Critical Illness and Cancer Plans*

When an employee is diagnosed with a critical illness, it can lead to new, unexpected bills (like out-of-pocket medical expenses and getting help in the home) and reduced income if treatment requires the employee to reduce hours or stop working.

A Sun Life Critical Illness plan can help lessen the impact. It pays employees cash when they need it most; it covers a wide variety of conditions; and it can fit within your portfolio of benefits.

Sun Life Financial offers three types of critical illness plans that cover a wide variety of conditions

Critical Illness Insurance pays a full or partial benefit for these covered conditions:
- Circulatory conditions category: heart attack, end-stage heart failure, stroke, coronary artery disease
- Other conditions category: benign brain tumor, coma, major organ failure, paralysis, and severe burns
- Childhood conditions category: cerebral palsy, complex congenital heart disease, cystic fibrosis, type 1 diabetes mellitus, and muscular dystrophy
Cancer-only Insurance pays a full or partial benefit depending upon the type of cancer condition: cancer or non-life threatening cancer.
Critical Illness and Cancer Insurance includes all the covered conditions above.

The maximum benefit payable is once per covered condition, up to 100% per category, 200% total benefit payable for all covered conditions in all categories.

Features common to all plans

Guaranteed Issue is available based on group size and participation
Coverage for spouse and children
Recurrence benefit rider available (subject to state availability)¹
Portable (subject to state availability)
Annual wellness screening benefit
Funding options: employee-paid, employer-paid or shared cost
Access to health care support services² for help understanding medical coverage and treatment choices and for guidance on medical bills and claims

Critical illness insurance can complement existing benefits, like health and disability insurance.* Talk with your employee benefits broker and ask how you can offer these products to your employees.

¹The certificate lists Recurrence Benefit criteria. Payable once per covered condition, up to a maximum. Does not apply for childhood conditions.

²HealthChampion^SM (health care support services) is provided by ComPsych®. It is not insurance and carries a separate charge which is added to the cost of the insurance. The cost is included in the total amount billed. Sun Life is not responsible or liable for care, services, or advice given by any provider or vendor of the Service. Sun Life reserves the right to discontinue any of the Services at any time. ComPsych® is a registered trademark of ComPsych® Corporation.

“Critical Illness Insurance,” “Critical Illness and Cancer Insurance,” and “Critical Illness, Cancer-Only Insurance” (Cancer Insurance) are limited benefit policies. They do NOT provide basic hospital, basic medical, or major medical insurance. The certificate has exclusions, limitations, and benefit waiting periods for certain conditions that may affect any benefits payable. Benefits payable are subject to all terms and conditions of the certificate. The policy, certificate and rider, if applicable, may not be available in all states and may vary based on state laws and regulations.

The above noted plan design is not available in all states. A different plan design is available in Indiana and Ohio. Critical Illness and cancer plans are not available in New York.

*Note regarding Employees Covered or Considering Coverage under Health Savings Accounts (HSA) Established in Connection with High Deductible Health Plans (HDHP):

Based on the limited available regulatory guidance, Sun Life believes its “Critical Illness Insurance,” “Critical Illness and Cancer Insurance,” and “Critical Illness, Cancer-Only Insurance” (Cancer Insurance) are appropriate for use with an HSA and may be purchased when employees and/or their family members are covered under an HDHP. However, Sun Life cannot provide legal or tax advice. If there are legal or tax questions, we suggest that employees consult their own legal or tax advisor before purchasing this insurance.

Group insurance policies are underwritten by Sun Life Assurance Company of Canada (Wellesley Hills, MA) in all states, except New York, under Policy Form Series 12-GP-01, 12-SD-C-01, 13-SD-C-01, 12-SD-R-01, and 13-SD-R-01, subject to state availability. Product offerings may not be available in all states and may vary depending on state laws and regulations. Not available in New York.

SLPC 24989 06/13 (exp. 06/15)