Canada Post labour dispute and potential mail disruption: What to know

Cheques – New Business (new policy payments and existing premium payments)

• Encourage Clients to switch to PAC or Internet Banking

In force policy payments

•  Encourage Clients to switch to PAC or Internet Banking

Cheques – New Business

Inforce policies- withdrawal and policy change requests

• Encourage Clients to switch to PAC 
• If there is an active PAC, we'll send by EFT.
• If there is no active PAC, encourage Clients to switch to EFT.
• Use Esignature options for requests requiring signatures.

Individual Life Claims

• If a postal disruption occurs, submit Client claims using e-claims for Individual Life products. 
• You can upload life claim requirements through the e-claim submission. 
• You can also provide a void cheque for EFT payments.  If you need to deliver a cheque to a beneficiary in person, we can courier to your firm’s address.

Individual Critical Illness

•  If a postal disruption occurs, scan Critical Illness claim documents and email to disable@sunlife.com or fax to 1-866-255-5825.
• When sending documents, include the full name of the policy holder and the policy number. If you don't have the policy number, please include the insured’s date of birth.
• Please provide EFT details via void cheque for payment.

Long Term Care

• If a postal disruption occurs, scan and email Long Term Care documents to LTCclaims@sunlife.com or fax to 1-866-255-5825. 
• When sending documents, please include the full name of the policy holder and the policy number. If you don't have the policy number, please include the insured’s date of birth.
• Please provide EFT details via void cheque for payment.

New Business Policy Booklets

• Encourage Clients to create their profile on Sunlife.ca

Other communications and correspondence

All communications will be held by mail services with the exception of the following which will be couriered:

• Lapse notices
• PAC return notices

If mail volumes exceed courier capacity, please note we may experience delays.

You'll continue to receive the communications that you do today. We encourage you to reach out to Clients for items that require action.

New Business

• PAC or Wire transfer (depending on product)

Monthly or annual cheque

• Switch to EFT or PAC

Individual Life Claims

• If a postal disruption occurs, submit Client claims using e-claims for Individual Life products. 
• You can upload life claim requirements through the e-claim submission. 
• You can also provide a void cheque for EFT payments. If you need to deliver a cheque to a beneficiary in person, we can courier to your firm’s address.

Individual Critical Illness

• If a postal disruption occurs, scan Critical Illness claim documents and email to disable@sunlife.com or fax to 1-866-255-5825.
• When sending documents, include the full name of the policy holder and the policy number. If you don't have the policy number, please include the insured’s date of birth.
• Please provide EFT details via void cheque for payment.

Long Term Care

• If a postal disruption occurs, scan and email Long Term Care documents to LTCclaims@sunlife.com or fax to 1-866-255-5825. 
• When sending documents please include the full name of the policy holder and the policy number. If you don't have the policy number, please include the insured’s date of birth. 
• Please provide EFT details via void cheque for payment.

Year End Statements

• We'll hold statements until mail resumes or email to the advisor where applicable.

Welcome Letters and New Contracts

• We'll hold welcome letters and new contracts until mail resumes or email to the advisor where applicable.

Life Claim submission

• Use E-claim

Any type of payment via cheque

• Processed using EFT (outbound)  
• Process payment using EFT or Internet Banking 

Commission cheques for advisors

• Pay/receive commissions through EFT. We'll ask you for banking information

Garnishment cheques

• We'll use a specific dollar threshold to decide if we hold cheques until postal disruption is over. If the cheque has a high value, we'll courier.

Bermuda Government for Tax remittance (quarterly)

• We'll courier these cheques to help avoid interest charges.

Termination letters for Terminated Advisors (including Group)

• We'll look to digitize this work as soon as possible. In the meantime, we'll hold the letters. If required letters will be sent by email.