Long-term disability (LTD) insurance

Financial protection for the long-term

A financial safety net to rely on if an illness or accident keeps you from working for a long time can spell relief. Your bills won’t wait, and you could have extra expenses to cope with during an illness. That’s why Long-term disability (LTD) insurance is ready to catch you.

LTD insurance helps if:

  • you have a mortgage to pay,
  • your family couldn’t manage without your income,
  • you have elderly parents who depend on you financially,
  • you’re a single parent,
  • you’d have to tap into your savings to pay day-to-day expenses,
  • you’d have to stop saving for your retirement or your children’s education.

How does LTD insurance make a difference?

Watch this video to learn about the important role it played in Mark’s life, as he recovered from a serious illness.

Why choose LTD insurance?

  • You get savings on the insurance you need, thanks to group pricing.
  • CAPIC members have a 30-day elimination period.
  • CAPIC employees have a 120-day elimination period.

You're eligible if you’re:

  • a CAPIC member in good standing or an employee of CAPIC
  • actively working at least 30 hours a week
  • between the ages of 18 and 64 (coverage ends on your 65th birthday minus the elimination period) and
  • a resident of Canada.

How much coverage can you apply for?

CAPIC members: Coverage ranges from $500 to the maximum of $5,000 (based on your net annual earned income per month) in units of $250.

Employees of CAPIC: Coverage ranges from $500 to a maximum of $2,500, in units of $250.

Use the table below to find your annual income and the matching maximum monthly benefit.

Annual income Monthly benefit amount Eligibility

Up to $10,000


Member & Employee

$10,001 - $15,000


Member & Employee

$15,001 - $20,000


Member & Employee

$20,001 - $25,000


Member & Employee

$25,001 - $30,000


Member & Employee

$30,001 - $35,000


Member & Employee

$35,001 - $40,000


Member & Employee

$40,001 - $45,000


Member & Employee

$45,001 - $50,000


Member & Employee

$50,001 - $57,500


Member Only

$57,501 - $65,000


Member Only

$65,001 - $72,500


Member Only

$72,501 - $80,000


Member Only

$80,001 - $90,000


Member Only

$90,001 - $100,000


Member Only

$100,001 - $110,000


Member Only

$110,001 - $120,000


Member Only

$120,001 - $130,000


Member Only

$130,001 - $140,000


Member Only

Extra advantages

  • Waiver of premium: if you’re totally disabled1 before you turn 652 and your claim is approved, premiums will be waived while receiving Long-term disability benefits.

What’s the cost?

Our rate sheets can provide you with a quick estimate.

Find out more

Read the full descriptions, limitations and any exclusions in your plan booklet.

When does coverage end?

Coverage ends on your 65th birthday, minus the elimination period. It also ends if you’re no longer receiving appropriate medical treatment and are no longer totally disabled.

Take these three steps to apply:

Medical underwriting is required.


Sun Life will not pay benefits for any period:

  • you are not receiving appropriate treatment.
  • you do any work for wage or profit except as approved by Sun Life.
  • you are not participating in an approved partial disability or rehabilitation program, if required by Sun Life. 
  • you are on a leave of absence, strike or lay-off except as stated under Maternity / parental leave of absence or except where specifically agreed to by Sun Life. 
  • you are absent from Canada longer than 4 months due to any reason, unless Sun Life agrees in writing in advance to pay benefits during the period.
  • you are serving a prison sentence or are confined in a similar institution.

Sun Life will not pay benefits for total disability resulting from:

  • the hostile action of any armed forces, insurrection or participation in a riot or civil commotion.
  • intentionally self-inflicted injuries.
  • participation in a criminal offence.

This website is intended only as an outline of the insurance policy, which is available upon request. The complete terms, conditions, exclusions and limitations governing the insurance coverage are found in the group insurance policy issued by Sun Life Assurance Company of Canada. The policy can be obtained by calling Sun Life at 1-800-669-7921, Monday to Friday from 8 a.m. to 8 p.m. ET or emailing servicecsc@sunlife.com.

1You will be considered totally disabled:

  • during the first 24 months while you are continuously unable due to an illness to perform the essential duties of your regular occupation, and
  • afterwards while you are continuously unable due to an illness to perform any occupation, for any employer, for which you are or may become reasonably qualified for by education, training or experience and are not engaged in any gainful occupation.After 24 months, you are considered totally disabled if illness or injury prevents you from working at any occupation (this definition changes if you purchase the own occupation rider) for which you are qualified by education, training or experience, you are under the regular care of a physician and are not gainfully employed elsewhere except as permitted under the work Rehabilitation program.

2 If you’re totally disabled for a full 90 days before age 65 and receiving LTD benefits, you don’t have to pay LTD premiums if you remain totally disabled.


Call us at 1-800-669-7921
Mon to Fri 8:00 a.m. to 8:00 p.m. ET

Sun Life Assurance Company of Canada is the insurer of this product, and is a member of the Sun Life group of companies.