This guide will help you through the job loss claim submission process and to answer any initial questions you may have with respect to filing a claim. Please review your Certificate of Insurance for details regarding your coverage prior to submitting a claim. There is a 60 day qualifying period before any benefits are paid.
Job Loss means you are collecting Employment Insurance benefits because of:
How do I obtain the claim package?
The package can be obtained from your nearest BMO Bank of Montreal branch or downloaded and printed directly by clicking here.
Back to topWhen should I submit a Job Loss claim?
A Job Loss claim must be submitted to the Insurer within 120 days of your job loss date, otherwise your claim may be declined. If you are submitting a claim outside this period, please include a note outlining the reasons for the late filing and Sun Life Assurance Company will determine if you are entitled to benefits.
Back to topWhat information is required in order to process my claim?
A complete claim package must include:
Please read all instruction on each form and ensure that all forms are fully completed. Incomplete forms and failure to provide all necessary information could result in delays in processing your claim or denial of your claim.
Back to topWhere do I send the completed claim package?
Once all of the claim forms are completed, send the entire claim package to:
Sun Life Assurance Company of Canada
Creditor Team – Disability Claims
P O BOX 100 STN C
Kitchener, On
N2G 3W9
Or, you may fax the entire claim package directly to Sun Life at 1-866-209-7215
Alternatively, you may return the completed form, in a sealed envelope, to your Bank of Montreal Branch and they will courier the forms to Sun Life.
Back to topWhat happens when Sun Life receives my claim?
In assessing your claim, the claims analyst will review the information provided by you, your employer and information from any other sources to determine if you are eligible for benefits in accordance with the terms of your Certificate of Insurance. As part of this review they may need to contact you if additional information is required.
Note: Any payments required on your line of credit must continue to be made until such time as your claim is approved.
Back to topHow will I be notified of Sun Life's decision?
Your claim will be reviewed by Sun Life within 14 days of receiving all the necessary information. Sun Life will advise you in writing if your claim is approved or declined. If declined, Sun Life will include an explanation for why the claim was declined. Your branch will also be notified of Sun Life's claim decision, but if declined, for privacy reasons, Your branch will not be provided with any details.
Back to topWhat if my claim has been declined and I do not agree with the decision?
If you do not agree with Sun Life's decision on your claim, you may provide new or additional information for Sun Life to review. If your claim is declined, Sun Life will provide you with the appeal process in the denial letter. This will include the time limit for any appeal and where you should send any additional information to or you may call Sun Life at the number provided in their letter.
Back to topHow and when are payments made once the claim is approved?
All job loss benefits will be paid by electronic fund transfer to the Bank of Montreal by Sun Life and will be applied towards the outstanding balance of the Loan. You will be notified by Sun Life of their decision in writing with an explanation of the benefits paid.
For an instalment Loan, the benefit amount is the Loan Payment as at the date of Job Loss multiplied by your Percentage of Payment Covered plus all Insurance premiums on your Loan up to the maximum insured amount payable.
For a revolving LOC, the benefit amount on the date of job loss is:
Please note that for the revolving LOC, premiums continue to be charged according to the outstanding balance while you are on claim.
Back to topWhen will the Insurer stop paying Job loss benefits?
Examples of when the Insurer will not pay a claim
No Job Loss benefit will be payable if:
Please review your Certificate of Insurance for full details of all terms of coverage.
Back to topWho do I contact for a status update or more information on my claim?
If you have any questions or require information about the status of your claim, please call Sun Life Assurance Company directly at 1 877-271-8713.
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