How to Use Sun Life to Cover Your Massage Therapy in Ontario
A Simple Guide for Employees and Families with Sun Life Extended Health Benefits
Introduction:
If you’re like most Canadians with a Sun Life plan, you might not be using your full coverage. In fact, many people leave over $600 in unused massage, chiro, or physio benefits each year. This guide will show you how to unlock those benefits—fast.
- What’s Covered Under Sun Life?
Most employer plans include paramedical services such as:
🟢 Registered Massage Therapy (RMT)
🟢 Chiropractic Care
🟢 Physiotherapy
You don’t always need a doctor’s referral — but check your specific plan details. - What’s the Typical Annual Limit?
• $500 to $1000 per service
• Per family member (not shared pool)
Tip: Set reminders for September and November to use it before it resets! - How to File a Claim or Use Direct Billing
✅ Most clinics on RMTClinic.net offer Telus eClaims direct billing
✅ If paying upfront, request an RMT receipt with all required info:
o License #
o Session duration
o Service description - Watch Out For These 3 Mistakes:
❌ Booking with a non-RMT
❌ Forgetting to check your remaining balance
❌ Missing claim deadline (often 90 days after treatment) - Find a Covered Clinic Near You
👉 Search Massage Clinics That Accept Sun Life
Conclusion:
Massage therapy isn’t a luxury—it’s a benefit you’ve earned. Don’t let it expire. Use the coverage that supports your health.
💬 Still unsure? Ask Ruby, our smart assistant, what’s covered in your plan.
