Disability insurance

SLPC 28120 2/17 (exp. 2/19)

Sun Life helps return employees to work

Learn how Sun Life helps both employers and employees through our innovative Work is Healthy—or WisH—process.


Income protection for employees

Disability insurance is one of the most valuable benefits that companies can offer their employees. That's because it protects earning ability, which could be an employee's 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 employers and employees.

No matter how an employer structures a plan, we provide timely decisions for employees with a short-term disability, and practical, caring support for those with a long-term disability. Not only do we promise the speed and accuracy of our claims processing, we ensure a quick response time and overall satisfaction. All of this is backed by our service guarantees1.

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). We offer a range of benefit amounts and durations that make administration easy and coverage affordable.

Long-Term Disability

For disabilities usually lasting longer than six months. We offer replacement income and caring support services for eligible employees coping with the consequences of being out of work.

Other options:

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 or STD 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.