Cancer Insurance
Cancer insurance FAQs How do I file a claim?
premium, some or all of your benefit amount will be tax reported on a Form 1099 as taxable income. Please consult with a tax advisor or your employer if you have any questions. What if I have a pre-existing condition? If you submit a claim within 1 months of your insurance taking effect, or 1 months following any increase in your amount of insurance, we will not pay any benefit for any pre-existing condition. A pre-existing condition includes anything you have sought or received treatment for in the 6 months prior to your insurance becoming effective. Treatment can include consultation, advice, care, services or a prescription for drugs or medicine. Can I take my insurance with me if I leave my employer? Depending upon state variations and your employer’s plan, you may have an option to continue group coverage when your employment terminates. Your employer can advise you about your options.
We will ask for information from you and your doctor about your medical condition. You can download forms from our website. Please complete and sign all forms. Missing information or signatures can delay your claim. Can I receive benefits for more than one cancer diagnosis? Regardless of types of Cancer or number of diagnoses, you may receive benefits for covered Cancer treatments from your inforce policy. If you have Level 2 coverage, the First Occurrence Benefit provides a one-time payment for your initial Cancer diagnosis in addition to your covered treatment benefits. Is my benefit taxable? If you pay for your coverage all post-tax, your benefit will not be taxable income or tax reported by us to the IRS. If you pay for your coverage all pre-tax, if you pay for part of your coverage post-tax and your employer pays for the rest, or if your employer pays the entire
“Cancer insurance” is a limited benefit policy. The certificate has exclusions and limitations that may affect any benefits payable. Benefits payable are subject to all terms and conditions of the certificate .
Read the important plan provisions section for more information including limitations and exclusions. Cancer Indemnity Insurance Monthly Rates Level 1 * Even Insured Patients Are Overwhelmed By The Cost Of Cancer Care,” Duke University study, www.forbes.com, August 2017
Level 2
17 Sterling Estates 2025 Benefits Guide | sunlife.com 1-800-SUN-LIFE (247-6875)
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