What is critical illness and cancer insurance?Being sick is often unexpected, and so are the costs that come with it. It can also mean lost income if you are unable to work—even if just for a short time. Sun Life’s Critical Illness and Cancer insurance pays you a benefit if you are diagnosed with a covered condition so you can focus more on your health and less on your financial health.

Critical Illness and Cancer insurance from Sun Life

How does it work?You can take steps now to protect your finances should a critical illness—including cancer—happen to you.

If you’re diagnosed with a covered condition, including cancer, you will receive a lump sum payment from Sun Life. It’s that simple. Plus, you can use this payment any way you wish—for example, to help meet out-of-pocket medical costs or help with everyday expenses.

What does it cover?It pays a full or partial benefit (up to a maximum) for a variety of covered conditions such as heart attack, stroke, cancer, benign brain tumor, and major organ failure. It also provides coverage for certain childhood conditions1 such as cerebral palsy or muscular dystrophy. Check your plan for the complete list.

How much does it cost?Plan costs depend on age, benefit amounts, and other factors. Consider how your plan fits your needs and your budget.

Prepare for illness

Additional services available with your planWith Critical Illness and Cancer insurance from Sun Life, you have access to additional benefits that help take care of you and your family.

Health care support services2

The HealthChampionSM program provided by ComPsych® Corporation is staffed by registered nurses and medical benefits experts. These professionals can help answer questions about your medical coverage, provide guidance on your benefits, explain your diagnosis and treatment options, and much more. You can take advantage of these confidential services for any critical illness or health concern you and your family may face.

Wellness Screening benefit This benefit pays you an amount each year once you provide proof of an eligible health screening. These tests could include a prostate cancer screening, mammogram, electrocardiogram, or a lipid panel to test cholesterol.

Recurrence benefit This benefit pays you an additional lump sum if you are diagnosed for a second time with a covered condition. Your benefit highlights detail the criteria that must be met for a Recurrence benefit to be paid (including the benefit’s maximums and the number of months that must pass between diagnoses). Because some illnesses tend to recur, this second payment provides you with additional financial protection.

Plan now so you can focus more on your health and less on your financial healthCritical illness and cancer insurance can help you stay on track with your expenses if you have an unexpected illness.

See your benefits administrator today for your plan’s details. To learn more about Critical Illness and Cancer insurance, visit SunLifeKnowsBenefits.com.

1. If coverage for dependent children is offered. 2. HealthChampionSM (health care support service) is provided by ComPsych®. It is not insurance, and it carries a separate charge, which is included with the price of coverage. 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.“Critical Illness and Cancer Insurance” is a limited benefit policy. It does NOT provide basic hospital, basic medical, or major medical insurance. The certificate has exclusions, limitations, and benefit waiting periods for certain conditions (as detailed in the certificate) 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. This overview is preliminary to the issuance of the policy and certificate.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 and Cancer Insurance” is 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 critical illness and cancer 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, 13-SD-C-01, 12-SD-C-01, 12-SD-R-01, and 13-SD-R-01. Product offerings may not be available in all states and may vary depending on state laws and regulations.

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GCIEM-EE-3779-HSA SLPC 25307 09/13 (exp. 09/15)