If you’re a Canadian federal employee, you may have heard of the Public Service Health Care Plan (PSHCP). This comprehensive health benefits plan is designed to provide coverage for you and your family when you need it most. And when it comes to managing your PSHCP coverage, Sun Life Financial is there to help.
Sun Life Financial is the administrator of the PSHCP, meaning they are responsible for managing claims, processing reimbursements, and providing customer service for plan members. With over 150 years of experience in the insurance industry, Sun Life is a trusted partner for federal employees across the country.
When it comes to your health and well-being, it’s important to have a plan that covers all the bases. The PSHCP offers a wide range of coverage options, including prescription drugs, dental care, vision care, and more. Whether you need to fill a prescription or visit a specialist, the PSHCP has you covered.
With Sun Life Financial as your partner, you can feel confident knowing that your health care needs are in capable hands. Sun Life’s team of experts are dedicated to providing exceptional customer service and ensuring that you have the information you need to make informed decisions about your coverage.
What is Sun Life PSHCP?
Sun Life PSHCP, also known as the Public Service Health Care Plan, is a comprehensive and flexible health care benefit plan that is offered to employees of the Canadian federal public service, as well as to eligible retirees and their dependents. Sun Life Financial, a leading international financial services organization, administers the plan.
The plan provides coverage for a wide range of health care services, including prescription drugs, dental care, vision care, and paramedical services such as physiotherapy and chiropractic care. It also offers coverage for certain medical supplies and equipment. The plan is designed to help its members manage the costs of their health care needs and ensure they have access to the care they need when they need it.
Benefits of Sun Life PSHCP
There are several benefits of enrolling in Sun Life PSHCP:
- Comprehensive coverage: The plan provides coverage for a wide range of health care services, including prescription drugs, dental care, and vision care.
- Flexibility: Members have the flexibility to choose the level of coverage that best suits their needs, with the option to add additional coverage for themselves and their dependents.
- Accessibility: The plan ensures that members have access to the health care services they need, when they need them.
- Convenience: Members can easily manage their benefits online through the Sun Life website, making it convenient to submit claims and track their coverage.
Eligibility for Sun Life PSHCP
To be eligible for Sun Life PSHCP, individuals must be working for the Canadian federal public service on a permanent or temporary basis, or be retired from such employment. Eligible dependents, including spouses or common-law partners and dependent children, may also be covered under the plan.
In conclusion, Sun Life PSHCP is a comprehensive health care benefit plan that provides coverage for a wide range of health care services to employees of the Canadian federal public service, retirees, and their dependents. The plan offers flexibility, accessibility, and convenience, ensuring that members have the support they need to manage their health care needs.
Eligibility Criteria for Sun Life PSHCP
In order to be eligible for the Sun Life Public Service Health Care Plan (PSHCP), individuals must meet the following criteria:
Employment Status: Only active employees of the Federal Public Service, including employees of separate agencies, are eligible for the PSHCP. This includes part-time and full-time employees.
Type of Employment: Individuals must have an indeterminate (permanent) employment status in order to qualify for the PSHCP. Term employees with continuous employment of more than six months are also eligible.
Nomination by Employer: An individual must be nominated by their employer and receive approval from the Treasury Board Secretariat in order to be eligible for the PSHCP. Self-nomination is not accepted.
Enrollment Period: Individuals must enroll in the PSHCP within 60 days from the date of becoming eligible. If enrollment is not completed within this period, individuals may not be eligible for coverage.
Proof of Eligibility: In order to be eligible for the PSHCP, individuals must provide proof of their employment status, such as a letter of offer or an offer of employment, along with their enrollment application.
Dependent Coverage: Individuals may also be eligible to enroll their eligible dependents in the PSHCP, including their spouse or common-law partner and dependent children. Proof of dependency is required.
Please note that the above eligibility criteria is a general overview and may not include all specific requirements. It is important to consult the official Sun Life PSHCP documentation for complete and up-to-date eligibility information.
Benefits of Sun Life PSHCP
The Sun Life Public Service Health Care Plan (PSHCP) offers a range of benefits to eligible participants. Here are some key advantages of enrolling in Sun Life PSHCP:
Comprehensive Coverage
The PSHCP provides comprehensive coverage for a variety of health care services, including prescription drugs, dental care, vision care, paramedical services, and more. This ensures that participants have access to the necessary medical care they need to maintain their health and wellbeing.
Flexible Options
Sun Life PSHCP offers flexible options, allowing participants to choose a coverage level that best suits their needs. Whether you are an individual or have a family, you can customize your coverage to ensure you have the right level of protection.
With various options available, you can select the combination of services and benefits that aligns with your specific requirements.
Furthermore, the PSHCP allows you to add or remove dependents from your coverage as needed, ensuring that your plan remains up to date with your changing circumstances.
Financial Protection
In addition to providing coverage for medical expenses, Sun Life PSHCP also offers financial protection in the event of a disability. The plan includes disability benefits, which can help offset the loss of income if you become unable to work due to an illness or injury.
This added financial security can provide peace of mind, allowing you to focus on your recovery without worrying about the financial implications.
Health and Wellness Support
Sun Life PSHCP goes beyond just providing coverage for medical services. The plan also offers various health and wellness resources and programs to promote overall well-being.
These resources may include access to telemedicine services, health and wellness education, mental health support, and more. By taking advantage of these resources, participants can proactively manage their health and make informed decisions regarding their well-being.
In conclusion, enrolling in Sun Life PSHCP can provide you with comprehensive health care coverage, flexible options, financial protection, and access to health and wellness support. Take advantage of the benefits offered by PSHCP to ensure your and your family’s well-being.
How to Enroll in Sun Life PSHCP
Enrolling in Sun Life PSHCP is a straightforward process that can be completed online. Follow these steps to enroll:
- Visit the official Sun Life PSHCP website.
- Click on the “Enroll Now” button.
- Fill out the enrollment form with your personal details, such as name, address, and contact information.
- Provide information about your employment and select the appropriate employment category.
- Choose your coverage options from the available plans.
- Review your enrollment information to ensure accuracy.
- Submit your enrollment form.
- Pay the required premiums, if applicable.
- Receive confirmation of your enrollment via email or postal mail.
It is essential to enroll in Sun Life PSHCP to ensure you have access to comprehensive coverage and benefits for you and your family. By following these steps, you can easily enroll in Sun Life PSHCP and start enjoying the peace of mind that comes with having reliable health insurance.
Changing Sun Life PSHCP Coverage
If you are a member of the Sun Life Public Service Health Care Plan (PSHCP), you have the option to change your coverage to better suit your needs. Whether you’re looking to add or remove coverage, it’s important to understand the process and the options available to you.
Adding Coverage
If you feel that your current coverage under the PSHCP is not sufficient, you have the option to add additional coverage. This can include adding coverage for prescription drugs, vision care, or dental care, among others. To make changes to your coverage, you will need to contact Sun Life directly and provide the necessary information and documentation.
Removing Coverage
If you find that you no longer need certain aspects of your PSHCP coverage, you have the option to remove them. This can help reduce your premiums and ensure that you are only paying for the coverage that you truly need. To remove coverage, you will need to contact Sun Life and inform them of the changes you would like to make.
It’s important to note that any changes to your Sun Life PSHCP coverage may have certain restrictions or waiting periods. It’s always a good idea to review the terms and conditions of your policy and consult with Sun Life to ensure that you fully understand the implications of any changes you make.
Overall, changing your Sun Life PSHCP coverage can help you tailor your plan to better suit your individual needs. Whether you need to add coverage or remove certain aspects of your plan, taking the time to assess your healthcare needs and make informed decisions can help you make the most of your coverage.
Understanding Sun Life PSHCP Premiums
When it comes to your health, it’s important to have a comprehensive insurance plan in place. The Sun Life Public Service Health Care Plan (PSHCP) is designed to provide you and your family with coverage for a wide range of health services and expenses.
What are PSHCP Premiums?
PSHCP premiums are the monthly fees that you are required to pay in order to maintain your coverage under the Sun Life PSHCP. These premiums help to fund the plan and ensure that it remains sustainable for all members.
The amount of your PSHCP premiums will depend on a few factors, including your salary range and the level of coverage you choose. It’s important to note that premium rates may change from year to year, so it’s a good idea to review your coverage and update as needed.
How are PSHCP Premiums Calculated?
The calculation of your PSHCP premiums is based on a percentage of your salary. The rates are determined by the Treasury Board of Canada Secretariat and are adjusted annually.
There are three salary ranges that determine the rate of your premiums: Range 1, Range 2, and Range 3. Each range has its own specific premium rates.
It’s important to review the premium rates for your specific salary range to ensure that you are paying the correct amount for your coverage. In some cases, you may be required to provide documentation of your salary to verify your premium rate.
Overall, understanding how Sun Life PSHCP premiums are calculated is important in order to ensure that you are paying the correct amount for your coverage. By staying informed about your premium rates and any changes to the plan, you can make the most of your PSHCP benefits and protect your health and well-being.
Exclusions and Limitations of Sun Life PSHCP
Exclusions:
The Sun Life PSHCP (Public Service Health Care Plan) provides comprehensive coverage for a wide range of health care services. However, there are some exclusions that are not covered by this plan:
- Experimental or investigative treatments: The plan does not cover treatments that are not proven to be effective or approved by recognized medical authorities.
- Cosmetic procedures: Procedures that are performed solely for cosmetic purposes, such as elective cosmetic surgery, are not covered.
- Dental services: Regular dental check-ups and treatments are not covered under the Sun Life PSHCP. However, there is a separate dental plan available for PSHCP members.
- Alternative therapies: Treatments such as acupuncture, naturopathy, and chiropractic care are not covered by the plan.
- Travel vaccines: Vaccines required for international travel are not covered under the Sun Life PSHCP.
Limitations:
In addition to the exclusions, there are certain limitations to the coverage provided by the Sun Life PSHCP:
- Annual maximums: The plan has annual maximums for certain services, such as maximum limits for prescription drugs or paramedical services.
- Waiting periods: Some services may have waiting periods before they are covered by the plan.
- Coordination of benefits: If you have coverage under another plan, such as a spouse’s plan, the benefits may be coordinated to avoid double coverage.
It’s important to review the plan document or contact your plan administrator for the complete list of exclusions and limitations of the Sun Life PSHCP.
Claiming Sun Life PSHCP Benefits
If you are a member of the Sun Life Public Service Health Care Plan (PSHCP), you can take advantage of a wide range of benefits. This includes coverage for prescription drugs, dental care, vision care, and more. However, in order to make the most of these benefits, it’s important to understand the claiming process.
Step 1: Gather Your Documentation
Before you can make a claim, make sure you have all the necessary documentation. This typically includes receipts and invoices for the services or treatments you received. It’s important to keep these documents organized and easily accessible.
Step 2: Complete the Claim Form
Once you have all the necessary documentation, you will need to complete a claim form. This form can usually be downloaded from the Sun Life website or obtained through your employer. Make sure to fill out the form accurately and provide all the required information.
Step 3: Submit Your Claim
After completing the claim form, you can submit it along with the supporting documentation. This can be done either online through Sun Life’s member portal or by mail. If you choose to mail your claim, make sure to use a trackable method to ensure it reaches Sun Life safely.
Step 4: Wait for Processing
Once Sun Life receives your claim, they will begin processing it. This typically takes a few weeks, so be patient. You can check the status of your claim online through the member portal or by contacting Sun Life directly.
Step 5: Receive Payment
If your claim is approved, you will receive payment for the eligible expenses. This can be done either through direct deposit or by check, depending on your preferences. Make sure to keep track of the payments you receive for your records.
In conclusion, claiming your Sun Life PSHCP benefits is a straightforward process, as long as you have all the necessary documentation and follow the correct steps. If you have any questions or need assistance, don’t hesitate to reach out to Sun Life or your employer for support.
Prescription Drug Coverage in Sun Life PSHCP
In the Sun Life Public Service Health Care Plan (PSHCP), prescription drug coverage is an important component of the comprehensive benefits offered. The PSHCP provides coverage for eligible prescription drugs, helping plan members manage their medication costs.
Under the PSHCP, prescription drug coverage is available for a wide range of medications. From common over-the-counter drugs to complex specialty medications, the plan aims to support the health and well-being of plan members.
To access prescription drug coverage, plan members will need to present their PSHCP identification card at the pharmacy. The coverage generally includes a percentage of the cost of the medication, with the member responsible for any remaining balance.
The PSHCP also offers a comprehensive list of preferred drugs, which are covered at a higher level of reimbursement. By choosing preferred drugs, plan members can maximize their prescription drug coverage and reduce out-of-pocket costs.
It’s important to note that the PSHCP may require prior authorization for certain prescription drugs. This means that plan members may need to have their prescription reviewed and approved by the plan administrator before coverage is provided.
In addition to prescription drug coverage, the PSHCP also provides coverage for a range of other health care services, including dental care, vision care, and paramedical services. By offering comprehensive coverage, the PSHCP aims to support the overall health and well-being of plan members.
Paramedical Coverage in Sun Life PSHCP
In addition to its comprehensive health and dental coverage, Sun Life PSHCP also offers paramedical coverage for its members. Paramedical services are a vital component of many individuals’ healthcare and can help improve overall well-being.
Paramedical services covered under Sun Life PSHCP include:
- Physiotherapy: Sun Life PSHCP covers the cost of physiotherapy treatments, which can be essential for rehabilitation after an injury or for managing chronic conditions.
- Chiropractic Services: Members can benefit from chiropractic services covered by Sun Life PSHCP, which can address musculoskeletal issues and promote spinal health.
- Registered Massage Therapy: Sun Life PSHCP also covers registered massage therapy, which can help relieve muscle tension, reduce stress, and improve circulation.
- Psychology and Social Work: Mental health is a critical aspect of overall well-being, and Sun Life PSHCP recognizes this by providing coverage for psychology and social work services.
- Naturopathic Services: Members can access naturopathic services covered by Sun Life PSHCP, which can provide additional support for overall health and wellness.
- Podiatrists and Chiropodists: Sun Life PSHCP covers visits to podiatrists and chiropodists, who specialize in foot and ankle care.
- Speech-Language Pathologists: Members can also receive coverage for speech-language pathology services, which can help with communication and swallowing disorders.
These paramedical services are essential for maintaining a healthy and active lifestyle. By offering coverage for a wide range of paramedical treatments, Sun Life PSHCP strives to provide its members with the necessary support and resources to prioritize their health.
Vision Care Coverage in Sun Life PSHCP
In life, it is important to take care of our vision. With Sun Life PSHCP, you have access to comprehensive vision care coverage that can help ensure the health of your eyes.
Benefits of Vision Care Coverage
Having vision care coverage in Sun Life PSHCP can provide you with several benefits:
- Regular eye exams: You can get routine eye exams to ensure your eyes are healthy and to detect any potential issues early on.
- Prescription glasses and contact lenses: If you need visual aids, Sun Life PSHCP can cover the cost of prescription glasses or contact lenses.
- Frames and lenses: Sun Life PSHCP can help cover the cost of frames and lenses for your prescription glasses.
- Eyeglass repairs: If your glasses need repairs, Sun Life PSHCP can help cover the cost.
- Other vision care services: Sun Life PSHCP may also provide coverage for other vision care services, such as laser eye surgery, if deemed medically necessary.
How to Access Vision Care Coverage
To access vision care coverage in Sun Life PSHCP, you will need to follow these steps:
- Find a participating vision care provider: Sun Life PSHCP has a network of vision care providers who are authorized to provide services covered by the plan. You can search for a participating provider online or contact Sun Life for assistance.
- Make an appointment: Once you have chosen a participating provider, schedule an appointment for your vision care needs.
- Present your Sun Life PSHCP card: At your appointment, present your Sun Life PSHCP card to the vision care provider.
- Pay any applicable fees: Depending on the services you receive, you may need to pay certain fees or co-payments. Check your Sun Life PSHCP plan details for more information.
- Submit any required documentation: If you need to submit a claim for reimbursement, make sure to keep all receipts and necessary documentation. Follow the instructions provided by Sun Life for submitting claims.
With vision care coverage in Sun Life PSHCP, you can take care of your eyes and maintain good vision throughout your life. Make sure to utilize the benefits available to you and prioritize your eye health.
Dental Care Coverage in Sun Life PSHCP
The Public Service Health Care Plan (PSHCP) offered by Sun Life provides comprehensive coverage for dental care. PSHCP aims to ensure that eligible participants receive necessary dental treatment to maintain oral health and prevent dental issues.
Under the PSHCP, dental care coverage includes a wide range of services such as routine cleanings, check-ups, and X-rays. Additionally, it covers more extensive procedures like fillings, root canals, extractions, and crowns.
The PSHCP dental care coverage is designed to provide financial assistance to eligible participants, allowing them to access necessary dental treatments without incurring exorbitant costs. The plan typically covers a percentage of the dental fees based on the specific procedure and the dentist’s fee guide.
It is important to note that the PSHCP dental care coverage may have certain limitations and exclusions. For example, cosmetic procedures such as teeth whitening or orthodontic treatments may not be covered. It is recommended to review the plan documents or consult with Sun Life for detailed information on coverage specifics.
To utilize the dental care coverage in Sun Life PSHCP, eligible participants need to provide their dental practitioner with their PSHCP benefit card or claim form. The dental practitioner will then submit the claim directly to Sun Life for reimbursement.
| Procedure | Coverage |
|---|---|
| Routine cleanings, check-ups, and X-rays | Percentage coverage of fees |
| Fillings | Percentage coverage of fees |
| Root canals | Percentage coverage of fees |
| Extractions | Percentage coverage of fees |
| Crowns | Percentage coverage of fees |
Overall, the dental care coverage in Sun Life PSHCP provides essential support for eligible participants to maintain good oral health and address dental concerns. It is advised to review the specific coverage details and consult with Sun Life or the plan administrator for any inquiries or clarification.
Travel Coverage in Sun Life PSHCP
Under the Sun Life Public Service Health Care Plan (PSHCP), members are provided with comprehensive coverage for travel-related expenses. Whether you are traveling within Canada or internationally, the PSHCP offers benefits to help protect your health and well-being.
Travel Benefits
The PSHCP offers the following travel benefits:
- Emergency Medical Coverage: Members are covered for emergency medical expenses that may arise while traveling, including hospitalization, medical services, and prescription drugs.
- Travel Assistance Services: In case of an emergency while traveling, members can access the Travel Assistance Services, which provides 24/7 support, including assistance with medical referrals, emergency medical evacuation, and repatriation.
- Trip Interruption Insurance: If your trip is interrupted due to an unforeseen event, such as a medical emergency or natural disaster, the PSHCP provides coverage for expenses related to the interruption, including additional accommodation and transportation costs.
- Trip Cancellation Insurance: If you need to cancel your trip before departure due to an eligible reason, such as illness, death, or a government travel advisory, the PSHCP provides coverage for non-refundable expenses, such as flights and accommodations.
Eligibility and Coverage Limits
To be eligible for travel coverage under the PSHCP, members must have provincial or territorial health care coverage and be enrolled in the PSHCP as an active employee or eligible retiree.
The coverage limits for travel benefits vary based on the member’s plan design and level of coverage. It is important to review your specific plan details to understand the extent of your travel coverage.
Submitting Claims
To submit a claim for travel-related expenses, members need to complete a travel claim form and provide supporting documentation, such as receipts and medical reports. Claims can be submitted online through the Sun Life Plan Member Services website or by mail.
It is recommended to review the PSHCP Travel Benefits Booklet for detailed information on the coverage, exclusions, and claim submission process.
| Benefit | Coverage Limit |
|---|---|
| Emergency Medical Coverage | Up to $2,000,000 per trip |
| Travel Assistance Services | Included |
| Trip Interruption Insurance | Up to $5,000 per person |
| Trip Cancellation Insurance | Up to $10,000 per trip |
Mental Health Coverage in Sun Life PSHCP
Mental health is an important aspect of overall well-being, and Sun Life recognizes the significance of providing coverage for mental health services. In the Sun Life Public Service Health Care Plan (PSHCP), members have access to a wide range of mental health benefits.
Covered Mental Health Services
Sun Life PSHCP provides coverage for various mental health services, including:
- Psychiatrist services
- Psychologist services
- Therapy sessions
- Psychiatric consultations
- Inpatient and outpatient mental health care
- Crisis helpline services
Accessing Mental Health Coverage
To access mental health coverage through Sun Life PSHCP, members can simply reach out to the designated providers within the network. These providers are experienced professionals who can offer the necessary support and treatment. It is important to note that some services may require prior authorization, so it is advisable to confirm this with Sun Life or the designated providers.
Importance of Mental Health Coverage
Providing mental health coverage in the Sun Life PSHCP promotes overall wellness among the members. Mental health support is crucial for individuals facing challenges related to stress, anxiety, depression, or other mental health conditions. By offering comprehensive coverage, Sun Life aims to ensure that members receive the necessary care and support they need to maintain their mental well-being.
In conclusion, Sun Life PSHCP offers extensive mental health coverage to its members, encompassing a range of services and treatments. Access to mental health support is vital, and Sun Life is committed to providing comprehensive coverage to promote the well-being of its members.
Health and Wellness Programs in Sun Life PSHCP
In addition to providing comprehensive health coverage, the Sun Life Public Service Health Care Plan (PSHCP) also offers a range of health and wellness programs designed to support the well-being of its beneficiaries.
The Sun Life PSHCP understands that maintaining good health goes beyond just receiving medical treatment when needed. It encourages proactive measures to prevent illness and promote overall wellness. To achieve this, the plan offers various programs and resources to help beneficiaries live a healthy and balanced lifestyle.
One of the key programs available through Sun Life PSHCP is the Wellness Program. This program provides access to a wide range of tools, resources, and activities designed to support physical, mental, and emotional well-being. These may include fitness challenges, mental health support, stress management resources, smoking cessation programs, and more. Beneficiaries can access these resources online or through a dedicated wellness portal.
In addition to the Wellness Program, Sun Life PSHCP also offers various preventive health services. These services aim to keep beneficiaries healthy and catch any potential health issues early on. Examples of preventive health services may include annual check-ups, screenings for early detection of certain diseases, routine vaccinations, and more. By offering these services, Sun Life PSHCP helps beneficiaries take proactive steps towards maintaining their health.
Sun Life PSHCP recognizes the importance of mental well-being and offers resources and support to address mental health concerns. These may include access to mental health professionals, counseling services, and resources for managing stress, anxiety, or depression. By prioritizing mental health, the plan aims to support the overall well-being of its beneficiaries.
| Health and Wellness Programs in Sun Life PSHCP |
|---|
| – Wellness Program |
| – Preventive Health Services |
| – Mental Health Support |
In conclusion, Sun Life PSHCP goes beyond traditional health insurance by offering a range of health and wellness programs to support the well-being of its beneficiaries. From promoting physical fitness to addressing mental health concerns, the plan aims to provide comprehensive support for a healthy and balanced lifestyle.
Contact Sun Life for PSHCP
If you have any questions or need assistance with your PSHCP coverage, the best way to contact Sun Life is by phone. You can reach their customer service team at the following number:
- Phone: 1-800-361-6212
When calling, make sure to have your policy number and any relevant information handy to expedite the process. Sun Life’s customer service representatives are trained to assist with any inquiries related to the PSHCP, including coverage, claims, and eligibility requirements.
If you prefer to contact Sun Life through other means, you can also visit their website and access their online resources. The Sun Life website provides a wealth of information and tools to help you better understand and manage your PSHCP coverage. You can find frequently asked questions, forms, and downloadable documents on their website.
Additionally, Sun Life offers an online portal where you can access your account information, submit claims, and track the progress of your claims. To access the portal, you will need to create an account and log in using your policy number and other personal information.
Remember, Sun Life is here to assist you with your PSHCP coverage and ensure that you have the information and support you need. Don’t hesitate to reach out to them if you have any questions or concerns!
Q&A:
What is Sun Life PSHCP?
Sun Life PSHCP stands for Sun Life Public Service Health Care Plan. It is a health care plan provided to Canadian public service employees and their dependents.
How does Sun Life PSHCP work?
Sun Life PSHCP provides coverage for a wide range of health care services, including prescription drugs, dental care, vision care, and paramedical services. Employees contribute to the plan through payroll deductions, and the plan reimburses them for eligible expenses.
What are the eligibility requirements for Sun Life PSHCP?
To be eligible for Sun Life PSHCP, an individual must be a Canadian public service employee, a member of the Canadian Armed Forces, or a Royal Canadian Mounted Police (RCMP) member. Dependent coverage is also available for eligible family members.
What are the benefits of Sun Life PSHCP?
The benefits of Sun Life PSHCP include coverage for prescription drugs, dental care, vision care, paramedical services, hospital stays, and more. The plan also provides coverage for travel health services and mental health services.
How do I make a claim with Sun Life PSHCP?
To make a claim with Sun Life PSHCP, you need to complete a claim form and submit it along with any supporting documents, such as receipts or invoices, to Sun Life. Claims can be submitted online, by mail, or through the Sun Life mobile app.