Important information Y The following coverage(s) do not constitute Information about services offered comprehensive health insurance (often referred to as Value-added services are not insurance, are offered only on “major medical coverage”). They do NOT provide basic specific lines of coverage, and carry a separate charge, which hospital, basic medical, or major medical insurance. is added to the cost of the insurance. The cost is included in To become insured, you must meet the eligibility the total amount billed. requirements set forth by your employer. Your coverage Health Navigator Help Line is provided by PinnacleCare. effective date will be determined by the Policy and may be PinnacleCare is a member of the Sun Life Financial Inc. (“Sun delayed if you are not actively at work on the date your Life”) family of companies. PinnacleCare and its employees coverage would otherwise go into effect. Similarly, do not diagnose medical conditions, recommend treatment dependent coverage, if offered, may be delayed if your options or provide medical care, and any information or dependents are in the hospital (except for newborns) on services provided should not be considered medical advice. the date coverage would otherwise become effective. Refer Any medical decisions should be made only after to your Certificate for details. consultation with and at the direction of the medical Limitations and exclusions provider. Any person or entity who provides health care The below exclusions and limitations may vary by state law services following a referral or other service provided does so and regulations. This list may not be comprehensive. Please independently and not as an agent or representative of see your Certificate or ask your benefits administrator for PinnacleCare. details. Sun Life reserves the right to discontinue any of the Services Critical Illness at any time. Employers who provide group insurance We will not pay a benefit that is due to or results from coverage and make available value-added services within an services, treatment or complications not included in the I.R.C. Section 125 cafeteria plan should consult a tax Benefit Highlights; provided by an immediate family professional to determine whether those services are member; or unrelated to a Critical Illness/Specified Disease. Qualified Benefits for Section 125 plans. Value-added These include an autologous bone marrow transplant, services are not available in New York and may not be suicide, attempted suicide or intentionally self inflicted available in all other states. injuries, elective plastic or cosmetic surgery, active military This Overview is preliminary to the issuance of the duty, war, any act of war, or your active duty in any armed Policy. Refer to your Certificate for details. Receipt of service during a time of war (excluding during acts of this Overview does not constitute approval of coverage terrorism); your active participation in a riot, rebellion or under the Policy. In the event of a discrepancy between insurrection; committing or attempting to commit an this Overview, the Certificate and the Policy, the terms assault, felony or other criminal act; engaging in dangerous of the Policy will govern. Product offerings may not be conduct or hazardous activity where there is a likelihood of available in all states and may vary depending on state death or serious injury; being incarcerated in a penal laws and regulations. institution of any kind; being legally intoxicated or under the influence of any narcotic, unless taken on the advice of a physician and taken as prescribed. Covered conditions have specific diagnostic criteria that must be met (along with supporting documentation) for a benefit to be paid. For additional information regarding covered conditions, please request an outline of coverage. This product is inappropriate for individuals who are eligible for Medicaid coverage. Sun Life companies include Sun Life and Health Insurance Company (U.S.) and Sun Life Assurance Company of Canada (collectively, “Sun Life”). Group insurance policies are underwritten by Sun Life Assurance Company of Canada (Wellesley Hills, MA) in all states, except New York, under Policy Form Series 12-GP-01, 15-GP-01, 12-SD-C-01, and 16-SD-C-01. © 2019 Sun Life Assurance Company of Canada, Wellesley Hills, MA 02481. All rights reserved. Sun Life and the globe symbol are trademarks of Sun Life Assurance Company of Canada. Visit us at www.sunlife.com/us. GVBH-EE-8384 SLPC 29579 800-247-6875 • sunlife.com/us Critical Illness Insurance