Accidental Death and Dismemberment (AD&D) This coverage
Benefits – This is a partial list. Refer to the certificate for the full list of covered accidental injuries.
includes an equal amount of AD&D insurance that provides a benefit if you suffer a covered accidental injury or die from a covered accident.
Accidental injury
The plan pays
Accidental injury
The plan pays
Accidental death
Loss of speech only or hearing only
100%
50%
Quadriplegia
Loss of limb (arm or leg)
100%
50%
Loss of sight of one eye
Loss of thumb and index finger on same hand
50%
25%
Additional considerations
If I become terminally ill
You may apply to receive a portion of your life insurance to help cover medical and living expenses. This is not long-term-care insurance. It will reduce the total amount of the life insurance payment we pay to your beneficiary(ies). Receipt of the Accelerated Benefit may be taxable and may affect your eligibility for public assistance programs.
If I become Totally Disabled
If we determine that you are Totally Disabled and cannot work, your life insurance coverage may continue at no cost. You must meet certain requirements, as detailed in the Certificate.
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.
Life and AD&D FAQ
How is my benefit claim filed and paid? You or your beneficiary(ies) and your employer will complete the appropriate claims forms and submit these to Sun Life. Our claims examiners review the claim and gather additional information if necessary. We will notify you or your beneficiaries when the decision is made. If your death claim is approved, beneficiaries may
elect to receive a lump sum payment or to have the benefit paid into an account where the funds accumulate interest and can be withdrawn at any time. (State restrictions apply and options may vary by state.) If your AD&D claim for an accidental injury is approved, the benefit amount will be paid directly to you.
Read the important plan provisions section for more information including limitations and exclusions.
sunlife.com 800-SUN-LIFE (247-6875)
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