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Making a claim

When should I submit my claims?

You must submit your claims within 90 days of the end of the calendar year in which you incurred the expense.

If your coverage ends, you have 90 days to submit any outstanding claims that were incurred before your coverage ended. 

For example, claims for purchases made in February 2013 must be submitted to Sun Life by March 31, 2014. Proof of payment is required and includes itemized bills, prescription receipts, reports from doctors or hospitals and hospital records.

How should I submit claims for multi-appointment procedures?

If you have a multi-appointment dental procedure that is not an orthodontic service, you should claim only after the final appointment. Other dental claims, including orthodontic procedures can be claimed immediately.

How do I submit claims?

Submitting claims by mail

Download the applicable Extended Health Care and Health Spending Account Claim Form (PDF) or Dental Health Spending Account Claim Form (PDF) and complete the following steps:

  1. Complete both sides of the claim form. The signature at the bottom of the claim form must be yours, whether the claim is for yourself or one of your dependents. The claim will not be paid if the claim form is not properly completed.
  2. Make a copy of your claim form and receipts for your records. Some medical expenses not reimbursed by the group insurance may be eligible for a tax credit when you file your income tax return.
  3. Mail the completed form with all receipts directly to Sun Life. The mailing address is on the back of the claim form.
  4. Sun Life will mail a reimbursement cheque, if appropriate, to your home address along with an explanation of how your eligibility for payment has been determined.

If you have questions about your coverage or the status of submitted claims, or disagree with any claim settlement, please contact Sun Life at 1-800-361-6212 or visit the Sun Life customer support page for more support details.

Submitting claims online

You can also submit your claims online through the Sun Life password protected plan member services website.

Using e-claims is a fast and efficient way to submit claims, but please remember to keep all receipts for 12 months in case your claim is audited, in which case you’ll be asked to produce the original receipts.

Can I have my claims reimbursed directly into my bank account?


Once you have your Access ID and password, log onto the Sun Life site, select My coverage, find the Take me to drop-down menu and choose Update Direct Deposit.

Ryerson reserves the right, at any time, to amend, change or discontinue any benefit coverage. If there is a question about coverage referred to in any portion of this benefits communication, the master contract from the insurer is the governing document.