Long-Term Disability insurance

SLCP 28123 2/17 (exp. 2/19)

You benefit from flexible Long-term disability solutions that allow you to choose the funding options you need to control costs along with comprehensive Rehabilitation Services and incentives designed to improve return-to-work outcomes. We also help employees grasp the true value of disability coverage through our plain language, education, and helpful services.

How does it work?

Our Long-term disability plan replaces a portion of an employee’s salary if that employee is Totally Disabled. Premiums can be paid by the employer, the employee, or both.

What's covered?

Our Long-Term Disability plan covers disabilities resulting from injuries or illnesses that prevent employees from performing the essential duties of their jobs.

Benefits for…

Employees

  • Innovative Retro Disability Benefit for seriously disabled employees
  • Return-to-work incentives and programs
  • Range of options – cost-of-living adjustments, a pension contribution benefit, assisted living benefit, and more

 

 


Employers

  • Flexible and affordable solutions
  • Claims management
  • Service guarantees if we don’t meet certain service standards1
  • Funding options: employee-paid, employer-paid, or shared cost
  • Optional Employee Assistance Program
  • Integrated Waiver of Premium processing when the plan also includes our Group Life insurance

 

1. 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 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 LTD premium or $5,000. The maximum payment for a breach of any one guarantee is one-third of the maximum liability ($1,667). If a policyholder has more than one line of insurance coverage, the Overall Satisfaction guarantee will be paid only if the service issue arises under this guarantee.

The group insurance policies described in this advertisement provide disability income insurance only. They do NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York State Department of Financial Services.

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, 15-GP-01, 12-DI-C-01, 12-GPPort-P-01, 12-STDPort-C-01, 16-DI-C-01, TDBPOLICY-2006, and TDI-POLICY. In New York, group insurance policies are underwritten by Sun Life and Health Insurance Company (U.S.) (Lansing, MI) under Policy Form Series 15-GP-01, 13-GP-LH-01, 13-LTD-C-01, 13-STD-C-01, 06P-NY-DBL, 12-GPPort-01, and 12-STDPort-C-01. Product offerings may not be available in all states and may vary depending on state laws and regulations.

© 2017 Sun Life Assurance Company of Canada, Wellesley Hills, MA 02481. All rights reserved. Sun Life Financial and the globe symbol are registered trademarks of Sun Life Assurance Company of Canada. Visit us at www.sunlife.com/us.