In this issue:

• Mark your calendars: Webinar on Election Results and their Impact on Employee Benefits - Register now
• Third Quarter Sun Life Compliance News - Download now
• Family Leave Insurance: Making the case to Your Organization's Decision Makers - Download now
• Sun Life’s dental PPO network - Find out more
• Sun Life Dental (U.S.) mobile app - Find out more
• More claims integration to benefit members - Find out more
• Important PFML updates and reminders - Find out more
• Stop-Loss high-cost claims spotlight series:
• Second Opinions - Find out more
• Impact Artificial intelligence (AI) may have on cancer treatment - Find out more

Mark your calendars: Webinar on Election Results and their Impact on Employee Benefits

Date: November 6
Time: 2:00 p.m. ET

Join James Slotnick, VP, Government Relations & Sustainability, as he summarizes what we know about the 2024 election results as of November 6 and the possible impacts to employee benefits industry.

Third Quarter Sun Life Compliance News

Download Sun Life’s COMPLIANCE NEWS authored by Sun Life Assistant Vice President & Senior Counsel, Marjory Robertson, JD, Senior Counsel, Abigail O’Connell, JD, and Counsel, Sarah Simmons, JD.

Included in the Third Quarter 2024 Newsletter:

• Federal Leave and Accommodation Activity
• EEOC Pregnant Workers Fairness Act (PFWA) enforcement is in full swing
• New and Amended Unpaid Leave and Accommodation Laws – CA, MN, OR
• Developments in Paid Leave Law – CA, CO, CT, DC, DE, ME, MD, MA, MN, NJ, NY, OR, WA

Family Leave Insurance: Making the case to Your Organization's Decision Makers

This new whitepaper for HR professionals provides strategies to advocate for Family Leave Insurance to organizational decision makers. The whitepaper uses data from existing paid family leave programs in other states to demonstrate how this benefit can positively impact a company's bottom line, helping to make a compelling case for its adoption. As Family Leave Insurance is new to the benefits landscape, the whitepaper aims to facilitate in-depth discussions about its suitability for organizations.

More claims integration to benefit members

Sun Life has launched many claims integrations over the past few years and we just added another one this year. Members who have both dental + accident, hospital indemnity or critical illness with wellness will automatically have their wellness benefit paid when they get a dental cleaning.

Important PFML updates and reminders

If you have employees in these PFML statutory states, please be aware of the following changes effective 1/1/25:

• The Social Security wage cap was released for 2025 and is increasing from $168,600 to $176,100. This wage cap is used to calculate the PFML contributions for Colorado, Connecticut, Massachusetts, Oregon, and Washington.

• CO PFML: Maximum weekly benefit increases from $1,100.00 to $1,324.21.

• CT PFML: Maximum weekly benefit increases from $941.40 to $981.00.

• MA PFML: Maximum weekly benefit increases from $1,149.90 to $1,170.64.

• WA PFML: Maximum weekly benefit increases from $1,456.00 to $1,542.00. The premium rate will increase from 0.74% to 0.92% and the maximum employee contributions increases from 71.43% to 71.52%. The maximum employer contributions decrease from 28.57% to 28.48%.

• NY PFL: Maximum weekly benefit increases from $1,151.16 to $1,177.32. The state rate increases from 0.373% to 0.388% of covered wages.

• NJ TDB: Maximum weekly benefit increases from $1,055 to $1,081. The employee contribution percent has also changed, from 0.0% to 0.23%. The employee taxable wage base will increase from $161,400 to $165,400 and the employer taxable wage base from $42,300 to $43,300.

For other Statutory and PFML state updates, please visit our State Programs page.

Sun Life continues to closely monitor and prepare for the new 2026 PFML programs starting in Maine, Delaware, Maryland, and Minnesota. Quoting started on 9/1/2024 for Maine and Delaware and quoting begins on 11/1/2024 for Maryland and Minnesota. To prepare, please visit Sun Life Paid Leave Solutions to learn more about these new programs.

Stop-Loss high-cost claims conditions spotlight series:

¹ Sun Life’s dental networks include its affiliate, Dental Health Alliance®, L.L.C. (DHA®), and dentists under access arrangements with other dental networks. Nationwide counts are state level totals.

Sun Life Assurance Company of Canada (Wellesley Hills, Mass.) issues group policies in all states, except New York.  In New York, Sun Life and Health Insurance Company (U.S.) (Lansing, Mich.) issues group insurance policies.

MPNL-1140-24Q4 #1519436224 10/24 (exp. 10/26)