EN | FR

Sun Life Will Be the NEW Carrier for Health and Dental Coverages

Other Important Information

• Beginning January 1, Sun Life will also be the NEW administrator of the Health Care Spending Accounts (HCSAs). In addition, we'll begin to refer to your account as a Health Spending Account (HSA). To-date, the HSA had an expense carry forward feature—meaning you were able to use next year’s HSA funds (if available) to cover the prior year’s out-of-pocket eligible expenses. With the move to Sun Life, however, an administrative change will apply for this transition year only. That said, if you still have an unused 2026 HSA balance, be sure to submit 2026 claims to GreenShield by December 31, 2026. If you don’t, you’ll forfeit any unused HSA balance. Beginning January 1, you’ll only be able to use your 2027 HSA funds (if available) toward eligible out-of-pocket expenses incurred in 2027.
• If you’re currently set up to receive Health and/or Dental claim reimbursements via direct deposits into your bank account, your current direct deposit information won’t transfer to Sun Life (you’ll receive more information on how to set up direct deposit directly from Sun Life closer to January 1).
• Beginning January 1, 2027, you’ll begin to have access to the Sun Life Customer Care Centre. Representatives will be available to answer your Health and Dental coverage-specific questions at that time.

You can expect to receive your NEW ID/Drug Card in mid-December and your Welcome Letter toward the end of December. Sun Life will mail each separately to your home address on file. Keep an eye out for these important Sun Life materials!

We’re working closely with both GreenShield and Sun Life to make this move as seamless as possible. If you have any questions as we’re transitioning prior to January 1, please contact the Mondelēz Canada Benefits Centre at 1-800-641-1500 (Option 1 – Benefits; Option 1 – Health & Welfare Benefits). Representatives are available Monday through Friday, 8:30 a.m. to 5:00 p.m. (Eastern Time).

With our move to Sun Life, we’re also excited to add Virtual Health Care (VHC) as part of your Health coverage! With VHC, you’ll have 24/7 access to physical and mental health care practitioners (as permitted in each province) via an integrated platform. VHC will enable you to quickly access medical care virtually and proactively address health concerns when and where it’s convenient for you, including:

• Scheduling appointments, typically within 24 hours.
• Renewing prescriptions or obtaining refills when clinically indicated (certain exceptions apply).
• Accessing a wide range of health and wellness resources, including a multidisciplinary medical team to help treat non-urgent health concerns, through a single app.
• Completing online medical assessments.
• Getting specialist referrals.

If you’re enrolled for either Family Basic Health or Enhanced Health coverage for 2027, you and your covered dependents will have access to Sun Life’s VHC services beginning January 1, 2027. If you’re enrolled in Single coverage and have dependents, your dependents won’t have access to VHC. And, if you waive Health coverage for 2027, you also won’t be able to access VHC with Sun Life. Look for more information on Benefits Made Right once VHC is available!

• The Core and Optional coverage options available and their provisions will stay the same for 2027—except for the VHC enhancement being made to Health coverage through Sun Life.
• Sun Life will continue to be the carrier for your Life, Accidental Death and Dismemberment (AD&D), and Disability coverages. Sutton Special Risk will continue to be the carrier for your Critical Illness Insurance. For details on how to reach each carrier for these coverages, visit the CONTACT INFO & APPS section.
• Even with the move to Sun Life, your Health and Dental coverages (Basic and Enhanced) generally will not change. This means there won’t be any changes to covered services or how the Flexible Benefits Program pays benefits. See a snapshot of the Health and a snapshot of the Dental coverage options for details (your Sun Life Benefits Booklet will be available in the MyBenefits Online's Resource Library after January 1). Important Note: Carriers apply their own administrative guidelines when defining Reasonable and Customary (R&C) limits and determining eligible expenses. As a result, you may see slight differences in how Sun Life processes Health and Dental claims when compared to GreenShield.

* If you’re a full-time employee and you currently have LTD coverage at a level higher than 60% through an Enhanced LTD option, you can continue that coverage until you elect otherwise. If you do choose to retain the higher coverage level, you’ll continue to pay the additional premium and will have $400 in Flex Credits to use toward the rest of your Optional coverages.