Essential Plan

SLPC 25438 7/16 (exp. 7/18)


68% of Americans live paycheck to paycheck.1

Millenials (born 1980–2000) may value accident insurance over other coverages, and especially appreciate portability when it comes to employee benefits.2

Sun Life's Essential Plan offers extra money to employees and their loved ones who are injured in a covered accident. Our plan is affordable to employees at all levels of an organization, with a simple benefit schedule that's easy to understand.

How does it work?

Sun Life pays a cash benefit directly to the insured person injured by a covered accident. The amount we pay depends on the type of injury and care received, based on our benefits schedule. Benefits are payable multiple times, up to a Maximum Benefit Amount per covered accident.

Employees can use the money for any purpose, including:

  • Medical co-pays
  • Meeting high deductibles
  • Replacing a portion of wages due to time away from work

What's covered?

Sun Life's Essential Plan pays a benefit for:

  • Fractures and dislocations
  • Ambulance rides, hospital confinements, and emergency room and outpatient office visits
  • Medical devices
  • Accidental death and dismemberment (AD&D)

Looking for a more robust list of coverage? See our Accident, Preferred Plan.

Key benefits for...


  • Affordable
  • Guaranteed Issue, always
  • Family coverage
  • No reductions for other coverage
  • HSA-compatible
  • Portable (subject to state availability)
  • Optional Accident Disability Insurance Benefit for the employee and spouse


  • Choice of up to 3 (among 7) benefit schedules to offer employees
  • Simple, easy-to-understand offering
  • Competitive group pricing
  • Appeals to younger workers, who may value accident over other coverage and also appreciate portability
  • Funding options: employee-paid, employer-paid, or shared cost
  • 24-hour or off-job
  • Value-added services that may be requested by employer:

1 Reported on, September 19, 2012. Refers to study published by American Payroll Association.
2 Psychology Today, "Bridging the Big Divide."

The content on this page is not approved for use in New Mexico.

In Colorado, the Essential Plan is referred to as the Basic Plan.

* 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.) (Lansing, MI) 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. In CO, Essential Plan is called the Basic Plan. Product offerings may not be available in all states and may vary depending on state laws and regulations.

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