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Supplemental Health benefits can close coverage gaps and ease medical plan decision-making
Jenn RobbinsDirector, Field Enrollment
Ted PhillipsDirector, Digital Center of Excellence
Bryan BurkeDirector, Voluntary Products
July 30, 2020Webinar will start at 2 p.m. ETA recording and a copy of the slides will be sent to attendees.This webinar has not been approved for potential Clients and policyholders in AZ, GA, NM, OR, WA, WY.
Introduction
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Marc WarringtonSVP, Group Distribution
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Medical deductibles for families have grown 162% in the past 10 years, compared to a 20% growth in workers’ earnings.
Marc WarringtonSVP, Group Distribution
How Supplemental Health plans can close coverage gaps, introduce Sun Life’s Hospital Indemnity plan
How Supplemental Health plans can ease medical plan decision-making
Virtual enrollment strategies in a digital world
Bonus segment: Connect the dots to your medical plan with Maxwell Health
Agenda
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Jenn RobbinsDirector, Field Enrollment
Ted PhillipsDirector, Digital Center of Excellence
Bryan BurkeDirector, Voluntary Products
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Medical deductibles for families have grown 162% in the past 10 years, compared to a 20% growth in workers’ earnings.
Considerations to help you get the most from this webinar
• What is your medical plan’s deductible? Out-of-pocket maximum?
• What are your health and wellness goals?
• Could your preferred medical plan be made more attractive if a Supplemental Health plan was offered in addition to it?
• How do you manage cost-sharing discussions today?
Marc WarringtonSVP, Group Distribution
6
Bryan BurkeDirector, Voluntary Products
Supplemental Health plans can close coverage gaps
Healthcare spending
To manage healthcare spending for the company and employees, do you…?
Provide incentives for employees to choose a favored health plan?
Change the health plan?
7
8
Cancerpays benefits
for the treatment of
cancer
Hospital Indemnity pays benefits for inpatient
stays
Accidentpays benefits for the treatment of
an accident
You can help employees close coverage gaps Add Supplemental Health plans to your Medical conversations
Product offerings may not be available in all states and may vary depending on state laws and regulations. The group insurance policies described in this advertisement do NOT provide basic hospital, basic medical, or major medical insurance.
Critical Illness/ Specified Disease
pays lump-sum for covered diagnoses
MedicalSupplement your Client’s medical plan with coverages that increase
employee financial protection
Mind the Gap: Do Employers understand Employees’ Benefits Perspectives – LIMRA 2018
80% 78%73%
68%
60%
38%33%
28% 26%22%
18%14%
Cancer Hospitalindemnity
CI LTCI Accident LTD STD Life Vision Dental Retirementplan
Medical
Employees who don’t have access to these benefits rank their importance highlyPercentage of employees who think a benefit is important who do not have access to the benefit
Based on employees who consider a given benefit moderately/very important
9
STANDARD PLAN DESIGN LOW HIGH
First Day Hospital – 1 day per year $1,000 $2,000
Hospital Confinement – Up to 30 days per year $100/day $200/day
ICU Confinement – Up to 10 days per year $100/day $200/day
Rehabilitation Unit – Up to 60 days per year $100/day $200/day
Extended Hospitalization benefit – Pays after 10 days of continuous Hospital/ICU confinement
$100/day $200/day
Wellness Screening benefit $50 $50
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Standard plan pays benefits for hospital confinements due to accident, sickness, mental and nervous conditions, substance abuse, routine pregnancy, complications of pregnancy and newborn complications
Extended Hospitalization benefit: Covered employees and dependents with Hospital/ICU confinements of 10 consecutive days or more receive additional benefits
First Day, Hospital Confinement, and ICU benefits are all paid on the same day. Rehabilitation Unit confinement benefits are not payable on the same day as Hospital or ICU confinement benefits, and are not eligible for the Extended Hospitalization benefit. Plans may include a pregnancy waiting period or pre-existing conditions limitation. For groups with fewer than 26 employees, either low or high plan is offered and a pre-existing conditions limitation applies.
Pays benefits that can help with out-of-pocket medical expenses related to hospital confinements
Introducing Sun Life Hospital Indemnity Insurance
Benefits are paid in cash directly to the Members to save or use to pay for hospital stay and related expenses, health plan deductible and other out-of-pocket costs.
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Confinement day Confined to Benefit
Day 1 ICU First Day, ICU, Hospital
Day 2 ICU ICU, Hospital
Day 3 ICU ICU, Hospital
Day 4-12 Hospital Hospital
Low Plan pays $3,700
Benefit Days Amount
First Day Hospital 1 $1,000
ICU confinement 3 $300
Hospital confinement 12 $1,200
Extended Hospitalization
12 +$1,200
High Plan pays $7,400
Benefit Days Amount
First Day Hospital 1 $2,000
ICU confinement 3 $600
Hospital confinement 12 $2,400
Extended Hospitalization
12 +$2,400
How Hospital Indemnity can help an employee
Example: John is confined to the hospital for 12 days. He spends 3 days in the ICU before being transferred to a regular room.
How Accident insurance can help a family
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COVERED BENEFITS BENEFIT SCHEDULE
Ambulance ride to hospital $200
Emergency room or urgent care visit $150
X-ray $30
Diagnosis of leg fracture (closed reduction) $1,000
Medical device (crutches) $125
Follow-up visit (2 visits) $50
Physical therapy (6 visits) $150
Total payments received from Sun Life Accident policy $1,705
CONCLUSIONThis family receives over $1,700 to help pay their deductible–without having to rely solely on savings.
Illustration is for hypothetical use only. Covered benefits shown represent hypothetical payments from the Accident insurance plan only. They do not represent payments from a health insurance plan.
ASSUMPTIONJunior breaks his leg while playing in a game for his high school basketball team.
His family has a high deductible health plan (HDHP) with no money yet saved in their Health Savings Account.
Accident
Benefits Paid
1. Accidental Death 13%
2. Emergency Room 11%
3. Hospital Confinement 10%
4. Hospital Admission 6%
5. Diagnostic Exam & Testing 4%
6. ICU Confinement 4%
7. Physician follow-up Tx 4%
8. Medical Devices 3%
9. Physical Therapy 3%
10. Non-Emergency Room Tx 3%
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Claims Submitted
1. Physician follow-up treatment 22%
2. Physical Therapy 18%
3. Emergency Room 12%
4. X-ray 6%
5. Diagnostic Exam & Testing 5%
6. Medical Devices 4%
7. Prescription Drug 2%
8. Ambulance Ground 2%
9. Hospital Confinement 1%
10. Hospital Admission 1%
The Top 10account for
62% of
Benefits Paid
The Top 10account for
83% of
Claims Submitted
Incidence Rates
2018-2019 Sun Life claims data
How Critical Illness* insurance can help an employee
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COVERED CONDITION BENEFIT
Wellness Benefit: blood test for cholesterol $50
Heart attack: 100% $10,000
Recurrent heart attack: 100% $10,000
Coronary artery bypass graft: 25% $2,500
Total: $22,550
CONCLUSIONThis employee receives over $22,000 so she can focus more on recovery, and less on finances.
Illustration is for hypothetical use only. Covered benefits shown represent hypothetical payments from the Critical Illnessinsurance plan only. They do not represent payments from a health insurance plan.*May also be referred to as Specified Disease.
ASSUMPTION
Denise suffered a heart attack due to a blocked artery. After she filed a claim, she received a check for her benefit amount. Unfortunately, Denise suffered another heart attack 2 years later and needed surgery. Luckily, Denise had Sun Life Critical Illness insurance with a Recurrence Benefit.
Did you know?Sun Life’s Critical
Illness benefits can pay up to $40,000 (for
groups >100 lives)
Critical Illness
Claims submitted
1. Cancer 53%
2. Heart Attack 21%
3. Stroke 10%
4. Coronary Artery Bypass Graft 10%
5. Kidney Disease 3%
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The Top 5Diagnoses
account for 84% of Claims Incidence
Incidence Rates
2018-2019 Sun Life claims data
How Cancer insurance can help an employee
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CONCLUSIONThis employee receives over $23,000 so she can focus more on recovery, and less on finances.
*Wellness Benefit is payable once per covered person, per contract year. May not be available in all states.Illustration is for hypothetical use only. Covered benefits shown represent hypothetical payments from the Cancer insurance plan only. They do not represent payments from a health insurance plan.
ASSUMPTIONBeth was diagnosed with breast cancer and had no previous history of cancer. She lives more than 100 miles from the site of her treatments. Luckily, Beth had Sun Life Cancer insurance.
Did you know?A recent study shows that cancer patients spend 11% of their
household income on expenses related to their
cancer treatments.
Even Insured Patients Are Overwhelmed By The Cost Of Cancer Care,” Duke University study, www.forbes.com,
August 2017.
PROCEDURELevel 2
BENEFIT SCHEDULE
Cancer Screening* $75
Second Surgical Opinion $200
Medical Imaging $100
First Occurrence $5,000
Needle Biopsy $150
General Anesthesia, Needle Biopsy $50
Lumpectomy $300
General Anesthesia, Lumpectomy $100
External Radiation Therapy (6 weeks) $3,600
Chemotherapy (6 months) $12,000
Anti-nausea medication (6 months) $600
Post-hospital doctor visits (2 per year/5 years) $250
Transportation (2 round trips) $1,000
Total $23,425
Cancer Insurance
Benefits Paid
1. Radiation and Chemotherapy 38%
2. First Occurrence 18%
3. Hospital Confinement 14%
4. Surgery and Anesthesia 10%
5. Cancer Screening 8%
6. Skin Cancer 2%
7. Outpatient Surgery 1%
8. Prosthesis 1%
9. Physician Office Visit 1%
10. Transportation 1%
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Claims Submitted
1. Cancer Screening 46%
2. Radiation and Chemotherapy 20%
3. Surgery and Anesthesia 10%
4. Physicians Visits 4%
5. Anti-nausea medication 3%
6. Hospital Confinement 3%
7. Medical Imaging 3%
8. Skin Cancer 3%
9. Outpatient Surgery 2%
10. First Occurrence 1%
Incidence Rates
The Top 10account for
94% of Claims Incidence
2018-2019 Sun Life claims data
How Supplemental Health plans can ease medical plan decision-making
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Bryan BurkeDirector, Voluntary Products
We took average out-of-pocket costs for four common medical plans:
HMO PPO 1 PPO 2 HDHP
This helped determine which plans our products fit best with.
Bob is an employee and an avid DIYer. He is enrolled in a PPO2 plan, and also has Sun Life Accident insurance.
Meet Bob.
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Ligament strain with one day in the hospital
$2,675 benefits paid for
• emergency treatment • a diagnostic exam• a medical device
Our members cost
Without Acc. insurance -$740 -$1,612 -$2,926 -$3,977
With Accident insurance + $1,935 + $1,063 -$251 -$1,302
Accident insurance reduced out-of-pocket costs by
HMO HDHPPPO1
Annual deductible limit met
PPO2
Annual deductible limit met
• physical therapy visits • follow-up office visits• hospital
$6,977Healthcare providers costs
91% 68%
For illustration purposes only, based on national averages. No costs or benefits are binding. 21
What if Bob had a devastating sports injury?
Our members cost
Healthcare expenses, lost wages and non-medical annual premiums
$10,548 $11,498 $15,848 $15,848
With STD only $4,746 $5,696 $10,316 $10,316
With STD and Accident insurance + $1,784 + $834 $3,516 $3,516
PPO1 PPO2 HDHP
STD and Accident insurance reduced out-of-pocket costs by
$12,332 benefits paid for
• lost wages• emergency treatment • diagnostic exams• a medical device• multiple leg fractures
• tendon repair
• physical therapy visits • follow-up office visits• ambulance• dislocated ankle• hospitalized for multiple days• 56% Accident 44% STD
Out-of-pocket max met Out-of-pocket max met Out-of-pocket max met
$45,282Healthcare providers costs
114% 66% 66%
HMO
For illustration purposes only, based on national averages. No costs or benefits are binding. 22
Jill’s total healthcare (PPO2) expenses for the year were $22,291 after being diagnosed with stage II breast cancer. In addition to Critical Illness insurance with Sun Life, Jill also has Short-Term Disability insurance paid for by her employer.
Meet Jill.
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$7,869 annual PPO cost with a $2,000 individual deductible for the family plan
$6,350 out-of-pocket treatment costs (also her annual out-of-pocket individual max)
$5,814 lost income after missing six weeks of work and using one week of PTO
$1,843 contributions to her HSA during the year
$415 annual premium for Critical Illness
her cost for one plan year
Healthcare expenses, lost wages, and all annualinsurance premiums
$35,933 $17,336 $20,448 $19,807
Enrolled
PPO1 PPO2 HDHPHMO
cash benefits received
HSA contribution from her employer& tax savings from employee pre-tax contributions
not allowed not allowed $1,390
Short Term Disability benefit payments $3,488
Critical Illness Insurance benefit payments $15,000
Jill’s personal financial impact
With Critical Illness and STD insurance - $17,445 + $1,152 - $570 + $70
Without Critical Illness and STD insurance - $35,933 - $16,921 - $18,643 - $18,003
Stage II Breast Cancer with Critical Illness and STD insurance
Her total net health related costs for the year are $570 with Critical Illness and STD
For illustration purposes only, based on national averages. No costs or benefits are binding. 24
her cost for one plan year
Healthcare expenses, lost wages, and all annualinsurance premiums
$35,933 $17,336 $20,448 $19,807
Enrolled
PPO1 PPO2 HDHPHMO
cash benefits received
HSA contribution from employer & tax savings from employee pre-tax contributions
not allowed not allowed $1,390
Short Term Disability benefits paid $3,488
Cancer Insurance benefits paid $33,295
Jill’s personal financial impact
With Cancer and STD insurance - $850 + $19,447 + $17,725 + $18,365
Without Cancer and STD insurance - $35,933 - $16,921 - $18,643 - $18,003
60% of costs were from lost wages and
out-of-pocket medical bills
with Cancer and STD she received $36,783 from Sun Life fully covering all of her health related expenses for the year
Stage II Breast Cancer with Cancer and STD insurance
For illustration purposes only, based on national averages. No costs or benefits are binding. 25
Why would someone need more money than just covering their expenses?
• Future lost wages and insurance premiums
• Alternative therapies, drugs and treatment
• Child or adult care
• Home and auto repairs or other debt
• Living ones best possible life
• Out-of-network care and balance billing
Analysis done by Sun Life. Estimated costs savings derived from current national averages for eligibility and participation, employer and employee premium contributions, actual medical plans and associated costs for 2019 enrollment, ideal provider costs and allowable expenses for all treatment, HSA balances and contributions from both employers and employees, optimum duration guidelines for missed days of work due to disability. Sources include Healthcare Blue Book, TriNet, AHIP, SHRM, Mercer, Milliman, Kaiser Family Foundation and The Medical Disability Advisor. Assumes all other family members only received routine care during the year. You may experience different results. This is not advice.
Reduction in out-of-pocket medical costs with our products
Supplemental health products fit best with medical plans that have
INJURY
moderate
100% +
77% 60%
debilitating 91% 68%
critical 60% 66%
SICKNESS critical 100% +
PPO 2000
HMOPPO 1000
HDHP
When more than just routine care is needed.
Protecting lost income due to an injury or sickness is always important, as is helping our client’s families when they are no longer there to support them.
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✓ an annual out-of-pocket maximum $2,000 or more
✓ co-insurance of 80% or less
✓ and an annual deductible of$1,000 or more
Healthcare spending
To manage healthcare spending for the company and employees, do you…? Provide incentives for
employees to choose a favored health plan?
Change the health plan?
28
Looking ahead
29
Bryan BurkeDirector, Voluntary Products
Virtual enrollment & communication strategies in a digital world
30
Jenn RobbinsDirector, Field Enrollment
Virtual meetings
What can Sun Life do for you?
• Create custom meeting rooms for each client
• 1:1 and group meetings with employees
• Waiting room feature to ensure private sessions
• Multiple meetings or rooms can be running simultaneously for large clients
• Benefit Counselors are trained on benefits and technology so they are prepared for on camera interactions
• Sign up electronically! Sun Life will work with your client to get employees signed up for meetings
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Vir
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Enrollment landing page for Clients
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Customized client landing page
Scheduling tools for employees
Email and calendar reminders
Live webinar and Q&A
Employee access throughout the enrollment
Vir
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Sun Life Telephonic Enrollment
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Sun Life offers a telephonic solution with an emphasis on quality enrollment support tailored to unique solutions. We deploy Sun Life’s Benefit Counselor expertise over the phone which allows us to provide our client’s with an individualized enrollment experience.
Each event is staffed with a Sun Life Benefit Counselor who is trained on your client’s specific enrollment details.
Employees can speak 1:1 with a Benefit Counselor who can enroll the employee and capture a verbal signature
We also support Q&A for employees who will be self-enrolling but need help understanding their benefits
Feel secure in our conversations! Recordings are always made in case we need to reference them later.
We can offer the same support and quality
work as onsite BCs but over the phone through
an individualized enrollment experience.
Vir
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For groups with 50-1,000 employees
Connect the dots to your medical plan with Maxwell Health
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Ted PhillipsDirector, Digital Center of Excellence
Maxwell HealthThe magic of one company Maxwell Health is a robust, easy-to-
use benefits administration technology platform that makes managing employee benefits simple and effective. It’s the first integrated, carrier owned and distributed technology platform for the small-to-midsize business market (50-1,000 lives).
✓ User-friendly
✓ Full-service implementation and renewal services
✓ Internal team of experts remove your HR burden from sold case to renewal
Automated plan design setup with integrated
internal systems
Sun Life builds the platform
Integrated Evidence of Insurability (EOI)
Automated enrollment and eligibility
Innovation: insurance carrier and technology as one
Sun Life builds the platform and takes the work off of your plate
● One setup process, one implementation contact, one bill for Sun Life insurance and technology● Experts handle the technology and the platform handles the benefits administration so you can focus on your
day-to-day work: managing your employees
Automated plan design setup with integrated internal systems
● Auto-caseload technology that builds the plans with a touch of a button● Expect fewer errors on initial setup because a human isn't keying in plan, rates and structures which leads to
fewer issues with billing, claims and ongoing benefits administration
Automated enrollment and eligibility
● Sun Life’s Maxwell platform is integrated into internal systems that allow connections to be set up in 7-10 days● If any issues occur with connections there is one contact to resolve both the product and the platform
Integrated Evidence of Insurability (EOI)
● Integrated internal systems allow for a seamless EOI process
Innovation: insurance carrier and technology as one
● Shared goals for insurance and tech and greater insight into data produces actionable insights to build on and create technology that better serves you
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04
02
01
03
Innovation: Insurance carrier and technology as one
OUR PLATFORM PROVIDES THE TOOLS TO HELP EMPLOYEES UNDERSTAND THEIR BENEFITS
● Supplemental Health educator
● Wellness benefit educator
● View and compare benefit plans
● Spanish translation
Supplemental Health educatorHow does it work?
This built-in educator tool reviews key details on the medical plan an employee selects and highlights helpful financial considerations to keep in mind.
Supplemental health benefits are a huge factor in helping bridge the financial gap, if the unexpected should happen, we’ll help educate employees so they can feel better prepared.
This tool helps employees connect the dots between their medical benefits coverage and supplemental health offerings.
For more information on Maxwell’s out-of-pocket educator check out the blog here
Wellness benefit educator
How does it work?
This tool helps employees by
As employees enroll in a Sun Life Critical Illness or Accident plan in Maxwell, we’ll highlight the easy-to-access, built-in wellness benefit that may help offset an employee’s costs of the benefit while they ensure they have the coverage protection they needfor their family.
✓ Highlighting when a wellness benefit is part of a Sun Life Critical Illness or Accident plan offered to an employee
✓ Spotlighting the wellness benefit payout amount
✓ Providing a personalized illustration of the wellness benefit
✓ Giving simple guidance on how to redeem the wellness benefit
✓ Directing the employee on where to go to access the claim form when they need it
View and compare plans
Side-by-side views for Medical, Dental and Vision benefits in Maxwell allow employees to compare plan details and costs across all the plans they’re offeredin a more straightforward, and mobile-friendly way.
Spanish language translation How does it work?
For more information on Maxwell’s out-of-pocket educator check out the blog here
Maxwell’s Spanish translation feature uses a powerful combination of expert human translators and machine intelligence to provide a better benefits experience for your Spanish-speaking employees and their families.
We know how complex benefits language can be at times, which makes it challenging to translate the information correctly.
We know that HR teams don’t have unlimited resources. That’s why Maxwell made it easy for employees to select their language within the Maxwell experience - with no additional set up needed on your end.
Maxwell Mobile AppEmployees can easily shop for their benefits and access them ongoing throughout the year, directly in the app!
Manage all the same great benefits information you see online in Maxwell, straight from your phone.
View benefits on-the-goEmployees can continue to
access coverage details for all of
their benefits on Maxwell.
Full financial view of benefitsWith all the benefit details
included in the app, employees
can continue to keep a pulse on
benefit costs from wherever
they are.
Shop for benefitsWhen it’s time for enrollment,
employees can choose and
enroll in benefits quickly and
simply right from the mobile
app.
Make changes to benefitsEmployees can use the app to
make important updates to
benefits when life events
happen, like getting married or
having a baby.
Maxwell promotion: No 2020 PEPM charge!
What are the requirements to be eligible for this promotion?
• All new and existing Sun Life Clients that choose to add Maxwell with an effective date on or
before 1/1/2021
• The group must have 1 line of qualified Sun Life coverage
This offer is not available in New York and Washington. Other state restrictions may apply.
Beginning May 18, 2020 we’re offering to waive the PEPM platform charge for all joint Maxwell Health and Sun Life Clients sold through 1/1/2021 effective dates!
● For existing Clients, the PEPM fee waiver will remain in effect through their next renewal date.
● For new Clients with effective dates on or before January 1, 2021, the PEPM fee waiver will remain in effect for one year from the effective date.
● When the waiver period ends, the broker or employer will be charged based on our then current pricing structure.
Questions?JOIN US FOR OUR NEXT WEBINAR
Legislative update: The latest on COVID-19 relief and the upcoming election
Date: Thursday, August 6
Time: 2:00 – 2:45 p.m. ET
Place: Live webinar
Updates on federal COVID-19 legislation
• Paycheck Protection Program changes
• Business liability protection
• COBRA subsidies
• Tax credits for Personal Protective Equipment
The state of the 2020 election
• House and Senate races to watch
• Key states for the presidential election
Visit us at sunlife.com/coronavirus
In summarySupplemental Health benefits can close coverage gaps and ease medical plan decision-making
We can help you engage, educate and enroll employees virtually this year
Our 24/7 benefits administration platform, Maxwell Health, has educator tools to help connect the dots to your medical plan
Please contact your Benefits Consultant or Sun Life Employee Benefits Representative or Client Relationship Executive to learn more.
These are limited benefit policies. They do NOT provide basic hospital, basic medical, or major medical insurance. They are not Medicare Supplement policies. The certificates have 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 any rider, if applicable, may not be available in all states and may vary based on state laws and regulations.
They do not constitute comprehensive health insurance (often referred to as “major medical coverage”) and do not satisfy the requirement for Minimum Essential Coverage under the Affordable Care Act.
In some states, “Critical Illness” is referred to as “Specified Disease.”
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 93P-LH, 98P-ADD, 07-SL REV 7-12, 07P-LH-PT/07C-LH-PT, 01P-ADD-PT/01C-ADD-PT, GP-A, GC-A, 12-GP-01, 15-GP-01, 12-DI-C-01, 16-DI-C-01, 13-SD-C-01, 13-SDPort-C-01, 12-AC-C-01, 12-ACPort-C-01, 16-AC-C-01, 16-ACPort-C-01, 13-ADD-C-01, 13-ADDPort-C-01, 15-ADD-C-01, 12-GPPort-P-01, 12-STDPort-C-01, 16-SD-C-01, 16-SDPort-C-01, 16-CAN-C-01, 16-CANPort-C-01, 15-LF-C-01, 20-HI-C-01, 20-HIPORT-C-01 , 15-LFPort-C-01, 16-DEN-C-01, 16-VIS-C-01, TDBPOLICY-2006, and TDI-POLICY. In New York, group insurance policies are underwritten by Sun Life and Health Insurance Company (U.S.) (Lansing, MI) under Policy Form Series 15-GP-01, 13-GP-LF-01, 13-LF-C-01, 13-GP-LH-01, 13-ADD-C-01, 12-DI-C-01, 16-DI-C-01, 13-LTD-C-01, 13-STD-C-01, 06P-NY-DBL, 07-NYSL REV 7-12, GC-A, GP-A, 12-GP-SD-01, 13-SD-C-01, 13-SDPort-C-01, 12-GP-01, 12-AC-C-01, 12-ACPort-C-01, 12-GPPort-01, 13-LFPort-C-01, 13-ADDPort-C-01, 15-LF-GP-01, 15-SD-GP-01, and 12-STDPort-C-01. Product offerings may not be available in all states and may vary depending on state laws and regulations. The group insurance policies described in this advertisement do NOT provide basic hospital, basic medical, or major medical insurance.
This webinar is not intended for Clients in these states: AZ, GA, NM, OR, WA, WY.
© 2020 Sun Life Assurance Company of Canada, Wellesley Hills, MA 02481. All rights reserved. Sun Life and the globe symbol are trademarks of Sun Life Assurance Company of Canada. Visit us at www.sunlife.com/us
GVMPPPT-5171-e-July30Webinar SLPC 30247 7/20 45