Comprehensive Benefits Overview for York University Staff Association (YUSA)
Explore the detailed overview of benefits provided by Sun Life for YUSA members, including health, dental, long-term disability, basic life, and more. Get insights into extended health care coverage, vision care, dental benefits, termination policies, and more. Maximize your benefits understanding to make informed decisions about your well-being.
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easy comfortable Life is secure personal inspired York University Staff Association (YUSA)
Agenda 1. Welcome to Sun Life! 2. Benefit overview 3. Plan member experience Customer Care Centre Registering for Online Services / Mobile App 4. Health & wellness tools & resources 2
BENEFIT OVERVIEW
Benefit overview Overview of your Sun Life benefits Health Dental Long-Term Disability Basic Life Accidental Death and Dismemberment
Extended Health Care January 1 to December 31 Benefit year No deductible Deductible 100% coinsurance Prescription drugs 100% coinsurance Cost covered in a convalescent hospital, primary for rehabilitation, and not for custodial care, and it follows at least 3 consecutive days of in-patient hospitalization. The maximum amount payable is the difference between the cost of a ward and a private room. In-province hospital Out-of-province/country and Emergency Travel Assistance 100% emergency services, lifetime maximum of $10,000 per person 100% of the costs up to a maximum of $300 per person per specialty in a benefit year: Speech therapist, naturopath, osteopaths, podiatrists/chiropodists, and athletic therapists Paramedical services 100% of the costs up to a maximum of $500 per person per specialty in a benefit year: Massage therapist, and chiropractor Paramedical services 5
Extended Health Care 100% of the costs for the paramedical specialists: Psychologists, physiotherapists, Christian Science practitioners Paramedical services $400 in a 24 month period, 100% Vision Care Medical Services and Equipment 100% coinsurance $10,000 lifetime maximum Private Duty Nursing $100 in a 24 month period Eye Exam 100% when prescribed by a doctor, chiropractor, podiatrist or chiropodist Custom-Made Orthotics $100 per benefit year, when prescribed by a doctor, chiropractor, podiatrist or chiropodist Custom Fitted Orthopedic Shoes $800 maximum over 3 benefit years Hearing Aids Termination date for Health Benefits Employment termination 6
Dental benefit Benefit year January 1 to December 31 Deductible No deductible 100% coinsurance 1 recall exam every 6 months Preventative & Basic Major 70% coinsurance Benefit Year Maximum $5,000 per person for Major dental procedures, excluding dentures Orthodontic 85% coinsurance, $5,000 lifetime maximum per person Termination date for Dental Benefits Employment termination 7
Long Term Disability benefit 60% of the first $500 of your monthly, add 50% of your balance of your monthly earnings, up to a maximum benefit of $2,500 Amount and maximum Tax status Non-taxable During the elimination period, and the following 21 months, known as the own occupation period, you will be considered totally disabled while you are continuously unable due to an illness to do the essential duties of your own occupation Definition of Disability Coverage will end on July 1 coincident with or next following the date the employee attains age 65. Maximum benefit period Elimination period 90 days 8
Basic Life benefits Basic Life Coverage 3 times your annual basic earnings, rounded to the next higher $1,000 Maximum Maximum amount of coverage is $600,000 Benefit reduced to 1 times your annual basic earnings, rounded to the next higher $1,000 on July 1st coincident with or next following the date you reach age 65. Reduction Termination Terminates at retirement 9
Optional Accidental Death and Dismemberment benefits Optional Employee Accidental Death & Dismemberment Units of $10,000, maximum coverage is $500,000 Your spouse and dependent child are automatically covered for an amount of Optional AD&D as indicated below based on your Optional AD&D coverage: Spouse Only 60% Optional Dependent Accidental Death & Dismemberment Spouse with Children 50% Children Only 20% per child Children with Spouse 15% per child Terminates at age 70 or retirement, whichever is earlier Termination 10
PLAN MEMBER EXPERIENCE
YOUR DIGITAL PLAN MEMBER EXPERIENCE
Sun Life Services Online mysunlife.ca Check coverage Print coverage cards Manage personal information Claims paid within 24-48 hours (random auditing) Direct deposit and email confirmation Claims status & history 14
my Sun Life Mobile Fast, easy benefits information Submit claims anywhere, anytime Go to sunlife.ca/mobile for more info and demos
Whats new in Technology Mobile enhancements Mobile photo submit Mobile Notification Access with one touch Apple Wallet
Whats new in Technology Submit post claim documentation
Mobile Enhancements Health provider search Mobile photo submit Mobile notification Touch ID Apple Wallet Click to call with auto-authentication Mobile self-registration Partnership with Carrot Rewards
Customer Care Centre Customer Care Centre 1-800-361-6212 24 hour automated phone account access Representatives available 8am to 8pm ET Monday to Friday 189 languages supported 70% of calls answered within 20 seconds 19
Getting to know the Wellness Centre Wellness Centre and the Health Risk Health Risk Assessment tool Assessment tool
Accessing the Wellness Centre The Wellness Centre is easily accessed through the Wellness Centre link on the member secure site home page
Navigating the Homepage 2 2 2. Quick and easy 2. Quick and easy access access Users can navigate site resources and features quickly and easily with multiple entry points. 1. Health resources 1. Health resources Users can access the Health Resource Libraries which includes the 4 databases. See slide 12 for more information. 1 1 3. Additional resources 3. Additional resources Additional resources are available to assist users with managing their health. 3 3
Health Resources Reliable and up-to-date Canadian health information sources to help make informed decisions. Conditions Library a search engine tool with easy-to-understand information on hundreds of common health conditions. Drug Library a search engine tool with easy-to-use information on Canadian prescription drugs. Community Support Database a directory of national, provincial, local and online support services and groups in Canada. Natural Products Database a search engine tool with easy-to-understand information on a wide range of natural health products.
Tips to protect you Why should benefits fraud matter to you? Some tips to help protect your plan: Keep your benefits information confidential Submit claims online whenever possible Check your receipts Don t sign claims forms in advance Report suspicious activity Know your plan Don t substitute products and services
Thank you 27
