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. 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.Ĭhildren 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. You can only cover one spouse at a time.Ī child includes unmarried children, legally adopted children, and children for whom you are the legal guardian.

Your dependent must be your spouse or your child and a resident of Canada or the United States and maintaining provincial health coverage.Ī 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. In the event of any discrepancy or inconsistency of information, the Benefit Booklets will govern. 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 directly. To understand your benefit plan coverage, refer to the appropriate booklet. Additional information can be found here. You are encouraged to check this list before you make an appointment, so you don’t unknowingly use a delisted provider. You can see a list of providers by province by logging into your My Sun Life account. You can still choose to obtain services or supplies from a delisted provider however, your claim will be denied. If you receive healthcare services or supplies from a delisted provider, Sun Life will not reimburse you for your expenses. Sometimes, the review will lead to delisting. Sun Life regularly looks at the claiming and administrative practices of medical and dental healthcare service providers and pharmacies. 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. While the Drug Lookup Tool is a convenient feature, it currently provides information about pay-direct drugs only. There are other tools available, such as the Drug Lookup Tool provided on the Sun Life website ( that may help you with understanding whether specific items are covered. Your Benefit Booklet is the official document which outlines benefit coverage.

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