The Extended Health and Dental benefits offered through the UBC Retirement & Survivor Benefit (RSB) Program are different from those offered through your UBC Benefit Plans as an employee.
The table below shows some of the high-level differences between coverage under an active plan (that is, the plan for current UBC faculty and staff) and the RSB Program. Unless otherwise noted, the maximums stated are per person amounts. Please keep in mind that different employee groups receive different benefits under their active plan, making it difficult to accurately compare every benefit for every group.
Extended Health Plan
| What the Plan Provides | Coverage under UBC Benefit Plan | Coverage under the RSB Program |
| Benefit year deductible (January 1 – December 31) | $25 per single or couple/family
(except CUPE 2950) | $1,000 per single or couple/family |
| Lifetime maximum | $2,000,000 per person | $200,000 per person |
| Travel (medical emergency coverage) | 365 days per trip | 90 days per trip |
| Vision care | Yes, but amount of coverage differs with each employee group | No |
| Hearing aids | Yes | No, except for dependent children |
| Foot orthotic inserts | Yes | No |
| Registered/licensed psychologists | $3,000 per benefit year | $100 per benefit year |
| Physiotherapists or massage therapists combined | $1,000 per benefit year | $250 per benefit year |
| Licensed speech therapists, acupuncturists, chiropractors, naturopaths, homeopaths, podiatrists or chiropodists | Combined maximum of $600 per benefit year
($500 for CUPE 2950) | $100 per benefit year for each of the following: licensed speech therapists, acupuncturists, podiatrists or chiropodists.
Combined maximum of $200 per benefit year for chiropractors or naturopaths. No coverage for homeopaths. |
Dental Plan
| What the Plan Provides | Coverage under UBC Benefit Plan | Coverage under the RSB Program |
| Benefit year maximum reimbursement (January 1 – December 31) | None (except for CUPE 116 who have a benefit year maximum of $3,000 for all preventive, basic and major restorative procedures combined) | $1,500 per person for all services |
| Basic dental procedures reimbursement | 100% | 70% |
| Major dental procedures reimbursement | 70% | 50% |
| Orthodontic procedures reimbursement | 65% (with a lifetime maximum of $3,000) | No |
To learn more about your current active benefits, please visit our benefits plan pages.