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We know that time and money are important to business owners like you. That's why we created SunAdvantage.

 

Available exclusively to small businesses with three to 49 employees, SunAdvantage gives you a simple, affordable, hassle-free way to help attract and retain employees by including a group benefits plan in their compensation package.

 

SunAdvantage is both economical and easy to set-up and administer, offering protection against unexpected health events. You can choose from a range of optional benefits that allow you to tailor the plan to your specific business needs and budget. This makes it simpler than ever to give employees an added incentive to join and stay with your company. And our mobile and e-Services for plan administrators and plan members sets the SunAdvantage program apart from all the others.

Why SunAdvantage?

  • Potential for higher employee satisfaction, loyalty and productivity and lower employee turnover.
  • Choose the coverage you want to include at a price you can afford.
  • We take care of most of the details so you spend less time on plan administration.
  • Employee support via our Client Care Centre (CCC), mysunlife.ca, and the my Sun Life mobile app.
  • Quick, accurate claims payment to employees' bank accounts, usually within 48 hours.

SunAdvantage products and services

Mandatory Insurance

Life, Accidental Death and Dismemberment (AD&D), and Dependent Life are required parts of the SunAdvantage package.

Life insurance

 

Life insurance provides basic financial protection to an employee’s beneficiary if the employee dies. Most plans provide life insurance in multiples of the employee's salary, or as a flat amount.

Accidental Death and Dismemberment (AD&D)

AD&D pays an additional benefit if an employee dies, loses a limb, is paralyzed or loses hearing, speech or sight from an accident.

 Dependent life

 

Dependent life insurance provides financial protection to an employee if his or her spouse or child dies. The insurance is provided as a flat amount.

Optional Insurance

This benefit helps employees and their dependants pay for necessary medical expenses that aren't covered by their provincial plan. Employees can choose an annual deductible and/or a reimbursement level for drugs.

Extended Health Care coverage includes:

  • Lumino Health Virtual Care
  • Best Doctors
  • prescription drugs
  • semi-private hospital accommodation
  • medical services and equipment, including private duty nursing, ambulances, laboratory tests, artificial limbs, hearing aids, and other items
  • professional Health Services (up to an annual maximum amount), covering certain licensed paramedical specialists, such as chiropractors, podiatrists, psychologists and registered massage therapists (RMTs)
  • Medi-Passport emergency travel assistance, which includes doctors' services, hospital expenses, emergency medical transportation and family support services, when employees travelling out of the province or country have a medical emergency
  • vision care is an optional add-on that helps pay for the cost of prescribed contact lenses and eyeglasses

Preventive and diagnostic treatment, such as examinations, X-rays and cleaning:

  • Basic coverage for fillings, root canals, extractions and gum surgery.
  • Optional major coverage for crowns and bridges (minimum of five plan participants is required).
  • Orthodontic (braces) coverage (minimum of 10 plan participants is required).

Short-Term Disability (STD) insurance provides partial replacement of lost income if an employee is temporarily unable to work. It covers injuries and illnesses not related to work, and bridges the period until the employee is able to return to work or until long-term disability benefits start.

Long-Term Disability (LTD) insurance assures financial assistance if an employee cannot work for an extended period of time. It supplements disability benefits available from government programs, such as the Canada or Quebec Pension Plan and Workplace Safety and Insurance Board.

No one plans to get sick. But the reality is people do.

Optional Critical Illness Insurance (CII) provides a one-time, lump-sum payment1 if an employee is diagnosed with a covered critical condition – such as cancer, heart attack or stroke – and survives a specified period of time (usually 30 days). Optional CII is available alongside any other benefits you may already provide to your employees… at no cost to you!

How an employee spends this money is completely up to them. They can cover everyday expenses, pay for medical treatment, modify their home – the choice is theirs. They could even use the benefit to supplement income if a loved one needs to take time off work to care for them.

We have a team dedicated to supporting your voluntary benefits needs. Please contact Voluntary benefits for more information about Optional Critical Illness Insurance.

Optional Life Insurance is available over and above any coverage you may already provide to your employees. This optional additional coverage allows your employees to tailor their coverage to meet their unique needs.  

You can use your group buying power to make coverage available to all of your employees and their spouses, as long as they are Canadian residents under the age of 65.

Optional Life Insurance pricing is based on age, gender, smoking status and the amount of coverage and usually costs employees less than stand-alone insurance products.

We have a team dedicated to supporting your voluntary benefits needs. Please contact Voluntary benefits for more information about Optional Life Insurance.

Health Coverage Choice - Extended Health Care Insurance is available for employees who retire, or leave their workplace or group retiree plan for
any reason.

Employees can enrol for coverage, without having to submit proof of good health, within 60 days of their group coverage ending. There’s no need for a medical exam, and no appointment is necessary.

How much does it cost and how do employees get it?

Getting a quote or enrolling is easy. Employees can visit Health Coverage Choice or call 1-877-893-9893 for product details, to get a quote and apply for coverage. Licensed financial services consultants (registered as financial security advisors in Quebec) are available by phone Monday to Friday,
8 a.m. to 8 p.m. ET.

1 Diagnosis of a critical illness must occur after the effective date of coverage and the employee must complete a survival period (usually 30 days).