Frequently asked questions Y Do I need to answer any health questions to enroll? Can I receive benefits for more than one critical If you contribute to the cost of your insurance, you may illness? need to complete health questions if you don’t elect Yes. In order to receive benefits for more than one coverage when it’s first available to you and you want critical illness, there must be at least 6 consecutive to elect at a later date, or if you want to increase months between each diagnosis date. You can only coverage. To answer health questions, please fill out claim benefits once for each covered condition unless a our Evidence of Insurability application. Health recurrence benefit is payable. questions must be approved by Sun Life before How is my benefit taxed? coverage takes effect. Please see your Certificate for If you or your employer pay for all or part of the cost of details. coverage on a pre-tax basis, some or all of your benefit What if I have a pre-existing condition? amount will be tax reported on a Form 1099 as taxable If you are diagnosed with a covered critical illness income. Please reach out to a tax advisor or your within 12 months of your insurance taking effect or 12 employer if you have any questions. months following any increase in your amount of Can I take my insurance with me if I leave my insurance, we will not pay any benefit for any pre- employer? existing condition. A pre-existing condition includes Depending upon state variations and your employer’s anything you have sought treatment for in the 6 plan, you may have an option to continue coverage months prior to your insurance becoming effective. when your employment terminates. Your employer can Treatment can include consultation, advice, care, advise you about your options. services or a prescription for drugs or medicine. How do I file a critical illness claim? If you have a diagnosis after the effective date of coverage, you can file a claim with us by downloading forms from our website. We’ll ask that you and your doctor provide information about your medical CRITICAL ILLNESS condition. FAST FACT How do I get the Wellness Screening Benefit? Most heart attack victims are You may be paid the benefit when you or a covered middle-aged or older; the risk of family member submit proof of a covered screening each year, like specific blood tests, cancer screenings, a heart attack climbs for men cardiac stress tests, immunizations, school sports exams after age 45 and for women and more (may vary by state). The claim form can also after age 55.** be downloaded from our website. **”What Are Your Odds of a Heart Attack?” health.com, June 2018. Critical Illness insurance is a limited benefit policy. The certificate has exclusions, limitations and benefit waiting periods for certain conditions that may affect any benefits payable. Benefits payable are subject to all terms and conditions of the certificate. Read the Important information section for more details including limitations and exclusions. 800-247-6875 • sunlife.com/us Critical Illness Insurance