Disability insurance

SLPC 25182 8/13 (exp. 8/15)

Income protection for employees

Disability insurance is one of the most valuable benefits that you can offer your employees. That’s because it protects their earning ability, which could be their most important asset.

Sun Life offers flexible Short-Term Disability and Long-Term Disability group plans, with features and services that can be customized to meet the needs of both you and your employees.

No matter how you structure a plan, we provide timely decisions for employees with short-term disabilities, and practical, caring support for those with long-term disabilities – all backed by our service guarantees. Not only do we promise speed and accuracy in our claims processing, we also ensure a quick response time and overall satisfaction.

Choice of plans:

Short-Term Disability

For disabilities usually lasting up to 26 weeks (or longer in selected cases depending on the plan's design). Offers a range of benefit amounts and durations that make administration easy and coverage affordable.

Long-Term Disability

For disabilities usually lasting more than six months. Offers replacement income and caring support services for eligible  employees who need more help to cope with the consequences of being out of work.


Other options:

  • Voluntary Disability – the same plans as above (Short-Term Disability, Long-Term Disability) but offered on a voluntary (employee-paid) basis.
  • Retro Disability Benefits – additional benefits when Total Disability begins with a hospital stay that lasts 14 days or longer.
  • Disability claim management services – professional management of self-insured short-term disability plans including claim management and Family Medical Leave Assistance plans.

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.