Memo: 2020 Disability Benefit Plan premium rate change for M&P, Administrative Executive, and CUPE 2278 (ELI) (Dec. 4, 2019)

Date: Dec. 4, 2019
To: Employees enrolled for the Disability Benefit Plan for M&P, Administrative Executive, and CUPE 2278 ELI employees
From: UBC Human Resources and the M&P DBP Governance Committee
Subject: 2020 Disability Benefit Plan premium rate change


The UBC Disability Benefit Plan (DBP) for eligible M&P, Administrative Executive, and CUPE 2278 English Language Instructors (ELI) staff members is a mandatory, employee-paid plan that provides a monthly income for those who meet the definition of total disability under the plan. The DBP is administered by Sun Life, with oversight from the M&P/CUPE 2278 DBP Governance Committee and UBC.

The financial experience and premium rate are reviewed annually and considers the number of claims during the most recent five years, the group’s demographics and potential future claims. The DBP premium rate proposed by the insurer (Sun Life) is reviewed by the plan’s benefits consultant (HUB International – formerly Pointbreak Consulting). A governance committee that includes representatives of your employment group and the university review and approve the final rate recommended by the consultant.

In 2020, the DBP premium rate will decrease from 0.732% to 0.659% of earnings. The new premium rate will be implemented on the first pay cheque after January 1st.

Overall, the DBP rate has decreased over the past five years as shown below:

  • 2016: 1.021%
  • 2017: 1.039%
  • 2018: 0.904%
  • 2019: 0.732%
  • 2020: 0.659%

The M&P/CUPE 2278 DBP Governance Committee continues to regularly review the disability plan to ensure that it meets the needs of M&P, Administrative Executive, and CUPE 2278 ELI plan members and that premium rates remain fair and financially competitive.

For additional information

For more information about the DBP, please visit:  M&P, Administrative Executive, and CUPE 2278 ELI Disability Benefits Plan.

If you have any questions, please email benefitsinfo@hr.ubc.ca.