How Sun Life coverage works
Sun Life is one of Canada's largest group benefits providers, and many Toronto employers use Sun Life to administer extended health and mental health coverage. What's actually reimbursed depends entirely on the specific employer's plan design, not on Sun Life as a company, so two people who both say they have "Sun Life coverage" can have very different mental health benefits, maximums, and eligible designations.
In general, Sun Life plans reimburse sessions with licensed, regulated practitioners such as Registered Psychotherapists (RP) and Registered Social Workers (RSW), which is why those two designations make up most of the therapists on this page. Some plans also cover Psychologists, sometimes at a different reimbursement rate.
What to know about Sun Life coverage in Toronto
In-person and online availability
Toronto has one of the largest pools of therapists on First Session, with strong in-person and online availability across most designations.
Ontario credentials commonly covered
Registered Psychotherapist (RP, regulated by the CRPO), Registered Social Worker (RSW, regulated by the OCSWSSW), and Psychologist (regulated by the College of Psychologists of Ontario) are the designations most commonly eligible under Sun Life plans, though limits and eligible designations vary by plan.
Cost and reimbursement
Session rates in Toronto typically range from $100 to $250. Sun Life plans usually reimburse a percentage of each session up to an annual maximum. We can't guarantee coverage, since this varies entirely by your specific plan, so always confirm the details directly with Sun Life or your benefits administrator.
How to confirm your Sun Life coverage
Check your Sun Life member portal or benefits booklet
Log in to see your specific mental health or psychological services maximum and which designations are listed as eligible.
Confirm which designations your plan covers
Some plans cover RPs and RSWs, others require a Psychologist specifically. This can vary significantly.
Note your annual maximum and reset date
Check whether your benefit resets on the calendar year or a specific benefit year tied to your employment start date.
Choose a therapist whose designation matches your plan
Once you know what's covered, filter your search accordingly to avoid unexpected out-of-pocket costs.
Submit your claim
Most Sun Life members can submit claims directly through the Sun Life mobile app or online member portal. All First Session therapists provide receipts that include all the information you need to submit your claim.
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