Claims for reimbursement for any expenses from any of the benefit plans must be submitted to Sun Life within 90 days of the end of the calendar year in which the expense is incurred. This deadline applies to 2015 claims made under the Dental Plan, Health Plan or Flexible Spending Program (Health Spending Account or Personal Spending Account). Because this is a leap year, the deadline for submitting claims incurred between January 1 and December 31, 2015 is March 30, 2016 not March 31.