This guide will help you through the claim submission process and to answer any initial questions you may have with respect to filing a Job Loss 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 a complete involuntary separation from your employment; this includes a lay off, dismissal without cause, a unionized labour dispute, a legal strike or a lockout.

Qualifying Period means the 60-day period of continuous complete involuntary separation from your employment beginning on the date of your Job Loss and ending on the date you qualify for Job Loss Benefits.

• How do I obtain the claim package?
• When should I submit a Job Loss claim?
• What information is required in order to process my claim?
• Where do I send the completed claim package?
• What happens when Sun Life receives my claim?
• How will I be notified of Sun Life’s decision?
• What if my claim has been declined and I do not agree with the decision?
• Who do I contact for a status update or more information on my claim?
• How and when are payments made once the claim is approved?
• When will the Insurer stop paying Job loss benefits?
• Examples of when the Insurer will not pay a claim

How do I obtain the claim package?
The package can be obtained from your nearest BMO Bank of Montreal branch or downloaded here.

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When 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 of Canada will determine if you are entitled to benefits.

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What information is required in order to process my claim?
A complete claim package must include:

• A completed Bank’s Statement
• A completed and signed Claimant’s Statement
• A completed Employer’s Statement
• A copy of your Record of Employment filed with Human Resources Development Canada
• Employment Insurance Approval Letter
• Employment Insurance Payment Statement
• A copy of your insurance application

Please be sure to read all instructions on each form and complete fully. Failure to provide all necessary information could result in delays in processing your claim.

Please note that you are responsible to make Mortgage and premium payments during the Qualifying Period and while the Insurer is assessing your claim. Any premium paid and later determined to be part of the Job Loss Benefit will be credited to your account.

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Where 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

Alternatively, you may also return the claim package to your branch in a sealed envelope and they will forward to the Insurer by courier or you may fax the claim package to 1-866-209-7215

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What happens when Sun Life receives my claim?
Sun Life will review the documents to ensure all required information has been provided. If additional information is required, you will be contacted by mail.

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How will I be notified of Sun Life’s decision?
Your claim will be reviewed by Sun Life Assurance Company of Canada within 14 days after Sun Life receives 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 why the claim was declined. Your branch will also be notified of Sun Life’s decision, but if declined, will not be provided with any details

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What 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. Please ensure this information is provided as soon as possible or, you may call Sun Life Assurance Company of Canada directly to discuss further.

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Who 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 of Canada directly at 1- 877-271-8713.

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How and when are payments made once the claim is approved?
The Insurer will pay the Job Loss Benefit in arrears beginning on your first scheduled Mortgage payment date after the Qualifying Period. The Job Loss benefit will be paid for the same period you are receiving Employment Insurance Benefits, up to a maximum period of 6 months per Job Loss, corresponding with your approved Employment Insurance Benefits.

If you have a Job Loss for only part of your Mortgage payment period, a proportionate amount of the Job Loss benefit will be paid.

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When will the Insurer stop paying Job loss benefits?

• the date 6 months of Job Loss benefits for the Job Loss claimed have been paid to the Bank
• the date you refuse to provide proof of continuing Employment Insurance benefits to the Insurer
• the date you no longer qualify for Employment Insurance Benefits or;
• the date all coverage under this certificate ends as described in section “When your coverage ends”

Note: Please review your Certificate of Insurance for full details on when the Insurer stops paying Job Loss benefits

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Examples of when the Insurer will not pay a claim
No Job Loss Benefit will be payable if:

• Your Job Loss is the result of a maternity or paternity leave allowed by law or agreed to with your employer,
• Your Employment Insurance claim is not paid for any reason;
• You fail to provide proof of Employment Insurance benefits to the Insurer;
• You are receiving Disability benefits at the time of your Job Loss; or
• your loss of employment does not meet the definition of Job Loss

Note: Please review your Certificate of Insurance for full details listing all exclusions and limitations under this policy.

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