The benefit year runs from July 1st to June 30th.  In order to have your claims processed, Sun Life must receive your claim prior to the September 30th following the end of the benefit year in which the claims were incurred.

Your dependent must be your spouse or your child and a resident of Canada or the United States and maintaining provincial health coverage.

A spouse includes someone who is legally married to you, or your partner of the same sex or opposite sex who has been publicly represented as your spouse for at least the last 12 months.  You can only cover one spouse at a time.

A child includes unmarried children, legally adopted children, and children for whom you are the legal guardian.  This would also include your spouse’s children if your spouse has sole responsibility by decree of divorce for support and maintenance of this child.

Children will be considered dependents up to age 21, or up to age 25 in the case of a full time student wholly dependent on you for support.

If you have a child who becomes handicapped before turning 21, we will continue coverage for that child as long as they are incapable of financial self-support because of a physical or mental disability, and are unmarried and dependent on you for support.  In these cases you must notify Sun Life within 31 days of the date the child turns 21.  Please contact your HR area office for more information on this process.

Further information on eligible dependents can be found in your benefit booklet.

You can do this by completing the Extended Health and Dental Positive Enrollment Form and submitting this form to your HR Area Office.  Be sure to include all eligible dependents on this as we only keep the most recent form submitted on file.

The benefit implications for employees working beyond Age 65 are detailed in the chart found here.

You can call Sun Life directly at 1.800.361.6212 and one of their customer service representatives will set you up with a user ID and password.  Once this is set up, you can log into the My Sun Life secure site here and view a history of your claims online.  You will need your McMaster ID# and our Policy # 25018 ready when you call.

Benefit Booklets are provided for each employee group who has benefits. The benefit booklet is the official document which outlines benefit coverage.

There are other tools available, such as the Drug Lookup Tool provided on the Sun Life website (www.mysunlife.ca), that may help you with understanding whether specific items are covered.  While the Drug Lookup Tool is a convenient feature, it currently provides information about pay-direct drugs only.  Other drugs, such as vaccines which are not available through the pay-direct card and have to be submitted with a paper claim, are not included in the Drug Lookup Tool.

If you have questions about your benefit plan provisions and would like to enquire about available coverage for specific items, you can also contact Sun Life at 1-800-361-6212.  In the event of any discrepancy or inconsistency of information, the Benefit Booklets will govern.

You can call Sun Life directly at 1-800-361-6212 and one of their customer service representatives will be able to assist you in reviewing your claim history and payments.  

Hours of operation are Monday to Friday from 7am to 8pm. Be sure to have your member ID # and  policy number (25018) ready.