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Gender Affirmation Procedures

TMU is pleased to support the health and wellbeing of our trans and non-binary employees and their dependents. Research demonstrates that gender affirmation procedures have a significant positive impact on wellbeing and can be life-saving. Lack of access to gender affirming care is a critical barrier to trans and non-binary people’s physical, emotional and psychological wellbeing.

Gender affirmation benefits at TMU

Gender affirmation procedures are available for employees with benefits and their dependents in the following groups:

  • OPSEU Full-time, Partial-Year Employee or Term 
  • MAC Full-time or Term 
  • CUPE 233 Full-time or Term
  • CUPE 3904, Unit 1: Contract Lecturers 
  • TFA Faculty, Librarians, Counsellors
  • Senior Administration
  • Post-doctoral fellows

Provides supplement coverage for feminization or masculinization surgeries not under OHIP.

Sun Life covers the following procedures when they are not available under the member’s public health care plan:

  • Blepharoplasty
  • Browbone reduction/construction
  • Cheek augmentation
  • Chest contouring (liposuction or lipofilling)
  • Chin augmentation
  • Gluteal augmentation (lip filling or implants)
  • Hairline reconstruction (to correct a receding hairline)
  • Jawbone reduction/reshaping/contouring
  • Liposuction of the waist
  • Pectoral implants
  • Permanent hair removal (laser or electrolysis) of excessive facial or body hair
  • Rhinoplasty
  • Rhytidectomy

You may also be eligible for at home care if required. Please review your benefits offerings for private nursing care.

  • Gender Affirmation coverage is standard: We cannot deviate or customize
  • Any procedures available through OHIP are not covered under Sun Life 
  • To be eligible, the member/dependent must show proof that they have been approved for other gender-affirming surgery(ies) through OHIP
  • Sun Life pre approval is required
  • Must be 18 years or older, including dependents
  • Surgeries and procedures must take place in Canada to be eligible for reimbursement
  • Travel or transportation costs are not eligible for reimbursement 
  • $10,000 annual maximum, up to $50,000 lifetime maximum

This benefit offering supplements OHIP coverage with feminization or masculinization surgeries and procedures not typically covered under medicare programs. 

Sun Life benefits offerings must use OHIP as the starting point, as their benefits can supplement, but not replace, any medical care already provided by OHIP. As such, trans and nonbinary employees and their dependents must first apply for gender confirmation interventions through OHIP in order to be eligible for reimbursement for additional procedures through Sun Life. Similar to massage therapy and other extended health benefits, Sun Life needs a medical professional to provide referral. 

While you must show proof of approval for gender-affirming surgery(ies) through OHIP, you do not need to follow through with those OHIP covered surgeries (genital and chest surgeries) to access this benefit.

  1. Submit an application through OHIP. There is a multi-step process in which the individual must provide a psychological assessment (i.e. diagnosis of gender dysphoria) and a physical assessment done by a qualified practitioner, both according to the provincial rules. The provincial assessor determines whether the applicant is both emotionally/psychologically and physically suitable for gender transitioning surgery based on the information provided.

    Important note: While you must show proof of approval for gender-affirming surgery(ies) through OHIP, you do not need to follow through with those OHIP covered surgeries (gential and chest surgeries) to access this benefit.

  2. Submit an application to Sun Life by phoning and requesting a Gender Affirmation application form for you and your doctor to fill out, and submit it to Sun Life by mobile app, fax or mail for review. You must also show proof of approval for other gender-affirming surgery(ies) by OHIP.  Sun Life’s decision will be sent by mail.

    Important note: Members and dependents will need to be pre-approved by Sun Life before expenses are reimbursed, but not necessarily before having the procedure. As such, the date of the procedure can be before or after Sun Life approves, however reimbursement is not guaranteed and pre-approval is strongly advised.