Sanofi myFlex benefits help keep you All Well

To participate in the Sanofi myFlex Extended Health Care Plan, you and your dependents must meet the following eligibility requirements.

When you choose your Extended Health Care Plan, you select one of the following coverage categories.

Important:

You can select different coverage categories for your Extended Health Care and Dental Plans.

Your needs for Extended Health Care coverage may vary according to your individual circumstances and family situation. You may have no other source of health coverage outside your provincial plan, or you may have coverage through your spouse’s employer or another personal extended health care plan. Everyone’s needs are different, so the Extended Health Care Plan gives you four options to choose from so you can tailor the plan to suit your unique needs:

• Plan One – provides catastrophic coverage only 
  (for employees who have coverage under another plan or have minimal health care needs and prefer the flexibility of paying for services used with Health Spending Account dollars)
• Plan Two – provides basic coverage
  (for employees with minimal health care needs and/or who have coverage under another plan)
• Plan Three – provides comprehensive coverage
  (for employees with average health care needs and/or who may have coverage under another plan)
• Plan Four – provides the highest level of coverage
  (for employees with significant health care needs who do not have coverage under another plan)

You can change your plan during each open enrollment period or if you have an eligible life event. During open enrollment, you can also move up or down as many plan options as you wish (for example, from Plan One to Plan Three).

You may consider coordinating your benefits coverage with your spouse’s plan to maximize the reimbursement you can receive for your expenses.

Important note for fixed-term contract (FTC) employees

If you are a fixed-term contract (FTC) employee who is eligible to join Sanofi myFlex, you will automatically be placed into Extended Health Care Plan Three at no cost to you. Don’t forget, you still need to add or update your dependents’ information during open enrollment to make sure they are covered by Sanofi myFlex.

Maximums shown are per covered person. 
Covered expenses will not exceed reasonable and customary charges in the regional area where the service and supplies are provided.

Why do paramedical practitioners have combined maximums?

The majority of employees use one or two paramedical practitioners at most and often don’t claim the maximum amount. Individual maximums for each paramedical practitioner also limit how much you can claim for the practitioners you actually use most. Combined maximums give employees a larger maximum to use and greater control over where and how they want to use their benefits.

The 2023-2024 flex credits and premiums for your Extended Health Care Plan options are shown in the table below. 

* Annual payroll deduction amounts, if required, are spread across each of your regular bi-weekly pay periods during the year.
** The $300 Wellness flex credits can be used to help minimize payroll deductions to reduce your annual costs. There is a total of $300 Wellness flex credits available per benefit year.

To be eligible for coverage, your drugs must:

• Be prescribed by a person entitled by law to prescribe them
• Dispensed by a person entitled by law to dispense them
• Legally require a prescription
• Have a Drug Identification Number (DIN)

The maximum amount you can have filled at one time for one prescription is a three-month supply.

Pay direct drug card

Your Sun Life Benefit Card is your pay direct drug card. This card allows you to pay only the percentage of the cost not covered under your Extended Health Care Plan when you fill your prescription.

Your digital Sun Life Benefit Card is available at mysunlife.ca and on the my Sun Life mobile app once you enroll in the Extended Health Care Plan. A plastic card will not be issued.

If you are covered under your spouse’s plan, you may be able to submit the amount not covered by Sanofi myFlex (the co-insurance) to that plan for reimbursement. See Coordinating health benefit claims with another program below.

If you are over 65

If you are over age 65 and are required to pay a drug benefit co-pay or deductible under your provincial prescription drug program, you can submit these expenses to your Extended Health Care Plan for reimbursement.

If you live in Quebec

Legislation requires Sun Life to follow the RAMQ (The Régie de l’assurance maladie du Quebec) reimbursement guidelines for all residents of Quebec.

If any provisions of this plan do not meet the minimum requirements of the RAMQ plan, adjustments are automatically made to meet RAMQ requirements.

If you live in Quebec and you choose Plan One for Extended Health Care, drug claims will be paid in accordance with RAMQ guidelines.

Depending on the Extended Health Care Plan you select, a semi-private or a private room (if available) in a hospital or the government-authorized co-payment for accommodation in a nursing home is covered when provided in Canada, and the treatment received is acute, convalescent, or palliative care.

• Acute care is active intervention required to diagnose or manage a condition that would otherwise deteriorate
• Convalescent care is active treatment or rehabilitation for a condition that will significantly improve as a result of the care and follows a 3 day confinement for acute care.
• Palliative care is treatment for the relief of pain in the final stages of a terminal condition.

Eligible paramedical practitioners include registered:

Eligible paramedical practitioners must be licensed by their provincial regulatory agency or a registered member of a professional association, and Sun Life must recognize that association. Contact the Sun Life Contact Centre to confirm practitioner eligibility.

Note: Podiatry services are not eligible until your provincial health insurance plan annual maximums have been exhausted.

Eligible medical health practitioners include registered:

Counselling services by a registered mental health service provider are covered for up to $2000 per benefit year per covered individual under Sanofi myFlex regardless of your choice of plan. If you select Plan One, mental health services are not subject to the annual deductible.

For more information about mental health support services provided by Sanofi, please visit All Well Canada.

You are covered for reasonable and customary charges for a range of medical supplies and services. Some items may require a pre-estimate. To confirm eligibility before you purchase or rent equipment, you or your service provider should submit the applicable pre-estimate to Sun Life. The pre-estimate information is available on mysunlife.ca.

Depending on the Extended Health Care Plan you select, eligible vision care expenses include reimbursement for the services performed by a licensed optometrist or ophthalmologist for:

Out-of-country and province emergency medical coverage provides protection to you and your family when you travel outside of Canada or your home province.

Sun Life’s travel assistance provides access to a global network of multilingual assistants who can direct you to the nearest, most appropriate physicians and healthcare facilities when you’re travelling out of country.

Your travel medical card and details of your coverage are available on mysunlife.ca or the Sun Life mobile app.

Visit the Submit a Claim section of the Sun Life plan member website or the my Sun Life mobile app to submit a claim online.

Direct payment to service providers

Your medical and paramedical service providers (e.g., physiotherapists) may be able to bill Sun Life directly, and payment will be made directly to the provider.

This benefits you, the program member, because you do not have to wait to receive your claims payment nor do you have to pay out-of-pocket up front (other than for your portion of the benefit).

There are more than 29,000 healthcare providers signed up for Provider eClaims across Canada. To find out if your providers are registered, check out the provider listing mysunlife.ca.

If your provider cannot bill Sun Life directly, you must pay for the full amount of the healthcare services and submit a claim online for reimbursement.

Coordinating benefit claims is a process that allows you to submit Extended Health Care claims to more than one plan. By doing so, you can maximize the reimbursement you receive (up to 100% of the claim) and limit your out-of-pocket expenses.

You can coordinate benefits for:

• Yourself
• Your spouse
• Your dependent children.

To coordinate benefit claims, you must enroll your spouse and/or child(ren) as dependents in Sanofi myFlex. Your spouse must also enroll you and/or your child(ren) in their benefits program.

When you submit a claim, if the first plan does not cover your full expense, you can submit the remaining amount to the second plan and be reimbursed up to 100% of the cost. Covered expenses will not exceed reasonable and customary charges and plan maximums.

If you and your spouse both have extended health care coverage, be sure to provide your coordination of benefit claims information to the pharmacy or your service provider on your first visit. Once they have this information on file, your pharmacist and/or your provider can also coordinate coverage for your prescription drugs and other Extended Health Care services.

When you coordinate benefit claims, there is an order in which you must submit your claims:

Important to know…

If you are divorced, legally separated, or have remarried or entered into a common-law relationship with another individual, the process for submitting claims for your children will depend on your custody arrangement (see chart below).

In all cases, to coordinate benefits, you and your ex-spouse must both enroll your child(ren) as a dependent in your respective benefit plans.

*Your new spouse must enroll your child(ren) as a dependent in their benefits program. If there is still an unpaid portion of an expense remaining after it is submitted to Sanofi myFlex, the claim should then be submitted to your new spouse’s plan (provided they have enrolled your child as a dependent).
**Your ex-spouse’s new spouse must enroll your child(ren) as a dependent in their benefits program. If there is still an unpaid portion of an expense remaining after it is submitted to your ex-spouse’s program, the claim should then be submitted to your ex-spouse’s new spouse’s plan (provided they have enrolled your child as a dependent).

Coordinating claims for dependent adult children attending an accredited educational institution 

Benefit claims for your dependent child(ren) who are under age 26 and a full-time student at an accredited educational institution should be submitted to their school’s benefits plan first.

If any employer cost (including flex credits) is transferred to any of the following accounts, the amount transferred is a taxable benefit for you:

• Wellness Spending Account (taxable when claimed)
• Group Tax-Free Savings Account (Group TFSA) with Sun Life (taxable when deposited)

Any amount Sanofi contributes to the above accounts is added to your taxable income for both your federal and provincial taxes. The amount paid by Sanofi for all your other benefits is tax-free in all provinces except Quebec.

If you live in Quebec, any amount that Sanofi pays for Extended Health Care coverage is also a taxable benefit to you for provincial tax purposes.

Residents of Ontario and Quebec are required to pay Sales Tax on all insurance premiums. Residents of Manitoba are required to pay Sales Tax on all insurance premiums except for Extended Health Care and Dental coverage.

Your Sanofi myFlex coverage ends at the earlier of the date you:

• Retire
• Terminate your employment
• No longer meet the eligibility requirements
• Pass away

Coverage for your spouse or dependent children

Coverage for your spouse or your dependent children ends when you are no longer eligible to participate in Sanofi myFlex or when they no longer meet the eligibility requirements.

You are required to cancel the Sanofi myFlex coverage for your children and/or spouse at the point you no longer have an eligible spouse and/or eligible dependent children.

To participate in the Dental Plan, you and your dependents must meet the following eligibility requirements.

When you choose your Dental coverage, you also select one of the following coverage categories.

Important:
You can select different coverage categories for your Extended Health Care and Dental Plans.

Everyone’s dental needs are different. The Dental Plan gives you four plan options to choose from so you can tailor the plan to suit your unique needs:

• Plan One – provides no coverage 
  (for employees who have coverage under another plan or have minimal dental care needs and prefer the flexibility of paying for services with Health Spending Account (HSA) dollars)
• Plan Two – provides basic coverage
  (for employees with minimal dental needs and/or who have coverage under another plan)
• Plan Three – provides comprehensive coverage
  (for employees with average dental needs and/or who may have coverage under another plan)
• Plan Four – provides the highest level of coverage
  (for employees with significant dental needs who do not have coverage under another plan)

The reimbursement you receive for your dental expenses depends on the Dental Plan you select.

You can change your plan during each open enrollment period or if you have an eligible life event. During open enrollment you can move up or down as many plan options as you wish (for example, from Plan Four to Plan Two).

Important note for fixed-term contract (FTC) employees

If you are a fixed-term contract (FTC) employee who is eligible to join Sanofi myFlex, you will automatically be placed into Dental Plan Three at no cost to you. Don’t forget, you still need to add or update your dependents’ information during open enrollment to make sure they are covered by Sanofi myFlex.

Coverages shown are per covered person.
Plan pays based on current provincial fee guide.
Combined annual maximum does not include orthodontia maximum.

The 2023-2024 flex credits and premiums for your Dental Plan are shown in the table below. 

*Annual payroll deduction amounts, if required, are spread across each of your regular bi-weekly pay periods during the year.
**The $300 Wellness flex credits can be used to help minimize payroll deductions to reduce your annual costs. There is a total of $300 Wellness flex credits available per benefit year.

Depending on the plan option you select, a range of basic, major, and orthodontic services may be covered under the Dental Plan.

Basic services

Basic dental services are designed to help you maintain healthy teeth and gums. These types of services include:

Major services

Major dental services include:

• Crowns
• Onlays
• Standard complete dentures, denture-related surgical services and denture and bridgework maintenance

Orthodontia

Covered orthodontic services are designed to help position teeth and bite in a normal and harmonious relationship and bite.

Orthodontia is covered for both children and adults.

The dental association of each province (except Alberta) publishes a dental fee guide every year.

• The published dental fee guide lists suggested charges for each dental procedure.
• Dentists may charge more or less than the suggested fees.
• Sanofi myFlex covers costs up to the suggested amount in the dental fee guide for the current year.
• For Alberta, the insurer sets its own dental fee guide that reflects the fees currently charged by most dental offices (most of the time) across Alberta.

Please note:
Sanofi myFlex will not pay for charges exceeding the dental fee guide, including dental specialist fees. If the dentist charges more than what is published in the dental fee guide, your Dental Plan does not cover the higher amount. It’s a good idea to bring this to your dentist’s attention and discuss the fees with your dentist before you undergo a particular procedure.

Alternative treatment

The Dental Plan will reimburse the amount shown in the dental fee guide for the least expensive service or supply, provided that both courses of treatment are a benefit under the plan.

If you aren’t sure whether the Dental Plan covers a specific procedure, or if you expect major or unusual expenses, call Sun Life before you begin treatment to find out if you are covered.

For all proposed treatment for crowns, onlays, and bridges, your dentist must complete and submit an estimate to Sun Life for assessment. Sun Life’s assessment of the proposed treatment may result in a lesser benefit being payable or may result in benefits being denied. Failure to submit an estimate prior to beginning your treatment will result in the delay of the assessment.

Except in the case of an emergency, if your dentist expects all other treatments to cost more than $300, you should have your dentist send the proposed treatment plan to Sun Life before beginning treatment.

Visit the Submit a Claim section of the Sun Life plan member website, mysunlife.ca or the my Sun Life mobile app to submit a claim online.

Direct payment to the service providers

Your dental care service providers may be able to bill Sun Life directly, and payment will be made directly to the provider. This allows you to pay only the percentage of the cost not covered under your Dental Plan option when you visit your dentist.

If your provider cannot bill Sun Life directly, you must pay for the full amount of the services and submit a claim online for reimbursement.

You may need to provide your Sun Life Benefit Card to your dentist. Your digital Sun Life Benefit Card is available at mysunlife.ca and on the my Sun Life mobile app once you enroll in the Dental Plan. A plastic card will not be issued.

If you are covered under your spouse’s plan, you may be able to submit the amount not covered by Sanofi myFlex (the co-insurance) to that plan for reimbursement. See “Coordinating Dental benefit claims with another program” below.

Coordinating benefit claims is a process that allows you to submit Dental claims to more than one plan. By doing so, you can maximize the reimbursement you receive (up to 100% of the claim) and limit your out-of-pocket expenses.

You can coordinate benefit claims for:

• Yourself
• Your spouse
• Your dependent children.

To coordinate benefit claims, you must enroll your spouse and/or child(ren) as dependents in Sanofi myFlex. Your spouse must also enroll you and/or your child(ren) in their benefits program.

When you submit a claim, if the first plan does not cover your full expense, you can submit the remaining amount to the second plan and be reimbursed up to 100% of the cost. Covered expenses will not exceed reasonable and customary charges and plan maximums.

If you and your spouse both have dental coverage, be sure to provide your coordination of benefit claims information to your service provider on your first visit. Once they have this information on file, your provider may be able to coordinate coverage for your prescription drugs.

When you coordinate benefit claims, there is an order in which you must submit your claims:

Important to know…

If you are divorced, legally separated, or have remarried or entered into a common-law relationship with another individual, the process for submitting claims for your children will depend on your custody arrangement (see chart below).

In all cases, to coordinate benefits, you and your ex-spouse must both enroll your child(ren) as a dependent in your respective benefit plans.

*Your new spouse must enroll your child(ren) as a dependent in their benefits program. If there is still an unpaid portion of an expense remaining after it is submitted to Sanofi myFlex, the claim should then be submitted to your new spouse’s plan (provided they have enrolled your child as a dependent).
**Your ex-spouse’s new spouse must enroll your child(ren) as a dependent in their benefits program. If there is still an unpaid portion of an expense remaining after it is submitted to your ex-spouse’s program, the claim should then be submitted to your ex-spouse’s new spouse’s plan (provided they have enrolled your child as a dependent).

Coordinating claims for dependent adult children attending an accredited educational institution 

Benefit claims for your dependent child(ren) who are under age 26 and a full-time student at an accredited educational institution should be submitted to their school’s benefits plan first.

If any employer cost (including flex credits) is transferred to any of the following accounts, the amount transferred is a taxable benefit for you:

• Wellness Spending Account (taxable when claimed)
• Group Tax-Free Savings Account (Group TFSA) with Sun Life (taxable when deposited)

Any amount Sanofi contributes to the above accounts is added to your taxable income for both your federal and provincial taxes. The amount paid by Sanofi for all your other benefits is tax-free in all provinces except Quebec.

If you live in Quebec, any amount that Sanofi pays for Dental coverage is also a taxable benefit to you for provincial tax purposes.

Residents of Ontario and Quebec are required to pay Sales Tax on all insurance premiums. Residents of Manitoba are required to pay Sales Tax on all insurance premiums except for Extended Health Care and Dental coverage.

Your Sanofi myFlex coverage ends at the earlier of the date you:

• Retire
• Terminate your employment
• No longer meet the eligibility requirements
• Pass Away

Coverage for your spouse or dependent children

Coverage for your spouse or your dependent children ends when you are no longer eligible to participate in Sanofi myFlex or when they no longer meet the eligibility requirements.
You are required to cancel the Sanofi myFlex coverage for your children and/or spouse at the point you no longer have an eligible spouse and/or eligible dependent children.

No one ever wants to think about something bad happening – like an accident or an illness. Unfortunately, we all know at least one person this has happened to. Sanofi myFlex ensures your financial security during a short-term medically related absence, so you don’t need to worry about it.

If you are temporarily sick or injured and unable to work, Sanofi will continue to pay a percentage of your regular earnings, based on your service, for up to 52 weeks (effective January 1, 2024). The first five business days are considered an elimination period and must be entered as sick time in e-Time. The elimination period is waived if you are hospitalized. 

Short-Term Disability (STD) coverage is a core benefit that is fully paid for by Sanofi. 

“It won’t happen to me.” We’d all like to think that. But the reality is we never know when a serious illness or injury will strike. We all know at least one person who has been afflicted with a serious illness or who has been seriously injured in an accident. And, all too often, these disabilities occur at a much too young age. In fact, many would argue that Long-Term Disability Insurance is even more important than Life Insurance:

Long-Term-Disability (LTD) is a separate insurance that provides a critical safety net while you’re unable to work. While many of us understand the importance of life insurance, the truth is that insurance against an accident or disease that prevents you from working is arguably even more important. A typical 30-year-old has a four times greater chance of becoming disabled than he does of dying before age 65. A full one in six Canadians will be disabled for three months or more before the age of 50.
– MoneySense magazine, May 2019 –

Long-Term-Disability (LTD) is a separate insurance that provides a critical financial safety net while you’re unable to work. Not everyone has savings or a “rainy day fund” to support them through the months – or years – it may take them to recover. LTD Insurance replaces a percentage of your income to ensure you have financial protection when you really need it.

To ensure everyone has at least a base level of protection, LTD coverage is a core benefit and Option One and Two are fully paid for by Sanofi. If you choose to select the higher protection offered by Option Three, you will pay a portion of the cost through regular bi-weekly payroll deductions. It’s important to note that because Sanofi pays all or a portion of the cost for this coverage (depending on the option you choose), any benefit payments received are taxable.

To participate in the Basic Life Insurance Plan, you and your dependents must meet the eligibility requirements in the table below. Optional Life Insurance is available to permanent salaried employees only.

Sanofi myFlex provides you with flexible employee Basic Life Insurance options. You can select coverage equal to two times your annual earnings in Option One, up to $800,000 rounded up to the next highest $1,000. However, if you do not require the highest level of coverage (i.e., you have sufficient coverage through a private life insurance plan), you have the choice to select either Option Two or Option Three, which provide lower levels of coverage. If you select either of these options, additional flex credits will be “released” for you to use to fund one or more of the following:

• Higher Extended Health Care Plan options
• Higher Dental Plan options
• Healthcare Spending Account (HSA)
• Wellness Spending Account
• Group Tax-Free Savings Account (Group TFSA) with Sun Life

Important

The option you select for Basic Life Insurance will be the same option you receive for Basic Accidental Death & Dismemberment Insurance (AD&D).

Sanofi myFlex also provides you with Basic Life Insurance for your spouse and dependent child(ren).

* Benefit applies to all eligible children

Important note for fixed-term contract (FTC) employees

If you are a fixed-term contract (FTC) employee who is eligible to join Sanofi myFlex, you will automatically be placed into Basic Life Insurance Option One at no cost to you. Don’t forget, you still need to designate or confirm your Life Insurance beneficiary(ies) during open enrollment to make sure they are up to date.

Basic Life Insurance is a core benefit and all options are fully paid for by Sanofi. If you wish, you can select the higher protection offered by Option One. However, if you do not require a high level of coverage, you can select Option Two or Option Three, which provide lower coverage. If you select one of these lower options, additional flex credits will be “released” for you to use to fund one or more of the following:

• Higher Extended Health Care Plan options
• Higher Dental Plan options
• Healthcare Spending Account (HSA)
• Wellness Spending Account
• Group Tax-Free Savings Account (Group TFSA) with Sun Life

*The option you select for Basic Life Insurance will be the same option you receive for Basic Accidental Death & Dismemberment Insurance (AD&D). The credit release percentages noted above apply to your combined Basic Life /Basic AD&D selection.

If you have additional life insurance needs, you may choose to buy additional Optional Life Insurance for:

• Yourself
• Your spouse
• Your dependent child(ren).

Your coverage options for Optional Life Insurance are:

* Benefit applies to all eligible children

The cost of Optional Life Insurance for you and/or your spouse is based on age, gender, and smoker status. To be considered a non-smoker, you must not have smoked or vaped tobacco and/or nicotine products for 12 consecutive months. The cost of Optional Life Insurance for your child(ren) is based on a flat rate.

You pay for the cost of Optional Life Insurance through payroll deductions.

Example:
If you want $50,000 of coverage (or 50 units) and you are
a 42-year-old male smoker…
$0.139 x 50 units = $6.95 per month

Example:
If you want $15,000 of coverage (or 15 units) for your child(ren)…
$0.228 x 15 units = $3.42 per month

To be considered a non-smoker, you (and/or your spouse) must not have smoked or vaped tobacco and/or nicotine products for at least 12 consecutive months.

If you and/or your spouse start to smoke or vape, you must declare your smoking status. You must tell the Benefit Centre immediately by completing the applicable declaration form. If you don’t, you and/or your spouse’s Optional Life Insurance coverage may become invalid.

If you and/or your spouse stop smoking or vaping for at least 12 consecutive months, you may change your smoking status to non-smoker.

You may change your (and/or your spouse’s) smoking status at any time by contacting the Benefit Centre.

If you wish to purchase Optional Life Insurance for yourself during your initial enrollment, you can select any increment of $10,000 up to $100,000 without submitting an Evidence of Insurability (EOI) Form. You can also select up to $10,000 in Optional Life Insurance for your spouse. If you select any amount above these thresholds, you and your spouse will be required to submit an EOI Form.

If you wish to purchase any amount of Optional Life Insurance for yourself or your spouse at any other time, you will be required to submit an EOI Form. Evidence of insurability is never required for Basic Life Insurance or Life Insurance coverage for dependent child(ren).

Coverage will begin automatically once your enrollment or change has been processed.

Your designated beneficiary is one or more individuals or organizations who you wish to receive your Sanofi myFlex Life Insurance benefits in the event of your passing.

You can designate any person and/or organization as your beneficiary. You can also designate more than one beneficiary. If you name only one primary beneficiary for your benefit, you might want to consider naming a contingent beneficiary as well. A contingent beneficiary is the person to whom you assign your Life Insurance benefits in the event your primary beneficiary passes.

If a beneficiary is under your provincial age of majority (usually 18 or 19), you should also designate a trustee for that beneficiary.

When you designate a beneficiary, the benefit is paid on a non-taxable basis. If you do not name a beneficiary or trustee, any benefits payable will go to your estate and will be subject to income tax.

You are automatically the beneficiary of any spousal and/or dependent Life Insurance you purchase.

You can designate or change your beneficiary at any time through the Benefit Centre online portal.

If you live in Quebec
If you designate your spouse as your beneficiary, the designation is “irrevocable” unless you declare otherwise. An irrevocable designation means you cannot change your beneficiary unless your spouse agrees in writing. If you declare the designation is “revocable” when you first make it, you can change it without your spouse’s consent.

Outside Quebec, all designations are revocable unless you specify otherwise.

To make a Life Insurance claim, you (or your beneficiary) should contact the Benefit Centre for instructions.

Any benefit payments received from the Basic Life Insurance Plan are not subject to income tax. The cost of Basic Life Insurance coverage, paid for by Sanofi, is a taxable benefit for you.

Any amount Sanofi contributes to your Basic Life Insurance coverage is added to your taxable income for both your federal and provincial taxes. The amount paid by Sanofi for all your other benefits is tax-free in all provinces except Quebec.

Residents of Ontario and Quebec are required to pay Sales Tax on all insurance premiums. Residents of Manitoba are required to pay Sales Tax on all insurance premiums except for Extended Health Care and Dental coverage.

If Life Insurance coverage for you and/or your spouse ends or reduces, you may apply to Sun Life to convert your group Life Insurance coverage to an individual Life Insurance policy without providing evidence of insurability.

You must make your request to convert your coverage within 31 days of the reduction or end of the Life Insurance coverage. If you die during this 31-day period, the amount of Life Insurance available for conversion will be paid to your beneficiary or estate, even if you did not apply for conversion.

There are a number of rules and conditions in the Sanofi myFlex Life Insurance Plan that apply to converting this coverage. In all cases, the amount of the individual Life Insurance policy cannot exceed $200,000.

Note: If your Life Insurance coverage ends because you stop paying the required premiums or you reach the earlier of your retirement date or age 70, you will not be eligible to convert your coverage.

For more information on the conversion privilege, please contact Sun Life.

To participate in the Basic AD&D Insurance Plan, you must meet the eligibility requirements in the table below. Optional employee and dependent AD&D Insurance is available to permanent salaried employees only.

Sanofi myFlex provides you with flexible Basic AD&D Insurance options. You can select coverage equal to two times your annual earnings in Option One, up to $800,000 rounded up to the next highest $1,000. However, if you do not require the highest level of coverage, you have the choice to select either Option Two or Option Three, which provide lower levels of coverage. If you select either of these options, additional flex credits will be “released” for you to use to fund one or more of the following:

• Higher Health Plan options
• Higher Dental Plan options
• Healthcare Spending Account (HSA)
• Wellness Spending Account
• Group Tax-Free Savings Account (Group TFSA) with Sun Life

Important

The option you select for Basic Life Insurance will be the same option you receive for Basic Accidental Death & Dismemberment Insurance (AD&D).

Important note for fixed-term contract (FTC) employees

If you are a fixed-term contract (FTC) employee who is eligible to join Sanofi myFlex, you will automatically be placed into Basic AD&D Insurance Option One at no cost to you. Don’t forget, you still need to designate or confirm your AD&D beneficiary(ies) during open enrollment to make sure they are up to date.

Basic AD&D Insurance is a core benefit and all options are fully paid for by Sanofi. If you wish, you can select the higher protection offered by Option One. However, if you do not require a high level of coverage, you can select Option Two or Option Three, which provide lower coverage. If you select one of these lower options, additional flex credits will be “released” for you to use to fund one or more of the following:

• Higher Extended Health Care Plan options
• Higher Dental Plan options
• Healthcare Spending Account (HSA)
• Wellness Spending Account
• Group Tax-Free Savings Account (Group TFSA) with Sun Life

*The option you select for Basic AD&D Insurance will be the same option you receive for Basic Life Insurance. The credit release percentages noted above apply to your combined Basic Life /Basic AD&D selection.

If you choose, you can purchase additional Optional Accidental Death & Dismemberment (AD&D) Insurance for:

• Yourself
• Your spouse
• Your dependent child(ren).

Your coverage options for Optional AD&D Insurance are:

* Benefit applies to all eligible children

The cost of any Optional Accidental Death & Dismemberment (AD&D) Insurance you purchase for yourself, your spouse, or your dependent child(ren) depends on the amount of coverage you select and can be paid through regular payroll deductions.

Example:
If you want $100,000 of Optional AD&D coverage (or 100 units) for yourself
and $25,000 of Optional AD&D coverage (or 25 units) for your child(ren)…

• $0.03 x 100 units = $3.00 per month
• $0.09 x 25 units = $2.25 per month
• Total = $5.25 per month

If you are injured during an accident and the injury is covered, you will receive any Basic and/or Optional Accidental Death & Dismemberment (AD&D) Insurance benefits payable under Sanofi myFlex.

If you pass away, your designated beneficiary will receive any Basic and/or Optional AD&D Insurance benefits payable under Sanofi myFlex. You may designate any person and/or organization as your beneficiary. You may also designate more than one beneficiary.

If you do not designate a beneficiary, any benefits payable will go to your estate and will subject to income tax.

You can designate or change your beneficiary at any time through the Benefit Centre online portal.

You are automatically the beneficiary of any AD&D Insurance you purchase for your spouse and/or dependent child(ren).

If you live in Quebec

If you designate your spouse as your beneficiary, the designation is “irrevocable” unless you declare otherwise. An irrevocable designation means you cannot change your beneficiary unless your spouse agrees in writing. If you declare the designation is “revocable” when you first make it, you can change it without your spouse’s consent.

Outside Quebec, all designations are revocable unless you specify otherwise.

To make an Accidental Death & Dismemberment (AD&D) Insurance claim, you (or your beneficiary) should contact the Benefit Centre for instructions.

Any benefit payments received from the Basic AD&D are not subject to income tax. Any amount Sanofi contributes to your Basic AD&D coverage is considered a taxable benefit and is added to your taxable income for both your federal and provincial taxes. The amount paid by Sanofi for all your other benefits is tax-free in all provinces except Quebec.

Residents of Ontario and Quebec are required to pay Sales Tax on all insurance premiums. Residents of Manitoba are required to pay Sales Tax on all insurance premiums except for Health and Dental coverage.

Your Accidental Death & Dismemberment (AD&D) Insurance coverage ends at the earlier of the date you:

• Retire
• Terminate your employment
• No longer meet the eligibility requirements
• Reach age 70
• Pass away

Coverage for your spouse or dependent child(ren)

Coverage for your spouse or your dependent child(ren) ends when you are no longer eligible to participate in Sanofi myFlex or when they no longer meet the eligibility requirements.

Optional Critical Illness Insurance is available to permanent salaried employees only. To participate in the Critical Illness Insurance Plan, you and your dependents must meet the following eligibility requirements.

If you choose to, you can purchase Optional Critical Illness Insurance for:

• Yourself
• Your spouse
• Your dependent child(ren).

Your coverage options for Optional Critical Illness Insurance are:

* Benefit applies to all eligible children

The cost for Optional Critical Illness Insurance for you and/or your spouse is based on age, gender, and smoker status. The cost of Optional Critical Illness Insurance for your child(ren) is based on a flat rate.

You pay for the cost of Optional Critical Illness Insurance through bi-weekly payroll deductions.

Example:
If you want $50,000 of coverage (or 5 units) and you are a 39-year-old female smoker…

• $3.85 x 5 units = $19.25 per month

Example:
If you want $15,000 of coverage (or 3 units) for your child(ren)…

• $2.15 x 3 units = $6.45 per month

To be considered a non-smoker, you (and/or your spouse) must not have smoked or vaped tobacco and/or nicotine products for at least 12 consecutive months.

If you and/or your spouse start to smoke or vape, you must declare your smoking status. You must tell the Benefit Centre immediately by completing the applicable declaration form. If you don’t, you and/or your spouse’s Optional Critical Illness Insurance coverage may become invalid.

If you and/or your spouse stop smoking or vaping for at least 12 consecutive months, you may change your smoking status to non-smoker.

You may change your (and/or your spouse’s) smoking status at any time by contacting the Benefit Centre.

If you wish to purchase Optional Critical Illness Insurance for yourself during your initial enrollment period, you can select any increment of $10,000 up to $30,000 without submitting an Evidence of Insurability (EOI) Form. You can also select up to $30,000 in Optional Critical Illness Insurance for your spouse. If you select any amount above these thresholds, you and your spouse will be required to submit an EOI Form.

If you wish to purchase any amount of Optional Critical Illness Insurance for yourself or your spouse at any other time, you will be required to submit an EOI Form. Evidence of insurability is not required for Critical Illness Insurance coverage for dependent child(ren).

Coverage will begin once your enrollment or change has been approved.

You can use the critical illness benefit in any way that will meet your own unique needs. While there is no restriction on how you use the benefit, it may help you with such expenses as:

For the purposes of the Critical Illness benefit, eligible illnesses and conditions include:

No Critical Illness benefit will be paid for any pre-existing conditions. A pre-existing condition is any sickness, disease, disorder or injury you have for which you sought or received medical advice, consultation, investigation, diagnosis or for which treatment was required or recommended by a physician during the 24 months immediately before your Critical Illness Insurance (or increased amount of insurance) took effect, and which directly or indirectly causes the condition to re-occur within the first 24 months from the time your Critical Illness Insurance (or increased amount of insurance) took effect.

If you have been diagnosed with a serious illness, you’ll likely have a lot of questions.

• How can I confirm the diagnosis?
• What kind of treatment will I need?
• What will the treatment be like?
• What do I do first? What do I do next?
• Who can answer my questions?

As part of your Optional Critical Illness coverage, if you are diagnosed with a serious illness or condition, you have access to Teladoc’s world-class medical services. Through Teladoc, you will have access to a team of medical experts around the globe for expert opinions about your diagnosis and treatment options and help navigating the health care system. You can access Teladoc for any illness – not just illnesses covered by Critical Illness Insurance.

When should you call Teladoc?

You can call Teladoc if you or your eligible dependents have been diagnosed with a serious illness or there is suspicion of a serious illness. Your medical condition will be thoroughly reviewed, and your diagnosis and treatment plans verified. You may also call Teladoc if you need help navigating the healthcare system, have questions about your healthcare, or need to find a specialist. 

You should call Teladoc if you:

Almost all illnesses and conditions are covered.

For more information, please log into mysunlife.ca or the my Sun Life mobile app, or contact Sun Life at 1-866-896-6976.

Any benefit payments received from the Optional Critical Illness Insurance Plan are not subject to income tax. 

Your Critical Illness Insurance coverage ends on the earlier of the date you:

• Retire
• Terminate your employment
• Receive a benefit payment from the plan
• Reach age 65
• Pass away

Coverage for your spouse or dependent child(ren)

Coverage for your spouse ends on the earlier of the date:

• You retire
• You terminate your employment
• Your spouse receives a benefit payment from the plan
• You reach age 65
• Your spouse reaches age 65

Coverage for your child(ren) ends on the earlier of the date:

• You retire
• You terminate your employment
• Your child receives a benefit payment from the plan
• You reach age 65

You are required to cancel the Critical Illness Insurance coverage for your child(ren) and/or spouse at the point you no longer have an eligible spouse and/or eligible dependent child(ren).

If Critical Illness Insurance coverage for you and/or your spouse ends or reduces, you may apply to Sun Life to convert your group Critical Illness Insurance coverage to an individual Critical Illness Insurance policy without providing evidence of insurability.

You must make your request to convert your coverage within 31 days of the reduction or end of the Critical Illness Insurance coverage. 

For more information on the conversion privilege, please contact Sun Life at 1-866-896-6976.