What is Care at Home?

Care at Home insurance provides you with the extra support you may need to stay in the comfort of your own home as you get older and experience declining health, reduced mobility, an illness or an accident.

Why do you need Care at Home?

Designed for Canadians aged 50+ (between 50 and 74 at the time of application), Care at Home works as a supplement to provincial healthcare and other personal health insurance benefits. It fills an important gap in health insurance by covering the cost of certain in-home healthcare and home conversion expenses such as help with meal preparation, housework, transportation and home safety upgrades, so you can continue to live safely and securely in your own home without having to dip into your savings.

If you’re within 60 days of leaving your employer, you can automatically qualify with no medical questions asked at the time of application. After 60 days you can still qualify by answering some simple health questions.4

Plan details:

Care at Home provides a choice of 3 coverage options:

Home care benefit

  • Covers the services of a nurse in your home, food preparation, managing medication, transportation and housekeeping services
  • $3,000 annual maximum, $15,000 lifetime maximum 2

Home conversion benefit

  • Helps to cover the cost of home mobility equipment such as wheelchair ramps, grab bars and walk-in bathtub conversions
  • Option of $3,000 or $5,000 lifetime maximum

Fracture benefit

  • Provides a one-time, lump-sum payment in the event of an accidental fracture
  • Payment varies between $1,000 and $5,000 based on the specific type of fracture

Additional services

Additional services3 are available to Care at Home Enhanced and Care at Home Standard policy holders (Sun Life reserves the right to cancel these services at any time):


LifestageCare,TM a concierge service provided by Sykes Assistance Services Corporation, can help you find qualified health care and personal care providers in your area.


CustomerPerks®, a discount program provided by Venngo Inc., offers access to savings on health and wellness products.

Plan today for the life you want to live tomorrow

The sooner you apply, the lower the cost. Monthly premiums for Care at Home Standard and Care at Home Enhanced are based upon your age at the beginning of your policy year and your gender. The premium for Care at Home Fracture is a flat rate for all ages, by gender.

Learn more about Care at Home and how it can help maintain your independence and protect your financial future by contacting a Sun Life Financial Services Consultant1 or Sun Life Retirement Consultant1.

Leaving your employer plan?

For questions regarding options for your employer group plan, contact a Sun Life Financial Services Consultant1 any business day from 8 a.m. to 8 p.m. ET. Call 1-877-893-9893.

Retiring soon?

For information and assistance on new or existing retirement income plans, connect with a Sun Life Retirement Consultant1 any business day from 8 a.m. to 6 p.m. ET. Call 1-866-224-3906.