REIMBURSEMENT: 100% 
MAXIMUM: There is a combined maximum of $2,000 per person per calendar year for Basic and Major services.

Preventive dental procedures

• complete exam once every 36 months
• recall exam once every five months, to a maximum of two exams per benefit year
• emergency or specific exams limited to two per benefit year per type of exam
• complete series of X-rays OR one panorex once every 36 months
• bitewing x-ray once every five months, to a maximum of two sets per benefit year
• radiograph to diagnose or examine progress
• required consultations with another dentist
• polishing/cleaning and topical fluoride treatment every five months, to a maximum of two per benefit year
• emergency or palliative services
• diagnostic tests and lab exams
• removal of impacted teeth and anaesthesia
• space maintainers for primary teeth
• pit and fissure sealants
• oral hygiene instruction once per benefit year

Basic procedures

• fillings:
  • amalgam (silver)
  • composite (white) on all teeth − acrylic (replaced by composite)
• removal of teeth (except impacted teeth)
• prefab metal restorations and repairs for existing crowns (not custom made)
• endodontics (root canal therapy/fillings, treat disease of pulp tissue)
• periodontics (treatment of bone and gum disease)
  • root planing and scaling (covered to a combined maximum of 2 units per year for children under age 13 or 10 units per year for adults and children over age 13)
  • occlusal adjustment
  • provisional splinting
  • supplies usually intended for sport use (eg. mouthguards)
  • transplants and repositioning of the jaw
• surgery and related anaesthesia (except removal of impacted teeth)
• repair of bridges or dentures
• rebase or reline denture

REIMBURSEMENT: 50%
MAXIMUM: There is a combined maximum of $2,000 per person per calendar year for Basic and Major services.

• inlays and onlays
• crowns
• bridges and dentures (prosthodontic) – construction and insertion of bridges or standard dentures (not dentures with precision attachments). Replacement after five years

For an implant related crown or prosthesis, Sun Life will pay the benefit that would have been payable under this plan for a tooth supported crown or a non-implant related prosthesis, respectively. Sun Life will take into account any limitations that would have applied if there had been no implant. All other expenses related to implants, including surgery charges, are not covered.

REIMBURSEMENT: 50% 
MAXIMUM: (lifetime): either $3,000 if under age 19, or $2,000 if age 19 or older

• interceptive, interventive or preventive services
• comprehensive treatment

Sun Life will not pay for services or supplies payable or available (regardless of any waiting list) under any government-sponsored plan or program unless explicitly listed as covered under this benefit.

Sun Life will only pay for a procedure that has a reasonably favourable prognosis in the opinion of Sun Life.

Sun Life will not pay for:

• procedures performed primarily to improve appearance.
• the replacement of dental appliances that are lost, misplaced or stolen.
• charges for appointments that a person does not keep.
• charges for completing claim forms.
• services or supplies for which no charge would have been made in the absence of this
• coverage.
• procedures or supplies used in full mouth reconstruction (capping all of the teeth in the mouth), vertical dimension corrections (changing the way the teeth meet) including attrition (worn down teeth), alteration or restoration of occlusion (building up and restoring the bite), or for the purpose of prosthetic splinting (capping teeth and joining teeth together to provide additional support).
• charges related to the temporomandibular joint (TMJ) treatment, except otherwise indicated in the list of covered expenses.
• experimental treatments.

Sun Life will also not pay for dental work resulting from:

• the hostile action of any armed forces, insurrection or participation in a riot or civil commotion.
• dental services required due to congenital malformation.
• participation in a criminal offence.

If you and your eligible dependents are covered for similar benefits under two plans, you can maximize the amount of money you get back by coordinating your benefits.

• Coordination of Benefits

View claim procedures including coordination of benefits and submission deadlines.

• Submitting claims

Learn more about:

• Eligibility and effective date of coverage for you and your dependents.
• Termination of Coverage
• Converting your benefits to an individual plan
• Proof of Coverage for Health and Dental Benefits
• Premiums

• Coverage and Eligibility