Long-Term Disability insurance

SLCP 24031 12/13 (exp. 12/15)

Sun Life can tailor a Long-Term Disability plan that allows you to offer coverage at a competitive rate, so your employees can protect what they love about their lives. We also help them grasp the true value of disability coverage through our plain language, education and helpful services.

At least one-third of full-time U.S. workers lack long-term disability insurance, and many who do have it are underinsured or don't understand its key features. These are some of the findings of Sun Life's recent white paper on long-term disability.

How does it work?

Our menu of choices include traditional, contributory, and core-buy plans, as well as voluntary plan designs – all designed to provide salary replacement for employees who are Totally Disabled. Premiums can be paid by you, your employees or cost-shared. We also offer Customized Disability1 insurance, which combines the features of Sun Life’s Short- and Long-Term Disability plans to provide partial income replacement for employees under a single policy.

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…


  • 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


  • Flexible and affordable solutions
  • Customize the best plan for your company and employee needs
  • Claims management
  • Service guarantees if we don’t meet certain service standards2
  • 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
  • Help employees achieve peace of mind knowing financial support is available

1. Not available in New York.
2. Any payment will be paid, by check, at the end of a policyholder's policy year. To obtain a payment, a policyholder must request it in writing. Sun Life Financial will determine whether a payment is made. Sun Life Financial's maximum liability under this guarantee is limited to the lesser of 3% of a policyholder's annual Life premium and $5,000. The maximum payment for breach of the service standard is one-third of the maximum liability, or $1,667 each for claims service, customer service, and overall satisfaction guarantee.


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 93P-LH, 98P-ADD, 01C-LH-PT, 12-GP-01, and 12-DI-C-01. In New York, group life and disability insurance policies are underwritten by Sun Life and Health Insurance Company (U.S.) (Windsor, CT) under Policy Form Series 13-GP-LH-01, 13-LF-C-01, 13-GPPORT-P-01, 13-LFPort-C-01, 13-ADD-C-01, 13-LTD-C-01, 13-LTD-P-01, 13-STD-C-01, and 06P-NY-DBL. Product offerings may not be available in all states and may vary depending on state laws and regulations.