Frequently asked questions How do I file a Long-Term Disability claim? earnings. For more information, contact your benefits If you become disabled after the effective date of administrator. coverage, check with your employer to make sure you How is my benefit taxed? are eligible for benefits. You can file a claim with us by If you or your employer pays for all or part of the cost downloading forms from our website. We’ll ask you of coverage on a pre-tax basis, all or part of your and your doctor to provide information about your benefit amount will be Form W-2 taxable income. In medical condition and your expected recovery. these situations, FICA tax deductions may reduce the How do I qualify for benefits? amount we will pay you. You’ll start receiving disability payments if you satisfy the Elimination Period (see “When benefits begin” in the table) and meet the policy’s definition of disability. Generally, disability is defined as your inability to perform some or all of your job duties due to your injury, illness or pregnancy and may require that you have also had a certain percentage of earnings loss due to your disability. Please see your Certificate for details. What if I have a pre-existing condition? If you become disabled within 12 months of your insurance taking effect or 12 months following any increase in your amount of insurance, we will not pay any benefit for any pre-existing condition. A pre- existing condition includes anything you have sought treatment for in the 3 months prior to your insurance becoming effective. Treatment can include consultation, advice, care, services or a prescription for drugs or medicine. Can I work while I’m disabled? Your plan is designed to encourage and support your return to work. If you are able to work part-time, for example, you may receive part of your benefit while working. Will income from other sources affect my benefit? Your benefit may be reduced by Social Security benefits; disability benefits from retirement, government plans or state disability income; other group disability plans; no-fault benefits, salary continuance or sick leave; and return-to-work The group disability insurance policies described in this advertisement provide disability income insurance only. 1. “Chances of disability,” Council for Disability Awareness, disabilitycanhappen.org, last accessed April 2019. Read the Important information section for more details including limitations and exclusions. 800-247-6875 • sunlife.com/us Long-Term Disability Insurance