Submit or track a claim

If you bought coverage through your advisor

For claims other than life insurance, contact your advisor directly. Do you need your advisor’s email or phone number? Go to Find an advisor and search by last name. 

1. Contact us

Please call us at 1-877-786-5433, Monday to Friday from 8 a.m. to 8 p.m. ET to let us know about your loss. 

We’ll start by asking for basic information including: 

  • full name of the insured person,
  • policy number, 
  • date of birth of the insured person, 
  • date of passing, 
  • country of passing, 
  • cause of death,
  • funeral home name, address, and phone number,
  • your name,
  • your relationship to the insured person,
  • your address, email, and phone number.

2. Complete claim requirements 

Depending on the policy, the claim may be considered an ‘express claim’.  This means we don’t need a claim form or proof of death of the insured person. 

If the claim does not qualify as an express claim, an advisor will connect with you to confirm what’s needed. 

If you’d like help with the process, please call us at 1-877-786-5433, Monday to Friday from 8 a.m. to 8 p.m. ET. 

3.  Return forms

You can send forms and any other details to us by:

  • Fax: 1-866-487-4745
  • Mail or courier:   
    Sun Life
    227 King St S
    PO Box 1601 Station
    Waterloo, ON  N2J 4C5
    Sun Code: 300A50
  • *Email: LFCLM@sunlife.com

Please keep a copy of the documents you send us for your records.

*Although Sun Life uses reasonable means to protect the security and confidentiality of the email content it sends and receives, the privacy or security of email communications cannot be guaranteed.

4. Reviewing your claim 

After we receive the claim forms, we:  

  • review your claim to determine its eligibility. 
  • monitor the progress of your claim and provide updates. 
  • may ask for more information, if necessary. 

If you’d like an update or want to provide more information, you can contact us while we’re processing the claim by calling 1-877-786-5433, Monday to Friday from 8 a.m. to 8 p.m ET.

5. The claim decision 

If we approve the claim, we’ll make the payment by electronic fund transfer (EFT) or by cheque, depending on what you selected on the claimant statement. 

If we don’t approve the claim, we understand you may have questions about the decision. You’ll receive a letter explaining our decision and the appeal process. If you want to have the decision reviewed again, you’ll need to provide a letter within 60 days that gives us: 

  • new medical information to support the claim, or
  • details of your reason to appeal the decision.

This information can be sent by: 

  • Fax: 1-866-487-4745
  • Mail or courier:   
    Sun Life
    227 King St S
    PO Box 1601 Station
    Waterloo, ON  N2J 4C5
    Code 300A50
  • *Email: LFCLM@sunlife.com

*Although Sun Life uses reasonable means to protect the security and confidentiality of the email content it sends and receives, the privacy or security of email communications cannot be guaranteed.

If you have coverage through your employer, or you bought it online or by phone

For health or dental claims:

If you're already registered:

  1. Sign in to mysunlife.ca.
  2. Under Benefits, click my claims.
  3. If you see the header Submit a claim, you can submit a claim online.
  4. Choose the claim type that you need (such as paramedical or vision) and follow the steps to submit.

Haven’t yet signed up for direct deposit or online claims? Please take a few minutes to register now. You will need your contract number and member ID number. Find them on your coverage card, your claim statement or your new plan-member welcome letter.

If you don’t see Submit a claim, you can’t submit a claim online. Go back to the previous screen and choose I want to submit a paper claim.

If you have more questions about submitting a claim online, contact your plan administrator. Or call us at 1-800-361-6212 Monday to Friday, 8 a.m. to 8 p.m. ET. Or sign in to mysunlife.ca to send us a secure message.

Register before you download:

Haven’t yet signed up for direct deposit or online claims? Take a few minutes to register now. You’ll need your contract number and member ID number. Find them on your coverage card, your claim statement or your new plan-member welcome letter.

If you're already registered:

To submit and track claims through my Sun Life Mobile, download the app for iPhone and Android devices:

Google Play is a trademark of Google Inc. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Your pharmacist or dentist may submit some claims directly to us for you. All you need to do is show your coverage card.

To get your coverage card:

  1. Sign in to mysunlife.ca.
  2. Under Benefits, click Benefits centre.
  3. Choose Print drug card from the Take me to drop-down menu.
  4. Click the Print button at the top right-hand corner of the web page.

By downloading our mobile app, you can also use your smartphone as your coverage card.

Can’t claim for a service online? You can print a paper form with your personalized information, contract number and the mailing address for Sun Life.

To get your claim forms:

  1. Sign in to mysunlife.ca.
  2. Under Benefits, click Benefits centre.
  3. Choose Submit a claim from the Take me to menu.
  4. Choose Claim form from the list.
  5. Choose the PDF claim form you need and fill out your claim information online. Or print and fill it out by hand.
  6. When you’ve finished filling out the form, sign it, attach all original receipts and mail it to the address on the form.

Co-ordinating your claim with spouse or partner’s benefits plan

Are you claiming under both your and your spouse’s or partner’s workplace benefits plans (a “co-ordination of benefits” claim)?

If you’re submitting your claim to Sun Life first:

  • Remember to send us a signed claim form and the original receipts.

If you’re submitting your claim to Sun Life second:

  • Remember to send us a copy of the claim statement from your spouse’s or partner’s insurance provider.

If you need help submitting your claim, contact your plan administrator. Or call us at 1-800-361-6212 Monday to Friday, 8 a.m. to 8 p.m. ET. Or sign in to mysunlife.ca to send us a secure message.

Generic group claim forms:

If your employer or organization doesn’t offer personalized claim forms, you can get the most popular non-personalized group claim forms.

To check status of a claim:

  1. Sign in to mysunlife.ca.
  2. Click My claims.
  3. Under View a claim statement click Recent claims.
  4. If you’re waiting for us to pay a claim, click In progress to see what stage it’s at.

Not registered yet? Take a few minutes to register now. You can also call the Customer Care Centre at 1-800-361-6212, Monday to Friday, 8 a.m. to 8 p.m. ET. Please have your coverage card ready.

To get your coverage card:

  1. Sign in to mysunlife.ca.
  2. Under Benefits, click Benefits centre.
  3. Choose Print drug card from the Take me to menu.
  4. Click the Print button at the top right-hand corner of the web page.

For life insurance or accidental death and dismemberment (AD&D) claims:

Call us at 1-800-361-2128 Monday to Friday, 8 a.m. to 8 p.m. ET.

For critical illness insurance claims:

Call us at 1-800-669-7921 Monday to Friday, 8:30 a.m. to 5 p.m. ET.

For disability insurance claims:

Call us at 1-800-361-6212 Monday to Friday, 8 a.m. to 8 p.m. ET.

Are you with the Public Service Health Care Plan (PSHCP) or the Pensioners’ Dental Services Plan (PDSP)? Then call 1-888-757-7427 Monday to Friday, 6:30 a.m. to 8 p.m. ET.