Comparing Plans for Current and Retired Employees

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 $2,500 per benefit year $100 per benefit year
Physiotherapists or massage therapists combined $750 per benefit year

($500 for CUPE 2950)

$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.