Submit a benefits, health or dental claim

If this the first time you’re submitting a claim online, you’ll need to add your banking information for direct deposit reimbursements. 

Here’s how you do it:

• Sign in to my Sun Life on the web.
• Select the ‘Benefits’ tab.
• Choose ‘Benefits centre.’
• Look for the ‘Take me to’ list, and choose ‘Direct deposit and online claim statements’
• Then, choose  ‘Register’.  You’ll need your banking information and email address to get started.

If your healthcare provider lets you know that they can submit your claim directly to us, you’ll need to show your coverage card.

You can use the my Sun Life mobile app on your smartphone as your coverage card. You’ll find it under the ‘Benefits’ tab labeled as ‘Coverage Card’.

Print your coverage card:

• Sign in to my Sun Life on the web.
• Under the ‘Benefits’ tab, you’ll find the ‘Coverage card’.
• Print your coverage card.

To check the status of your claim online:

• Sign in to my Sun Life on the web.
• Go to the ‘Benefits’ tab.
• Go to "All claims". 
• If you're waiting for a claim payment, view its current status under "In progress".

Note that most claims can be submitted online, but there are still some that need a paper form to be processed. For those claims, you’ll need to print a paper claim form after you have registered and signed in to your account.

To access paper claim forms:

• For medical claims, use this form.
• For dental claims, use this form.

If you're making a claim under both your and your spouse's or partner's workplace benefits plans, follow these instructions:

• If submitting  your claim to Sun Life first, send a signed claim form and the original receipts.
• If submitting your claim to Sun Life second, provide a copy of the claim statement from your spouse's or partner's insurance provider.

To learn more, sign in to my Sun Life > Benefits centre > Coordination of benefits.

To get your claim reimbursement more quickly, sign up for direct deposit. 

Claims submitted either through the my Sun Life mobile app or through the web are usually settled promptly.

If approved, any reimbursement amount is usually deposited into your bank account within 2 business days, if you’re signed up for direct deposit. You must be signed up for direct deposit in order to submit claims through the my Sun Life mobile app. 

Others can take up to 15 business days, depending on the type of claim, your account, plan or policy.

It’s best to submit your claim as soon as possible after your service or treatment. Your plan or policy will dictate how long you have until you can no longer submit your claim. Review your plan member booklet or policy for further details.

Note that our hours of operation for submitting a medical, health or dental claim online are:

• Monday - Friday from 6 a.m. to 11:59 p.m. ET
• Saturday from 6 a.m. to Sunday 2 a.m. ET
• Sunday from 8 a.m. to 11:59 p.m. ET

Most claims can be submitted online. However, if you don't see the "Submit a claim" option within the hours of availability, it could mean online submission is not available for your claim type. In that case, choose "I want to submit a paper claim".