Accident insurance

SLPC 25437 04/15 (exp. 04/17)

A welcome and affordable way to help employees manage life's emergencies

Unintentional falls are the top nonfatal injury treated in U.S. emergency rooms for people in nearly all age groups. *

Injuries affect millions of Americans every year. They can happen anytime, to anyone – no matter how careful someone is. The costs related to recovery can add up.

Sun Life's Accident insurance plans help employees manage such costs. We offer two plans – Essential and Preferred – for employers to choose from, along with a valuable add-on for extra financial protection.

We pay a cash benefit if employees or their dependents are injured as part of a covered accident, such as falls, sports injuries, or accidents caused by operating machinery. They can use the money in any way, and both our plans are HSA-friendly – welcome news for those who have to meet high deductibles or want to preserve their savings.

Choose among two plans

Essential Plan

Offers a simple benefit schedule that is easy to understand and is affordable to employees at all levels of an organization. Employers choose to offer up to 3 (among 7) benefit schedules.

Preferred Plan

Offers our widest range of covered benefits, with low, mid, and high benefit schedules. Plus, employers can customize a schedule to best meet their needs.


Valuable add-on

  • Accident Disability Insurance Benefit
    Offers a weekly stream of income to employees and spouses who are Totally Disabled as a result of a covered accident. Disability for spouses is defined as the inability to perform two or more Activities of Daily Living.

* Centers for Disease Control and Prevention, "National Estimates of the 10 Leading Causes of Nonfatal Injuries Treated in Hospital Emergency Departments, United States—2010."

* The Disability Insurance Benefit is not available for spouses in New York.

If permitted by the Employer's employee benefit plan and not prohibited by state law, the term "spouse" in this benefit includes any individual who is either recognized as a spouse, a registered domestic partner, or a partner in a civil union, or otherwise accorded the same rights as a spouse.

Accident Insurance is a limited benefit policy. It provides accident coverage only and does not provide basic hospital, basic medical, or major medical insurance. This coverage does not constitute comprehensive health insurance (often referred to as "major medical coverage") and does not satisfy the requirement for Minimum Essential Coverage under the Affordable Care Act. Failing to maintain Minimum Essential Coverage may result in a tax penalty.

The certificate and its riders have exclusions and limitations that may affect any benefits payable. Benefits payable are subject to all terms and conditions of the certificate. The policy, certificate, and any rider, if applicable, may not be available in all states.

For policies issued in New York: The expected benefit ratio for this policy is 65%. This ratio is the portion of future premiums which the Company expects to return as benefits, when averaged over all people with the policy.

Group insurance policies are underwritten by Sun Life Assurance Company of Canada (Wellesley Hills, MA) in all states, except New York, under Policy Form Series 93P-LH, 98P-ADD, 07-SL REV 7-12, 07P-LH-PT/07C-LH-PT, 01P-ADD-PT/01C-ADD-PT, GP-A, GC-A, 12-GP-01, 12-DI-C-01, 13-SD-C-01, 12-AC-C-01,13-ADD-C-01, 12-GPPort-P-01, 13-ADDPort-C-01, 12-STDPort-C-01, 12-ACPort-C-01, 13-SDPort-C-01, TDBPOLICY-2006, and TDI-POLICY. In New York, group insurance policies are underwritten by Sun Life and Health Insurance Company (U.S.) (Windsor, CT) under Policy Form Series 13-GP-LF-01, 13-LF-C-01, 13-GP-LH-01, 13-ADD-C-01, 13-LTD-C-01, 13-STD-C-01, 06P-NY-DBL, 07-NYSL REV 7-12, GP-A, GC-A, 12-GP-SD-01, 13-SD-C-01, 12-GP-01, 12-AC-C-01, 12-GPPort-01, 13-LFPort-C-01, 13-ADDPort-C-01, 12-STDPort-C-01, 12-ACPort-C-01 and 13-SDPort-C-01. Product offerings may not be available in all states and may vary depending on state laws and regulations.

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