Embedded Benefits

SCMA MIT is pleased to continue providing embedded benefits to your employees who enroll in our medical plans. SCMA MIT is excited to announce that these embedded benefits – which consist of group short term disability, basic life insurance (up to age 70), and accidental death & dismemberment coverage – will now be provided in partnership with Sun Life Financial. These benefits are provided to your employees at no additional cost. Death benefits for the basic life insurance plan remain at $15,000 for the plan year.

Through our new partnership with Sun Life, your employees will experience a number of enhancements in their embedded benefits, including but not limited to: electronic claims filing, full maternity and zero day residual on short-term disability, and conversion services support from Sun Life.

All MIT medical plan designs include the following benefits at no additional cost to the participating employer:

  • Trust Paid Basic Life/AD&D Program Flyer View
  • Trust Paid Short Term Disability Program Flyer View

You may enroll in benefits when you select your plan coverage during the annual open enrollment period that usually occurs in December prior to the start of each Plan Year. After the open enrollment period, changes to your benefits can only occur if you qualify for a special enrollment event such as:

  • Change in your legal marital status,
  • Change in number of your dependents,
  • Change in employment status or work schedule of you, your spouse or your dependent,
  • Change in your dependent’s eligibility to participate in a MIT benefit due to attainment of age or change in full-time student status, or
  • Change in place of residence for you, your spouse or dependent.

Failure to notify MIT within 31 days of the above special enrollment events may result in your ability to make changes to your MIT benefits coverage. Benefit claim forms can be found here.