Add Comment Question: How long does insurer have to provide backpay? We were without a contract for almost 3 years and our new contract was signed over 9 months ago. Federal Govt/Sunlife Answer: I don't understand the context of your question. Backpay for what? Please contact me directly at my number or email below so we can discuss your situation. Your Comment * Your Email * Your Name * Your City Note, your name, city and email is not displayed on the website. It is used to notify you that we have approved your comment.