For members



We are here for you, ready to help.



If you have Sun Life coverage through your employer—including life, disability, critical illness, cancer, accident, or dental and vision—we are here for you.

Our commitment to you remains steady. We are here to answer your calls, pay your claims, and help you get the benefits you need.  We are financially strong, and will weather this storm with you.

We created this site to help answer your benefit questions related to COVID-19.

Answers to your top questions

What if I lost my job or full-time status?

If your employment is affected by COVID-19, either through temporary furlough or layoff, or reduced hours, and you lose your benefits, there are ways that you can keep your coverage:

  • If your employer was paying for your benefits: We are making temporary changes that may allow you to continue coverage for up to 90 days or even longer. Ask your employer about your options for keeping the benefits you signed up for.
  • If you were paying for your benefits: Please talk with your employer about how they can continue to collect your payments and send them to Sun Life. If they’re unable to do so, call us; we may have more options for you to keep your benefits.

In addition:

  • For Life insurance: You may be able to convert the life insurance coverage you had for yourself and any covered dependents to an Individual policy. Life insurance helps you provide the people you love with financial support when you can’t be there – and when they need it most.  If your only source of life insurance was through your employer, you may want to consider keeping coverage with Sun Life.  Please check your group insurance certificate or talk with your Benefits Administrator for more details.
  • For Dental or Vision coverage: You may be eligible to continue your group Dental and/or Vision benefits under COBRA for 18 months (longer in some situations).  You must elect COBRA continuation for you and your dependents on a timely basis. Please talk with your employer to determine if you are eligible, and how they can collect and remit your payments.

Here is more information about these and other benefits you may have received through your employer. You may still find these coverages valuable to you and your family. Your employer can tell you what coverages you had and the benefit amounts. You can also call us for more information. We’re here to help.

What if I have COVID-19 or symptoms and I cannot work?

If you have Short-Term Disability coverage, here are some guidelines to help you determine if you are eligible for benefits:

  • If you test positive for COVID-19, and are unable to work, you are considered Totally Disabled for at least 14 days after you were first unable to work, and therefore eligible for Short-Term Disability benefits.
  • If you have flu-like symptoms but have not been tested or do not have a positive test result for COVID-19, we will review your claim as we do any other claim. If we determine that you are Totally or Partially Disabled, you may be eligible for Short-Term Disability benefits.
  • If you do not have signs of an illness, or have not tested positive for COVID-19 but are placed under quarantine by a doctor or public health official, you will not be eligible for Short-Term Disability benefits.
What if I can’t visit a covered dentist?

The American Dental Association has recommended that dentists postpone elective procedures and concentrate on emergency dental care.

  • For emergency consultation or treatment, we first recommend you call your primary dental office. Many dental offices are monitoring patient needs and will provide guidance on what you should do.
  • If your dentist is providing teledentistry services, Sun Life accepts dental evaluations when performed remotely. Your dentist will have the appropriate codes to file your claim. Evaluations performed via teledentistry are subject to the same policy provisions, copayments and frequencies as a regular office visit.
  • If you use our PPO network: If your dentist has closed and has not left instructions on how to seek emergency treatment, we recommend that you contact another in- or out-of-network dentist for treatment.
  • If you have Prepaid/DHMO dental: There is a reimbursement for emergency dental treatment when your assigned dentist is not available. See your Evidence of Coverage for details on emergency benefits and how to submit a claim for reimbursement.
How can I use my vision benefits from home?
If you are covered by a Sun Life Vision plan, you now have access to emergent eye care needs through VSP’s essential medical eye care services. Here is the information you need, including what is covered and contact information. Out of contacts? Need new glasses? You can get these all from the comfort of your own home*. Through Eyeconic, Sun Life Vision members can shop, virtually try-on and even purchase new glasses and contacts* using their Vision benefits—without taking a step outside. *Current prescription required.
How does COVID-19 affect my disability claim and/or my disability benefits?

You may have some questions related to your disability benefits on these topics:

  • Medical documentation: We understand that some health care providers are experiencing a high patient load due to COVID-19. If you’re having trouble getting your health care provider to submit required medical documentation, we will work with them to gather the required documentation. Just call us and let us know your situation.
  • Stimulus checks: If receive a check from the government as part of the stimulus program, we will not consider these stimulus checks as “other income” and will not reduce your disability benefit.
  • Check payments: If you receive your benefit checks in the mail, and don’t want to go out to the bank, please fill out this Direct Deposit form so we can deposit benefits into your account.
How have you changed your benefits to align with new state legislation in NY and NJ?

Some states have or are preparing to expand coverages in light of COVID-19. If your employer has Sun Life for their state disability plan or paid family leave, we are prepared to meet new state requirements. These benefits have certain criteria that must be met in order for you to be paid. Talk with your employer or call us to discuss your situation. You can also visit these state websites:

New York: https://paidfamilyleave.ny.gov/COVID19

New Jersey: https://www.nj.gov/labor/worker-protections/earnedsick/covid.shtml

Has Sun Life made any changes to my critical illness coverage?

If you have critical illness insurance from Sun Life, we just added a COVID-19 Critical benefit. This benefit is available as of the later of the policy effective date or March 13, 2020 and has specific criteria that must be met for a benefit to be paid. Read about it here.



This content is not to be considered legal advice. We recommend Clients speak with legal counsel specializing in labor and employment law to ensure your organization meets requirements

Group insurance policies are underwritten by Sun Life Assurance Company of Canada (Wellesley Hills, MA) in all states, except New York. In New York, group insurance policies are underwritten by Sun Life and Health Insurance Company (U.S.) (Lansing, MI). Product offerings may not be available in all states and may vary depending on state laws and regulations. Sun Life reserves the right to discontinue any service that is not insurance at any time. All products, brands, and names are the property of their respective owners.

SLPC 30172 5/20 Exp. 5/22