Sun Life Financial Enhances Employee Health Insurance Benefits for Public Sector

Good awesome news for people working in the Public sector.

According to the Employee Benefits Group division of Sun Life Financial Inc. announced recent enhancements to its employee benefits designed for the public sector groups.

New group life, and long term disability riders were recently introduced to support the insurance needs of state and local government employees

The Sun Life’s Group Life and Accidental Death & Dismemberment (AD&D) and Long Term Disability (LTD) plans now offer more better optional rider benefits such as Line of Duty AD&D, a Critical Burn Rider and a Health Coverage Continuance not limited to COBRA coverage.

These improvements are designed to meet the needs of public sector entities that differ from the private sector.

Says Michael Shunny, Sun Life SVP and GM, “We’ve serviced public sector groups for over 80 years.”

“We understand these groups are best served with policy provisions that consider their needs first, rather than trying to make them fit into a contract created for the private sector. We are pleased to launch our latest enhancements that provide additional options for government employers to customize their coverage and extend tailored protection to employees.”

Improved Group Life and Accidental D&D Riders for Public Sector Employees

Here’s the following optional benefits in detail:

• Line of Duty Rider pays an additional benefit if a public safety officer’s death or dismemberment occurs in the line of duty.
• Critical Burn Rider pays a benefit to victims of accidental burns who require reconstructive surgery.
• Fatal Heart Attack or Stroke Rider pays a benefit for public safety officers who die as a result of a heart attack or stroke suffered during non-routine, stressful or physically strenuous duties or training.
• Coverage for Elected Officials allows public sector customers to include elected officials in a group plan regardless of the number of hours worked.

In addition, Sun Life’s group life plans also offer:

• an Accelerated Death Benefit,
• a tailored Waiver of Premium provisions,
• greater coverage for part-time employees,
• extended Leave of Absence coverage to meet teachers’ needs, and
• an optional Felonious Assault AD&D Rider for public safety officials and school district personnel.

Improved Long Term Disability Riders for Public Sector Employees

The following option riders are available with Long Term Disability (LTD) benefits for public sector employees:

• When the Accidental Dismemberment/Loss of Sight Rider is elected, customers receive Sun Life’s On-the-Job Assault coverage. This provides an additional six months of benefits if disability results from an assault that happens at work.
• The Social Security / PERS & STRS Incentive allows claimants to receive more income protection by not offsetting other disability programs – Social Security, the Public Employees Retirement System and the State Teachers Retirement System – for the first 12 months of disability coverage.
• Optional Health Coverage Continuance Rider helps employees pay the cost of medical and dental premiums continued under COBRA or another employer-sponsored health care program.

The enhanced LTD plans include: Sun Life’s first to market Retro Disability Benefits. Typically, LTD plans have an elimination period when benefits are not paid.

With Retro Disability Benefits^, if an employee’s disability requires continuous hospitalization for 14 days or more from the onset of Total Disability, Sun Life will retroactively pay the employee LTD benefits back to the first day the employee was deemed totally disabled. For public sector customers, Retro Disability has been enhanced to pay an additional sum if the Retro Disability results from a felonious assault.

Furthermore, Sun Life offers dental plans with a standard vision discount card program, optional Vision Insurance, optional Cosmetic Rider and more.

With dental, group life, and disability, Sun Life offers a complete suite of employee benefits to the public sector. All customers have access to Sun Life’s robust online services for employers and employees and are backed by Sun Life’s money-back service guarantees.

More Power To Us,

Erwin Chua

Consumer Advocate

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