Coverage Start & End Dates

This page describes when your coverage for specific UBC benefits will begin and end, assuming that you are eligible for the benefit. Visit our Eligibility page for information on your benefits eligibility.


Medical Services Plan (MSP) Enrolment through UBC

Coverage Begins

MSP coverage through the UBC group plan begins on the first day of the month on or after your date of hire (or when Payroll receives your application, if you did not enrol when you first became eligible). For example, if you begin work at UBC on April 17, your MSP coverage with the UBC group plan will begin on May 1.

If the first of the month falls on a statutory holiday or a weekend and your date of hire is the first working day of the month, your MSP coverage with the UBC group plan will begin the first of the month.

If you are new to BC, your MSP coverage begins the first day of the month you satisfy the MSP statutory waiting period. The waiting period is the balance of the month you arrive in BC, plus two full months.

Coverage Ends

If you leave UBC (either through the end of your employment or retirement), the date that your UBC MSP coverage ends is determined as follows:

UBC Employment End Date or Retirement Date MSP Coverage
1 – 15 of the month Ends on the last day of that month
16 – end of the month Ends on the last day of the following month

Your coverage may also end if:

  1. You voluntarily cancel your coverage. In this event, Payroll will use your requested end date.
  2. You no longer meet MSP’s eligibility rules, such as if your work permit has expired. In this event, your coverage will end on the date you are no longer eligible.
  3. You are on an unpaid leave of absence and elect not to continue coverage.
  4. You are working past your normal retirement date* and elect to receive your UBC Staff, UBC Faculty or BCGEU Childcare Pension Plan retirement income/benefit option(s). In this event, coverage will end on the day before you elect to receive your pension.
  5. You are working past your normal retirement date* and have deferred your UBC Staff, UBC Faculty or BCGEU Childcare Pension Plan until age 71. In this event, your coverage will end at the end of the year you turn age 71, the maximum pensionable age as defined by the Income Tax Act (Canada).

* The Normal Retirement Date for staff is the end of the month you turn 65. For Academic Executive or Faculty, your normal retirement date is June 30 or December 31 following (or on) the date you turn 65.

Once your UBC group MSP coverage ends, Health Insurance BC will automatically invoice you directly for MSP premiums. For more information, contact Health Insurance BC.


Dental

Coverage Begins

UBC’s Dental Plan begins on the first day of the month on or after your date of hire (or when Payroll receives your application, if you did not enrol when you first became eligible). For example, if you begin work at UBC on April 17, your Dental coverage will begin on May 1.

If the first of the month falls on a statutory holiday or a weekend and your date of hire is the first working day of the month, your Dental coverage will begin your date of hire.

You do not need to enrol for MSP through UBC in order to enrol for Dental.

Coverage Ends

If you leave UBC (either through the end of your employment or retirement), the date that your UBC Dental coverage ends is determined as follows:

UBC Employment End Date or Retirement Date Dental Coverage
1 – 15 of the month Ends on the last day of that month
16 – end of the month Ends on the last day of the following month

Your coverage may also end if:

  1. You voluntarily cancel your coverage. In this event, Payroll will use your requested end date.
  2. You are on an unpaid leave of absence and elect not to continue coverage.
  3. You are working past your normal retirement date* and elect to receive your UBC Staff, UBC Faculty or BCGEU Childcare Pension Plan retirement income/benefit option(s). In this event, coverage will end on the day before you elect to receive your pension.
  4. You are working past your normal retirement date* and have deferred your UBC Staff, UBC Faculty or BCGEU Childcare Pension Plan until age 71. In this event, coverage will end at the end of the year you turn age 71, the maximum pensionable age as defined by the Income Tax Act (Canada).

* The Normal Retirement Date for staff is the end of the month you turn 65. For Academic Executive or Faculty, your normal retirement date is June 30 or December 31 following (or on) the date you turn 65.

Once your Dental coverage ends you can arrange alternative coverage through an individual insurance policy. For more information, visit the Leaving UBC page.


Extended Health

Coverage Begins

UBC’s Extended Health Plan begins on the first day of the month on or after your date of hire (or when Payroll receives your application, if you did not enrol when you first became eligible). For example, if you begin work at UBC on April 17, your Extended Health coverage will begin on May 1.

If the first of the month falls on a statutory holiday or a weekend and your date of hire is the first working day of the month, your Extended Health coverage will begin your date of hire.

If you are new to BC and arriving from another province, your Extended Health coverage begins on the first day of the month on or after your date of hire (or when Payroll receives your application, if you did not enrol when you first became eligible).

If you are new to Canada, your Extended Health coverage begins the first day of the month you satisfy the MSP waiting period. The waiting period is the balance of the month you arrive in BC, plus two full months. The only exception is if you are enrolled in the Sun Life Inpatriate Plan during the MSP waiting period – if this is the case then your Extended Health coverage begins on the first day of the month on or after your date of hire or your date of hire if the first of the month falls on a statutory holiday or a weekend and your date of hire is the first working day of the month (or when Payroll receives your application, if you did not enrol when you first became eligible).

You do not need enrol for MSP through UBC in order to enrol for Extended Health.

Coverage Ends

If you leave UBC (either through the end of your employment or retirement), the date that your UBC Extended Health coverage ends is determined as follows:

UBC Employment End Date or Retirement Date Extended Health Coverage
1 – 15 of the month Ends on the last day of that month
16 – end of the month Ends on the last day of the following month

Your coverage may also end if:

  1. You voluntarily cancel your coverage. In this event, Payroll will use your requested end date.
  2. You no longer meet MSP’s eligibility rules, such as if your work permit has expired. In this event, coverage will end as of the date you are no longer eligible.
  3. You are on an unpaid leave of absence and elect not to continue coverage.
  4. You are working past your normal retirement date* and elect to receive your UBC Staff, UBC Faculty or BCGEU Childcare Pension Plan retirement income/benefit option(s). In this event, coverage will end on the day before you elect to receive your pension.
  5. You are working past your normal retirement date* and have deferred your UBC Staff, UBC Faculty or BCGEU Childcare Pension Plan until age 71. In this event, coverage will end at the end of the year you turn age 71, the maximum pensionable age as defined by the Income Tax Act (Canada).

* The Normal Retirement Date for staff is the end of the month you turn 65. For Academic Executive or Faculty, your normal retirement date is June 30 or December 31 following (or on) the date you turn 65.

Once your Extended Health coverage ends you can arrange alternative coverage through an individual insurance policy. For more information, visit the Leaving UBC page.


Employee & Family Assistance Program

Coverage Begins

If eligible, you will be automatically enrolled for this benefit. If you have dependents, you must also complete an enrolment form for them and submit it to UBC Payroll.

UBC’s EFAP coverage begins on the first day of the month on or after your date of hire.

For example: if you start your job on January 12, your EFAP coverage begins on February 1.

If the first of the month falls on a statutory holiday or a weekend and your date of hire is the first working day of the month, your EFAP coverage will begin your date of hire.

Coverage Ends

Your coverage ends if:

  1. You leave UBC (either through the end of your employment or retirement). In this event, coverage will end three months after the first of the month after your employment ends or you retire. For example, if you end your employment April 22, your EFAP coverage will end July 31.
  2. You are on an unpaid leave of absence and elect not to continue coverage.
  3. You are working past your normal retirement date* and elect to receive your UBC Staff, UBC Faculty or BCGEU Childcare Pension Plan retirement income/benefit option(s). In this event, coverage will end three months from the day you elect to receive your pension. For example, if you start collecting your pension on June 1, your EFAP coverage will end on August 31.
  4. You are working past your normal retirement date* and have deferred your UBC Staff, UBC Faculty or BCGEU Childcare Pension Plan until age 71. In this event, coverage will end three months after the end of the year you turn 71, the maximum pensionable age as defined by the Income Tax Act (Canada).

* The Normal Retirement Date for staff is the end of the month you turn 65. For Academic Executive or Faculty, your normal retirement date is June 30 or December 31 following (or on) the date you turn 65.


Basic Life Insurance

Coverage Begins

If you are eligible, you will be automatically enrolled in this benefit on your date of hire. You must also complete the beneficiary designation section of the enrolment form and submit to UBC Payroll.

Coverage Ends

Your coverage ends if:

  1. You leave UBC (either through the end of your employment or retirement). In this event, coverage will end when your employment ends.
  2. You are on an unpaid leave of absence and elect not to continue coverage.
  3. You are working past your normal retirement date* and elect to receive your UBC Staff, UBC Faculty or BCGEU Childcare Pension Plan retirement income/benefit option(s). In this event, coverage will end the day before you elect to receive your Pension.
  4. You are working past your normal retirement date* and have deferred your UBC Staff, UBC Faculty or BCGEU Childcare Pension Plan until age 71. In this event, coverage will end at the end of the year you turn 71, the maximum pensionable age as defined by the Income Tax Act (Canada).

* The Normal Retirement Date for staff is the end of the month you turn 65. For Academic Executive or Faculty, your normal retirement date is June 30 or December 31 following (or on) the date you turn 65.

Once your coverage ends, you can convert your coverage to an individual insurance policy. For more information, visit the Life Insurance Conversion page.


Optional Life Insurance

Coverage Begins

Coverage begins when you and/or your spouse’s application is approved by Sun Life Assurance Company of Canada. You (and UBC) will be advised of your coverage effective date in writing.

Coverage Ends

Your coverage ends if:

  1. You voluntarily cancel your coverage. In this event, Payroll will use your requested end date.
  2. You leave UBC (either through the end of your employment or retirement). In this event, coverage will end when your employment ends
  3. You are on an unpaid leave of absence and elect not to continue coverage.
  4. You are working past your normal retirement date* and elect to receive your UBC Staff, UBC Faculty or BCGEU Childcare Pension Plan retirement income/benefit option(s). In this event, coverage will end on the day before you elect to receive your pension.
  5. You are working past your normal retirement date* and have deferred your UBC Staff, UBC Faculty or BCGEU Childcare Pension Plan until age 71. In this event, coverage will end at the end of the year you turn age 71, the maximum pensionable age as defined by the Income Tax Act (Canada).

Once your coverage ends, you can convert your coverage into an individual insurance policy. For more information, visit the Life Insurance Conversion page.

Your spouse’s coverage ends if:

  1. You voluntarily cancel your spouse’s coverage. In this event, Payroll will use your requested end date.
  2. If you leave UBC (either through the end of your employment or retirement). In this event, coverage will end when your employment ends.
  3. You are on an unpaid leave of absence and elect not to continue coverage.
  4. You reach your normal retirement date.* In this event, your spouse’s coverage will end on your normal retirement date* even if you continue to work at UBC.

* The Normal Retirement Date for staff is the end of the month you turn 65. For Academic Executive or Faculty, your normal retirement date is June 30 or December 31 following (or on) the date you turn 65.


Optional Accidental Death and Dismemberment (AD&D) Insurance

Coverage Begins

Coverage begins when you and/or your spouse’s optional life insurance coverage begins, if you also elected AD&D coverage.

Coverage Ends

Coverage ends when you and/or your spouse’s optional life insurance coverage ends.

Once your coverage ends, you can convert your coverage into an individual insurance policy. For more information, visit the Life Insurance Conversion page.


Income Replacement Plan (IRP) and Disability Benefit Plan (DBP)

Coverage Begins

If eligible, you will be automatically enrolled for this benefit on your date of hire.

Coverage Ends

Your coverage will end if:

  1. You leave UBC (either through the end of your employment or retirement). In this event, coverage will end when your employment ends.
  2. You are laid off.
  3. You are on an unpaid leave of absence and elect not to continue coverage.
  4. You reach your normal retirement date.* In this event, your coverage will end six months before this date (four months for CUPE 2950).

* The Normal Retirement Date for staff is the end of the month you turn 65. For Academic Executive or Faculty, your normal retirement date is June 30 or December 31 following (or on) the date you turn 65.


UBC Pension Plan

Coverage Begins

Faculty Pension Plan: If you are appointed for one year or more at more than 50% FTE, you may be eligible to join the pension plan effective on the date of your appointment.

Other part-time faculty and administrative executive staff may be eligible to join the plan after two years of continuous service, if you have earned at least 35% of the Canada Pension Plan earnings ceiling in each of two consecutive calendar years.

Sessional lecturers appointed for four months or more and who meet the 50% appointment requirement are eligible to join the plan.

Staff Pension Plan: Your coverage begins on the earlier of the following dates:

  • The date you opt into the plan, if you enrol within three years of working at UBC (optional enrolment).
  • Three years from your date of hire (compulsory enrolment).

Coverage Ends

You have options for your pension that depend on how old you are when you leave your employment at UBC, and if you are retiring.

Learn more about the Faculty Pension Plan or call the UBC Pensions Office at 604.822.8100.

Learn more about the Staff Pension Plan or call the UBC Pensions Office at 604.822.8100.


Leaves

Coverage Begins

The date you become eligible depends on the leave you are applying for.  Apply for a leave of absence in writing to your Supervisor.

Coverage Ends

Your access to all leave coverage will end when your employment with UBC ends.


Professional Development: Tuition Waivers

Coverage Begins

Monthly Staff: You are eligible for Tuition Waivers after three months of service. For CUPE 2278 only, you are eligible after six months of service.

Hourly Staff, with the exception of CUPE 116 and IUOE 882: You are eligible for Tuition Waivers after three months of accumulated service, if you satisfy the minimum hourly requirement for the three-month period before the course start date (17.5 hours or 20 hours per week, depending on your employee group).

Hourly CUPE 116 and IUOE 882 employees are eligible for Tuition Waivers after 12 months of accumulated service, if you are normally scheduled to work at least 20 hours per week for the 12-month period before the course start date. If your hours fall below 20 hours per week, you can remain eligible, provided you have satisfied the waiting period and worked 960 hours in the previous 12 months before the course start date and you have not been laid off or terminated your employment.

Faculty (members of the Bargaining Unit) and their dependent children: You are eligible for Tuition Waivers when you start at UBC.

Coverage Ends

Your access to Tuition Waivers will end on your last day of employment with UBC. However, if you are taking a course that began while you were employed, you are still eligible if you were approved for the Tuition Waiver before your last day of employment.

Faculty with emeritus status who were previously a member of the Faculty Association are eligible for Tuition Waivers for themselves and for their dependent children.


Professional Development (PD): PD Funding

Coverage Begins

Staff: You can access Professional Development Funding when you start at UBC, provided that it is available to your employee group.

Faculty (members of the Bargaining Unit): You can access Professional Development Reimbursement funds when you start at UBC.

Sessional Lecturers without continuing status: You are entitled to Professional Development Reimbursement funds at a rate of $25 per credit course taught.

Coverage Ends

Staff: Your access Professional Development Funding will end when your employment ends. If you are taking a class or attending a PD event, that event must begin before the last day of your employment at UBC.

Faculty: Your access to Professional Development Reimbursement funds will end when your employment ends. If you are taking a class, attending a PD event or purchasing equipment, that event must begin before the last day of your employment at UBC.

Sessional Lecturers without continuing status: You may carry forward your Professional Development Reimbursement funds for up to two years, even if you do not have an active appointment.