Sun Life disability insurance review 2024, claims, contact

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Alexandre Desoutter updated on 9 February 2024

Long-term disability (LTD) insurance is important for protecting your family's money if you get sick or injured and can't work for a long time or ever again.

With an LTD insurance policy, you could get up to 85% of your monthly pay. This helps cover your bills and take care of your family while you focus on getting better. Among the many options in the market, Sun Life disability insurance is one worth considering.

On this page, we take you through Sun Life disability insurance, its pros, cons, and more. Use our free comparator to compare Canada's best disability insurance plans, and get free quotes, so you can decide if Sun Life is truly best for you or if there's another plan that suits you better.

Sunlife disability insurance: Key takeaways

  1. Sun Life offers comprehensive long-term disability insurance.
  2. Coverage includes up to 85% of monthly income.
  3. Advisors are available to help choose the right coverage.
  4. Comparison with other plans using the HelloSafe comparator is recommended before a decision.
  5. The application process requires contacting an insurance advisor.

Who offers Sunlife disability insurance?

Sun Life is one of Canada’s largest and best-trusted insurers. It is primarily known for its life insurance products and also branches out into wealth management services. This includes health, travel, mortgage protection insurance, and more available to individuals and groups.

The company has offered insurance solutions to Canadians for more than 150 years. Today it boasts more than 2700 advisors around the country and more beyond it. This article looks at Sun Life disability insurance offerings.

Why sign up for Sunlife disability insurance?

A long-term disability insurance policy from Sun Life will:

  • Provide a monthly income for you and allow you to support your lifestyle financially in the event illness or injury prevents you from working in the future.
  • Give you the means to keep paying your mortgage.
  • Pay for day-to-day expenses.
  • Protect your savings and those of your household.

An insurance broker or Sun Life advisor can help you pick the coverage that fits your needs and profile. However, we recommend that you explore other disability insurance plans too before zeroing in on one.

Use our free comparator below to explore the best disability insurance plans in Canada, compare their coverage, and get free personalized quotes right here.

Get a free disability insurance quote

Compare insurance quotes now

Our Sun Life disability insurance review of 2024

Sun Life is a major insurance provider in Canada, but not every plan is perfect for everyone. Here is what we like about Sun Life’s disability insurance offer and what to keep in mind as you compare coverage options.

Pros of Sun Life disability insurance

  • Reputation - one of Canada's top insurance companies
  • A range of disability insurance plans is available
  • A tool for protecting you and your family financially
  • Assistance from advisors

Cons of Sun Life disability insurance

  • Requirement to speak with an advisor
  • Lack of transparency on what disability insurance plans are available on the website
  • Unable to apply online

What disability insurance plans does Sun Life offer?

Sun Life offers different types of disability insurance but unfortunately does not make its offer clear on its website. It requires you to find a local insurance advisor from its website and then contact them through an online form. This makes it a little difficult for customers to shop and compare Sun Life's disability insurance policies.

Can you get public disability insurance in Canada?

Canada provides public disability insurance, featuring Employment Insurance (EI) sickness benefits. This initiative delivers short-term financial aid to those unable to work because of health issues, injuries, or quarantine periods, acting as a supplement to other public disability aids such as the Canada Pension Plan Disability Benefit. Explore our comprehensive guide on EI Benefits in Canada for detailed information on application procedures, eligibility criteria, duration of coverage, and additional insights.

How do I apply for Sun Life disability insurance?

To apply for Sun Life disability insurance, you must reach out to an insurance advisor through their website. Before doing so, consider comparing disability insurance offers on HelloSafe's website for detailed information on disability insurance offers from other top providers like Manulife disability insurance, iA Financial disability insurance, and more.

Simply use our free comparator below and get multiple personalized quotes from Canada's best disability insurance companies. All you need to do is enter some basic information on what you're looking for, like your needs, income, age, and voila, you have quotes in no time.

Get a free disability insurance quote

Compare insurance quotes now

How much does Sun Life disability insurance cost?

Unfortunately, it is difficult to provide a price range for Sun Life disability insurance. Disability insurance pricing varies widely based on the following factors:

  • Age
  • Health
  • Occupation
  • The amount of disability coverage desired
  • The waiting period you choose

For general information, the table below summarizes the average price of disability insurance with a 90-day waiting period for various ages and coverage amounts. This is meant solely to provide a rough indication before speaking with an advisor and your pricing will vary.

Age of policyholderMonthly benefit desiredApproximate monthly price
20
$2000$19
20
$4000$39
30
$2000$24
30
$4000$48
40
$2000$50
40
$4000$102
50
$2000$62
50
$4000$126
Estimate of Sun Life disability insurance prices

Ready to get real quotes on a disability insurance plan that works for you? Use our free comparator to explore plans and get free personalized quotes from Canada's top disability insurance providers.

Get a free disability insurance quote

Compare insurance quotes now

How do I contact Sun Life disability insurance?

Need to reach Sun Life because of a policy question, claims request, or to inquire about a policy? Here's how:

Sun Life offers priority customer service to those who contact them through the "my Sun Life" mobile application. Alternatively, you may contact Sun Life by logging into its website.

How do I file a Sun Life disability insurance claim?

To file a Sunlife disability insurance claim, follow these steps:

  1. Contact Sunlife:
    • If your insurance is through an employer, call 1-800-361-6212 (Mon-Fri, 8 a.m. to 8 p.m. ET) or 1-888-757-7427 for PSHCP or PDSP members (Mon-Fri, 6:30 a.m. to 8 p.m. ET).
    • If purchased through an advisor, call 1-877-786-5433 (Mon-Fri, 8 a.m. to 8 p.m. ET) to inform them of your condition.
  2. Provide Initial Information: Share your name, policy number, date of birth, telephone number, address, and the type of illness or condition.
  3. Complete Required Forms: An advisor will guide you on the necessary forms depending on your condition. Ensure completeness, including physician contact information and your signature (or that of your power of attorney if you're unable).
  4. Submit Your Claim: Send the completed forms and any additional details via fax (1-866-487-4745), mail (Sun Life, 227 King St S, PO Box 1601 Station, Waterloo, ON N2J 4C5, Sun Code: 300A50), courier (same address), or email ([email protected]). Note the caution regarding email privacy and security.
  5. Claim Review and Decision: Sunlife will review your claim, possibly requesting further information. They will notify you of the claim decision by letter, detailing approval or providing reasons and next steps for denial.

Remember to contact Sun Life as soon as you realize you need to file a claim, provide thorough information, and keep copies of all documents submitted for your records.

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Alexandre Desoutter
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Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications.