International Benefit Solutions

John's employer is transferring him to its US division in California for a two-year assignment. He's relieved to know that while he's working outside Canada, he and his family will be covered for their medical and dental needs, as well as for life and disability insurance. And when they come back to Canada, they'll still be covered while waiting for their provincial government health care coverage to start again. Now, if only they could be protected from Canadian winters when they return...

If you are a multinational employer with employees in more than one country, we can help you tailor a benefits solution to meet your particular needs in these situations:

  • You are based in Canada and need group benefits for:
    • Expatriates - Canadian employees working outside Canada.
    • Inpatriates - returning expatriates who are satisfying a waiting period to be eligible for provincial health care coverage, or foreign employees working for a Canadian business in Canada.
    • Third country nationals - employees who are citizens of one foreign country and working in a second foreign country for a division or subsidiary of a Canadian company.
    • Foreign nationals - foreign employees working in their own country for a division or subsidiary of a Canadian business.
  • You are based outside Canada and are looking for group benefits for your Canadian operation.
  • You are a global employer with benefit plans in various countries. We can offer specialized multinational pooling arrangements through our participation in the Generali Employee Benefits Network. Multinational pooling combines the benefit plan experience of a company's local subsidiaries in various countries into a single, global pool. This helps to reduce costs and provide greater financial control over your international benefit programs.

Our alliance partner

In addition to our own capabilities, to create our International Benefit Solutions we've formed alliances with two key international benefits providers:

  • Generali Employee Benefits (GEB) Network, one of the world’s leading networks, can offer you access to local benefit programs through group benefits providers in more than 70 countries around the world, and to multinational pooling solutions. Sun Life Financial is the exclusive group benefits provider for the GEB Network in Canada. Our partnership here complements those that Sun Life Financial Group Division in the US and Sun Life Financial in India have established with the GEB Network in their respective countries.
  • In addition, Sun Life Financial US Employee Benefits Group is a significant provider of Group Life and Disability benefits in the USA.

For more information about our alliance partner, visit:

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