Submit a benefits, health or dental claim

New to submitting a claim? Here’s how to get started easily:

Register for my Sun Life 

To submit claims online, you’ll need to register for my Sun Life. That way, you can sign in to your Sun Life account to easily manage your claims, coverage and more*. 

 

Register now

 

Need help with registration?

*Available features depend on your account, contract or policy.

Get the my Sun Life mobile app

With the my Sun Life mobile app, you can easily submit your benefits, health, and dental claims and quickly check your claim status.

 

Here's how to submit a claim online fast:

  1. Sign in to my Sun Life on mobile or web.
  2. Once you sign in, you’ll be able to submit a claim under the ‘Benefits’ tab.
  3. Select ‘Submit a claim’.
  4. Select the type of claim you’re looking to submit (such as medical, dental, or vision) and then simply follow the steps to submit your claim online. 

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

How to register for direct deposit

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.

Can your healthcare provider submit claims directly to Sun Life for you?

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.

Check your claim status

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".

Submit a paper claim

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:

Coordinating your  claim with spouse or partner's benefits plan

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.

Generic workplace claim forms

If your employer or organization doesn't offer personalized claim forms, you can get the most commonly used non-personalized group claim forms here

How long does Sun Life take to process a claim?

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.

How long do I have to submit my claim after my service?

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.

Why can’t I submit my claim online?

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".

Have any specific questions about your benefits, health or dental claim?

You can send us a secure message through my Sun Life or contact us through the my Sun Life mobile app

Or, you can call us at 1-877-SUN-LIFE (1-877-786-5433) Monday to Friday, 8 a.m. to 8 p.m. ET.

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