Critical Illness Insurance

For Sun Life members and covered dependents who elected Critical Illness Insurance.

When you or your covered dependents are diagnosed with a covered condition, you can receive a cash benefit to help pay unexpected costs not covered by your health plan.

What’s covered

Once your coverage goes into effect, you can file a claim for covered conditions diagnosed after your insurance plan’s effective date. Below is the full list of conditions.

Covered conditions

The plan pays 100% of the benefit amount unless stated otherwise. When you enrolled, you chose your benefit amount. If you need to learn your benefit amount, visit FBMC.com and sign in to your account or register a Sun Life account.

Condition category Covered condition

Core Conditions
  • Heart Attack (R)
  • End-Stage Kidney Disease (R)
  • Major Organ Failure (R)
  • Stroke (R)
  • Coronary Artery Bypass Graft (R) (pays 25%)
  • Occupational HIV/Hepatitis B, C, or D no recurrence
  • Angioplasty (R) (pays 5%)

Cancer Conditions
  • Invasive Cancer (R)
  • Noninvasive Cancer (R) (Plan pays 25%)
  • Skin Cancer (R) (Plan pays 5%)

Childhood Conditions

(Applies to

dependent children only.

No recurrence.)
  • Down Syndrome
  • Cystic Fibrosis
  • Type 1 Diabetes Mellitus
  • Complex Congenital Heart Disease
  • Cerebral Palsy
  • Cleft Lip/Palate
  • Muscular Dystrophy
  • Spina Bifida

Other Conditions

(No recurrence.)
  • Complete Blindness
  • Complete Loss of Hearing
  • Loss of Speech
  • Benign Brain Tumor
  • Coma
  • Paralysis
  • Severe Burns
  • Advanced ALS/Lou Gehrig’s Disease
  • Advanced Parkinson’s Disease (Plan pays 25%)
  • Advanced Alzheimer’s Disease (Plan pays 25%)

R = Recurrence Benefit available

The full list of benefits as well as important limitations and exclusions can be found in the Benefit Highlighter and Certificate (coming soon).

This plan is eligible for a Wellness Benefit.

Frequently asked questions

Here is information on how to file your claim.

For questions about your claim, contact Sun Life at 800-309-8699.  

Sometimes people are diagnosed with the same condition. If this happens to you, and 6 consecutive months have passed between the diagnoses, we’ll pay you again. Only the conditions marked (R) in the table above are eligible for the Recurrence Benefit.

 If you have any questions regarding Critical Illness insurance or existing coverage, contact us at (800) 309-8699 or visit sunlife.com/us.

Yes. In order to receive benefits for more than one Critical Illness, there must be at least 6 consecutive months between each diagnosis date. You can only claim benefits once for each covered condition unless a recurrence benefit is payable.

 If you pay the cost of coverage on a pre-tax basis, your benefit amount will be reported on a Form 1099 as taxable income. Please reach out to a tax advisor or your employer if you have any questions.

Depending upon state variations and your employer’s plan, you may have an option to continue group coverage when your employment terminates. Your employer can advise you about your options.

This coverage does not constitute comprehensive health insurance (often referred to as “major medical coverage”). It does NOT provide basic hospital or basic medical. Covered conditions have specific diagnostic criteria that must be met (along with supporting documentation) for a benefit to be paid. Read Certificate. In the event of a discrepancy between this Overview, the Certificate and the Policy, the terms of the Policy will govern.

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 15-GP-01, 16-DEN-C-01, 16-SD-C-01, 16-SDPort-C-01, 12- GP-01, 13-SD-C-01, 13-SDPort-C-0116-CAN-C-01, 16-CANPort-C-01, 16-AC-C-01, 16-ACPort-C-01, 12-AC-C-01, 12-GPPort-01, 12-ACPort-C-01,20-HI-C-01, 12-GPPort-P-01, and 20-HIPORT-C-01. Product offerings may not be available in all states and may vary depending on state laws and regulations.

© 2026 Sun Life Assurance Company of Canada, Wellesley Hills, MA 02481. All rights reserved. The Sun Life name and logo are registered trademarks of Sun Life Assurance Company of Canada. Visit us at www.sunlife.com/us.

#1369926413 05/24 (exp. 05/26)