder’s annual STD premium or $5,000. The maximum payment for a breach of any one component is one-third of the maximum liability (lesser of 1% or $1,667). If a policyholder has more than one line of insurance coverage, the Overall Satisfaction component will be paid only if the service issue arises under this guarantee.
Long-Term Disability: Sun Life’s maximum liability under this guarantee for any policy year is limited to the lesser of 3% of the policyholder’s annual LTD premium or $5,000. The maximum payment for a breach of any one component is one-third of the maximum liability (lesser of 1% or $1,667). If a policyholder has more than one line of insurance coverage, the Overall Satisfaction component will be paid only if the service issue arises under this guarantee.
Life: Sun Life’s maximum liability under this guarantee for any policy year is limited to the lesser of 3% of the policyholder’s annual Life premium or $5,000. The maximum payment for a breach of any one component is one third of the maximum liability (lesser of 1% or $1,667). If a policyholder has more than one line of insurance coverage, the Overall Satisfaction component will be paid only if the service issue arises under this guarantee.
Supplemental Health: Sun Life’s maximum liability under this guarantee for any policy year is limited to the lesser of 3% of the policyholder’s annual Critical Illness, Cancer, Hospital or Accident premium (for whichever coverage the request is made) or $5,000. The maximum payment for a breach of any one component is one-third of the maximum liability (lesser of 1% or $1,667). If a policyholder has more than one line of insurance coverage, the Overall Satisfaction component will be paid only if the service issue is not satisfied under the claims service or customer service components.
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