Optional Accidental Death & Dismemberment

UBC’s Optional Accidental Death & Dismemberment (AD&D) coverage will pay a sum of money (benefit) to a beneficiary if you or your spouse who is also enrolled in the plan are the victim of an accident that results in the loss of life, limb, sight or hearing.

For employees

The Optional AD&D Insurance Plan provides supplemental coverage for your accidental death, or accidental loss of limbs, sight or hearing. This is in addition to your Basic Group Life or Optional Life Insurance through UBC or any other policy you may have.

You are eligible for the Optional AD&D Insurance Plan if you are enrolled in the Optional Life Insurance Plan and the Optional AD&D coverage amount is the same as your Optional Life. The beneficiary of your Optional AD&D is the same as your designation for Optional Life.

For spouses

The Optional AD&D Insurance Plan provides supplemental coverage for your spouse’s accidental death, or accidental loss of limbs, sight or hearing.

Your spouse is eligible for the Optional AD&D Insurance Plan if they are enrolled in the Optional Life Insurance Plan and the Optional AD&D coverage amount is the same as their Optional Life. The beneficiary of your spouse’s Optional AD&D is the same as their designation for Optional Life.

What premiums do I need to pay?

You pay a monthly premium for Optional Life Insurance for coverage for you and/or your spouse. Premiums for Optional AD&D Insurance depend on the amount of coverage for you and/or your spouse and are deducted from your paycheque at the end of each month. Click here for a premiums table.

What is my coverage amount?

Your level of coverage under the Optional AD&D Insurance Plan is equal to the amount of coverage you have under the Optional Life Insurance Plan.

If injuries result in death or dismemberment within 365 days after an accident, the following percentage of your total coverage will be payable:

Loss of Life100%
Loss of Both Arms or Both Legs100%
Loss of Both Hands or Both Feet100%
Loss of Entire Sight of Both Eyes100%
Loss of One Arm or One Leg75%
Loss of One Hand or One Foot50%
Loss of Entire Sight of One Eye50%
Loss of Thumb & Index Finger (Same Hand)33-1/3%
Loss of Speech50%
Loss of Hearing in Both Ears50%
Loss of Use of Both Arms or Both Legs100%
Loss of Use of Both Feet or Both Hands100%
Loss of Use of One Arm or One Leg75%
Loss of Use of One Hand or One Foot50%

The benefit paid for losses from any one accident will not exceed the amount of your total coverage.

The Optional AD&D Insurance Plan does not pay benefits for all types of death and dismemberment. Some exclusions include death or dismemberment from suicide or attempted suicide, or as a result of hostile armed forces actions.

How do I apply for AD&D coverage?

You apply for Optional AD&D when you apply for Optional Life Insurance for you and/or your spouse.

When does my coverage begin and end?

Coverage begins when you and/or your spouse’s Optional Life Insurance Plan coverage begins if you have also indicated that you would like AD&D coverage. If you are enrolling for Optional AD&D after your application for Optional Life Insurance was approved, your Optional AD&D Insurance coverage begins on the date UBC Payroll receives your application.

Coverage ends when you and/or your spouse’s Optional Life Insurance Plan coverage ends.

See Benefit Coverage Start and End Dates for more information.

Exclusions and limitations

Benefits will NOT be paid for death or dismemberment caused by:

  • suicide or attempted suicide;
  • self-inflicted injury by firearm or otherwise;
  • drug overdose;
  • carbon monoxide inhalation;
  • flying in, descending from, or being exposed to any hazard incident with any kind of aircraft, if you:
    • were receiving aeronautical instruction;
    • had any duties to perform in connection with the aircraft;
    • were being flown for a parachute descent, or;
    • were a member of any armed forces and the aircraft was under the control or charter of the forces; or,
  • the hostile action of any armed forces.

How do I increase or decrease my AD&D coverage?

Your level of Optional AD&D coverage cannot be changed without also changing the Optional Life Insurance coverage by the same amount. If you apply to increase, decrease or cancel Optional Life Insurance coverage for you and/or your spouse, this change will be reflected in your Optional AD&D coverage.

For more information

The outline above is a descriptive summary of the plan and is not a contract. All terms and conditions are governed by Contract Number 050555 with Sun Life Assurance Company of Canada. In the event of a discrepancy, benefits will be paid according to the official document and applicable legislation.

You can read the full details of your Optional AD&D Insurance policy in the Sun Life booklet for your employee group:

Mindfulness meditation

The UBC community offers a number of opportunities to learn mindfulness and practice meditation, including on-campus meditation groups, and webinars.

Ways to learn more about mindfulness

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Introduction to Mindfulness

If you would like to get started with meditation, why not try our Introduction to Meditation course on the Workplace Learning Ecosystem? 

The purpose of this course is to introduce the concept of mindfulness and to provide opportunities and options to try out different mindful practices. We hope it serves as an entry point to a mindful practice that is right for you.

 

Benefits of mindfulness

Mindfulness has been shown to help manage our attention and focus our minds with intention. Mindfulness allows us to be present and productive in the here and now. It can also enable us to be more aware of our emotions and to approach people, situations and life in a non-judgmental way. Some of the physical and mental health benefits of mindfulness include:

  • Improved overall health and wellbeing
  • Improved sleep
  • Reduced chronic pain
  • Lower blood pressure
  • Increased sense of joy and contentment
  • Reduced and lessened symptoms of depression
  • Reduced substance abuse
  • Reduced stress and anxiety

Learning to be mindful has many benefits at work, including decreases in stress levels and improvements in:

  • Job performance
  • Problem-solving and conflict resolution
  • Job satisfaction
  • Work-life integration
  • Focus and concentration
  • Ethical decision-making
  • Creativity, innovation and collaboration

Benefits of meditation

Meditation can be both spiritual and secular and typically involves dedicating time to being still and quiet. It can take many different forms and might involve breathing exercises, music, a chant or a mantra.

Meditation involves a number of the same elements as mindfulness; however, mindfulness can be practiced anywhere and anytime, meditation includes setting aside a specific time and place to focus attention and concentration inwards.

Meditation impacts the body in a way that is opposite to stress, restoring a state of calm and helping the body repair from the damage of stress.

Practicing meditation can result in increases in:

  • Self-management skills
  • Positive personal relationships
  • Positive state of mind
  • Perceived work environment atmosphere

and decreases in:

  • Psychological stress
  • Blood pressure
  • Physiological response
  • Stress response

Stay informed

To stay informed and up to date on all of the health and wellbeing offerings for UBC faculty and staff, sign up for the Healthy UBC Monthly Newsletter. If you have any questions about mindfulness at UBC, contact the Workplace Wellbeing Associate EFAP at efap.info@ubc.ca

Optional Life Insurance

UBC’s Optional Life Insurance Plan provides supplementary life insurance coverage in addition to your Basic Group Life Insurance.

You can purchase Optional Life Insurance to a maximum of $750,000 for both you and your spouse. Your dependent children are automatically approved for Optional Life Insurance if you are enrolled in the plan (effective March 1, 2015). For more details on applying for coverage, please refer to sections below. To apply for coverage, visit Workday. 

Login to Workday

For Workday resources and help visit the Integrated Service Centre.

For employees

The Optional Life Insurance Plan provides supplementary coverage in addition to your Basic Group Life Insurance through UBC or any other life insurance you may have.

If you are enrolled in UBC’s Basic Group Life Insurance Plan, you are also eligible to apply for the Optional Life Insurance Plan. When you apply for this optional plan, you must complete a Health Statement that is subject to review and approval by Sun Life.

You select the coverage amount when you apply for the plan in units of $25,000, to a maximum of $750,000. You also designate a beneficiary to receive the sum of money (benefit) if you die. If you do not designate a beneficiary, the benefit is paid to your estate.

For spouses

If you are enrolled for UBC’s Basic Group Life Insurance Plan, you are also eligible to apply for the Optional Life Insurance Plan for your spouse. When you apply for this optional plan, your spouse must complete a Health Statement that is subject to review and approval by Sun Life.

You select the coverage amount for your spouse when you apply for the plan in units of $25,000, to a maximum of $750,000. Your spouse should also designate a beneficiary to receive the sum of money (benefit) if they die. If they do not designate a beneficiary, the benefit is payable to their estate.

Learn more about who is considered a spouse.

For dependent children

Coverage approved as of March 1, 2015 or later:

Your eligible dependent children are automatically approved for optional dependent life insurance coverage if you are approved for employee optional life insurance coverage on or after March 1, 2015. You do not need to apply for this optional plan for your dependent children.

For each $25,000 unit of coverage you purchase for yourself, you will receive $5,000 of coverage for each eligible dependent child at no extra charge. For example, if you are approved for $750,000 Employee Optional Life, each dependent child is covered for $150,000.

Coverage approved prior to March 1, 2015:

Prior to March 1, 2015, the optional insurance for dependent children is based on your spouse’s optional life insurance. If your spouse was approved for spousal optional life insurance before March 1, 2015, you will receive $5,000 for each $25,000 unit of spousal coverage for each eligible dependent child at no extra charge. If you did not have an eligible spouse, the optional life insurance for your dependent children is based on your employee optional life insurance coverage.

Claims

In the event of your child’s death, you are the designated beneficiary for your dependent child’s benefit.

If both parents are UBC employees, only one dependent child claim is payable.

Learn more about who is considered a dependent child.

What are the premiums?

You pay a semi-monthly premium for Optional Life Insurance for coverage for yourself and/or your spouse. For dependent children, there is no additional cost.

The cost of this premium depends on the age of the covered individual, the amount of insurance selected and whether they smoke. Click here for a premiums table.

Premium payments are deducted from each paycheque and they are subject to change annually (each January 1) and as you and/or your spouse age. You pay the full premium cost for coverage.

How do I apply for coverage?

You must apply and complete a Health Statement for Optional Life Insurance for you and/or your spouse. You must be actively at work in order to apply (a disability leave or unpaid leave of absence is not considered actively at work). To apply visit Workday. 

A Benefits Partner from Payroll will send you a Health Statement with instructions on next steps after you submit your enrolment in Workday.

Sun Life will review your application and inform you in writing if you are eligible for Optional Life Insurance. As long as your dependent child is eligible for your other UBC benefits, they will automatically be covered.

When does my coverage begin and end?

See Benefit Coverage Start and End Dates for details on when your coverage begins and ends.

Your coverage may also end if:

  • you or your spouse join the armed forces full time,
  • your children or spouse no longer qualify as dependents, or
  • you no longer pay your insurance premiums.

See Benefit Coverage Start and End Dates for more information.

When coverage ends, you can convert all or a portion of Optional Life Insurance coverage for you and/or your spouse to an individual policy. You will not be asked to complete a health questionnaire to retain the same level of coverage you and/or your spouse had before your coverage ended. You must convert your policy within 31 days after your coverage ends. This conversion option is not available to dependent children. Learn more.

How do I increase or decrease my coverage?

You can increase or decrease your coverage under the Optional Life Insurance Plan in Workday.

All increases to coverage are subject to providing satisfactory proof of good health by completing a Health Statement.

How do I update my status as a smoker or non-smoker?

Your premium costs are influenced by whether or not you use tobacco products. If you have not used tobacco products for the past 12 months, you can update your smoker/non-smoker status in Workday. 

For more information

The outline above is a descriptive summary of the plan and is not a contract. All terms and conditions are governed by Contract Number 050555 with Sun Life Assurance Company of Canada. In the event of a discrepancy, benefits will be paid according to the official document and applicable legislation.

You can read the full details of your Optional Life Insurance policy in the Sun Life booklet for your employee group:

Faculty retirement

Transition to retirement options for faculty and information about Emeritus Status and post-retirement appointments.

Retirement process and options

Faculty wishing to retire must give written notice to the head of their academic unit well in advance of their intended retirement date. Faculty retirement dates usually fall on June 30 or December 31 following their notice date, unless otherwise agreed upon.

Retirement resources for faculty

UBC provides several resources to members of the UBC Faculty Pension Plan (FPP) to support retirement, including counselling and workshops.

The Pension Administration Office offers individual information sessions on pension-related matters as well as larger format seminars. To make an appointment, please call 604 822 3485. Further information on retirement as well as links to other retirement related sites can be found on the Faculty Pension Plan website. You can also use the pension calculator to estimate future account balances(s) and monthly annuity you may receive upon retirement from the UBC FPP.

Designating a beneficiary for Life Insurance

It is important to keep the beneficiary of your life insurance policies up to date, so that in the event of your death (or your spouse’s death for Spousal Optional Life Insurance), the benefit is paid to the correct individual(s).

If you do not designate a beneficiary, the life insurance benefit will be paid to your estate in the event of your death (or to you if there is no beneficiary designation in the event of your spouse’s death and if they hold Spousal Optional Life Insurance).

All beneficiary designations in Workday are revocable with the exception of employees who reside in Quebec and name their spouse as a beneficiary. In the case of a Quebec employee, a spousal  beneficiary designation is irrevocable in Workday. An irrevocable beneficiary designation cannot be changed without the beneficiary’s written consent.  If you are a UBC employee residing in Quebec who wants to designate a spouse as beneficiary and you want the designation to be revocable, contact Janet McHugh at 604-822-6823 or janet.mchugh@ubc.ca.

At your request you may voluntarily make your beneficiary irrevocable.  Or in some situations such as a court ruling, your beneficiary designation must be irrevocable.  If you want to designate an irrevocable beneficiary or change your beneficiary designation from revocable to irrevocable, contact Janet McHugh at 604-822-6823 or janet.mchugh@ubc.ca.

  • To view your beneficiary designation log in to your Workday account and look for Beneficiaries under the Benefits Worklet. 
  • If you wish to designate or change your beneficiary visit Workday. 

Login to Workday

For Workday resources and help visit the Integrated Service Centre.

Job posting and sourcing

Choosing the right posting strategy helps your job reach the right people. This step supports visibility, compliance, and inclusive hiring. 

Before posting a job 

Before you post a job, consider the following: 

  • The type of job, the job market within and outside of UBC, locally, nationally or internationally.
  • Current labour market trends.
  • Your advertising budget if you are considering paid job boards – a good option for broader visibility and reach

Note: Ads posted on third party sites must follow UBC Branding Guidelines and include the University Equity, Diversity and Inclusion (EDI) statement. EDI statements have been added to job descriptions by default and will appear on all Workday postings. 

Background checks

For positions that require a background check, please add the following note to the job posting: 

This position is subject to the satisfactory completion of required background checks. 

Where to post your job

View the main recruiting sites used to post UBC jobs. 

Sourcing candidates 

Job sourcing in recruitment involves actively finding and engaging potential candidates for an already posted job opening.  

Steps for job sourcing:  

  1. Review job boards and resume databases
  2. Share the job posting in your network
  3. Utilize professional groups and forums
  4. Attend networking events
  5. Track and follow up 

Internal promotion/reassignment for non-unionized roles  

In certain instances for non-unionized roles, if you already have an internal candidate in mind, you may post the position with the following statement added:  

This position is expected to be filled by promotion/reassignment and is included here to inform you of its vacancy at the University. 

If you feel you have this scenario, please contact your Departmental HR Representative to discuss.  

Faculty recruitment

For information on recruiting for faculty positions, please visit the Faculty Recruitment section 

Tools to guide you 

Employment Advertising Policy (HR11): Review Policy HR11 for explanatory notes on Employment Adverising Policy. Provides guidance on merit, foreign candidates, posting length, advertising and non-advertising requirements. 

Staff positions: Review the Collective Agreements and terms & conditions of employment of employment for guidance on processes, posting length, appropriate consideration of candidates and more.

Need help?  

Contact Hiring Solutions if you need support with your posting or outreach strategy. 

Next steps

Once your job is posted, you can move on to screening and shortlisting your candidates

Life Insurance conversion

You can convert your UBC group life insurance coverage to an individual policy when you leave UBC.  You can also convert any reduction in life insurance coverage (for example, working past normal retirement) to an individual policy.

Your Basic Group Life Insurance, Optional Life Insurance, and Accidental Death and Dismemberment Insurance plans expire on your last day of employment. You can convert one or more of these plans to individual policies so that you continue to hold insurance coverage.

After your last day of work at UBC (or once you have experienced a reduction in coverage), you have 31 days to convert your Basic Group Life, Optional Life or Accidental Death and Dismemberment insurance plans from a group to an individual policy without having to provide a Health Statement to Sun Life.

You will be responsible for arranging this coverage and paying the premiums associated with any individual policies directly to Sun Life.

Health questionnaire considerations

If you convert your current coverage to an individual policy through Sun Life, you do not need to submit a Health Statement as is required if you are purchasing an individual policy from another provider.

However, if you are in good health, you may want to talk to your financial advisor or insurance provider representative to investigate which insurance policy and insurance company will best suit your needs.

Maximum amounts and rates

The maximum amount you can convert from a group life policy (Basic and Optional Life) to an individual policy is $200,000 for you as an employee and $200,000 for your spouse. This conversion option is not available for dependent children.

Premium rates for individual life insurance policies depend on your age, your sex, whether you smoke, and the customary premium rate charged for the type of insurance you choose.

Questions?

For more information on rates, terms of individual life insurance policies and any general questions about converting your group life insurance coverage to an individual policy, contact Sun Life directly at 1-877-893-9893 to speak with a Sun Life insurance representative.

Contract/Plan Numbers

  • Faculty: 050555-G-014
  • Staff: 050555-G-013

Basic Group Life Insurance

Your Basic Group Life Insurance Plan will pay a sum of money (benefit) to your designated beneficiary in the event of your death. Spouses and dependent children are not covered under the Basic Group Life Insurance plan.

Your age and annual earnings, not including overtime or honoraria, determine your Basic Group Life Insurance coverage. UBC pays the monthly premiums associated with this benefit.

When does my coverage begin and end?

See Benefit Coverage Start and End Dates for details on when your coverage begins and ends.

When your coverage ends, you can convert your group policy to an individual policy. Learn more.

What is my coverage?

Your age and your annual earnings, not including overtime or honoraria, determine your Basic Group Life Insurance coverage.

For salaried employees, payments are calculated by multiplying your annual basic earnings by your age factor at the time of your death. For hourly employees, payments are calculated by multiplying the salary 12 months from the date of your death by your age factor at the time of your death. For example, if you die when you are 45 years old or younger, your beneficiary will receive four times your annual basic earnings. If you die between the ages of 65 and 71, your beneficiary will receive a payment equal to your annual basic earnings. The maximum amount your beneficiary will receive in the event of your death is $300,000.

The value of your life insurance coverage decreases as you get older, assuming your annual basic earnings remain constant. Your life insurance coverage may also decrease if your annual basic earnings are reduced.

You can convert all or a portion of the reduced coverage amount to an individual plan with Sun Life. You can convert all or a portion of your Basic Group Life Insurance coverage to an individual policy within 31 days after you experience a reduction in coverage or your coverage ends. See Converting your group policy to an individual policy for more information.

The table below shows the Basic Group Life Insurance coverage effective Jan. 1, 2019. This coverage may not apply to you if you are not actively at work when the new schedule comes into effect. For more information and previous coverage, refer to your Sun Life Benefit Booklet.

Age Factor
45 and under 4 x annual basic earnings
46 to NRD* 2 x annual basic earnings
Employees who reach their NRD* and continue to work to 71 1 x annual basic earnings

*NRD = Normal Retirement Date. 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.

How do I designate a beneficiary?

It is important to keep your Basic Life Insurance beneficiary up to date, so that in the event of your death, the benefit is paid to the intended person. See designating a beneficiary for more information.

For more information

The outline above is a descriptive summary of the plan and is not a contract. All terms and conditions are governed by Contract Number 050555 with Sun Life Assurance Company of Canada. In the event of a discrepancy, benefits will be paid according to the official document and applicable legislation.

You can read the full details of your Basic Life Insurance policy in the Sun Life booklet for your employee group:

Counselling services

Through UBC’s Employee and Family Assistance Program (EFAP), you have access to confidential counselling services and clinically developed resources to help you and your family resolve a wide range of issues, at no extra charge.  

Crisis Counselling 

If you are experiencing a crisis and require immediate counselling services, call 1-866-424-0770 and select the emergency option to speak to a crisis-trained counsellor who will provide immediate support. You can also access crisis support on the GreenSheild+ platform.    

Choosing the right counsellor is essential for effective mental health support. With GreenShield Health, you will be matched to a counsellor based on your specific needs and preferences across more than 50 search criteria, including culture, language, religions, and specialty areas like LGBTQ2S+ issues or Indigenous health professionals (available to self-identifying Indigenous faculty and staff). 

You can access these and many other services through the GreenShield+ (GS+) platform or by phone at 1-866-424-0770, where a personalized matching service ensures you receive the right level of care. 

Getting started

You and your eligible dependents can contact GreenShield by phone at 1-866-424-0770 or by booking a counsellor through the GreenShield+ online platform

Need help signing in to GreenShield for the first time? We have all the steps listed on the Employee Family Assistance Program page.

To match you with the most effective and suited counsellor, GreenShield gathers information related to your specific issues and preferences to produce a short list of best-matched counsellors for you to choose from. You will select amongst 50 different criteria so that you can be best matched to a counsellor.

Other preferences

You can also provide feedback concerning your current mental and physical states, how you are currently coping with your professional and personal life and the types of symptoms you might be struggling with (e.g., anxiety, depression, trauma, excessive substance use, etc.).

Last, you will be able to indicate your language preference(s) when completing the self-assessment. GreenShield will then produce a short list of the best-matched counsellors and the employee can choose.

The 15-minute introduction session

Your 15-minute initial consultation with your counsellor is for you and your counsellor to make sure that you are a good fit for each other. Listen to your counsellor as they explain their approach and how they would work with you. If you feel like your counsellor is the right person to help you on your journey you can book a follow-up appointment with them. If you feel like your counsellor wasn't the right match for you, then you can do the matching steps again and book another free initial consultation with a new counsellor. Free consultations are not available for couples counselling sessions.

Support formats

GreenShield's professional EFAP counselling services are available in four different formats

Note: Dependents younger than 16 will need to call GreenShield Health at 1-866-424-0770 to connect with counselling services and will require parental consent.

two circles with person avatar icon

In-Person Counselling

In-Person Counselling allows you to talk to a counsellor face-to-face to address your concerns in a private office, in a location that’s convenient for you.

Book an appointment by visiting app.greenshieldplus.ca/en/ or by calling 1-866-424-0770.


Black speech bubble icon

Telephonic Counselling

Speak with a counsellor on your land line or mobile telephone. This option eliminates the need to travel, and may be suitable if you feel more comfortable with the sense of privacy offered by counselling over the phone. Extended after-hours appointments offer great convenience and flexibility for your whole family.

For Telephonic Counselling, call 1-866-424-0770.


Black computer with avatar on screen icon

On-line Counselling

Includes E-Counseling, Video-Counselling, and Chat functions through secure website to maintain the highest level of security and confidentiality for all communications/correspondence between the parties.

For Video Counselling, call 1-866-424-0770 or book a counsellor on the GreenShield+ platform.


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GreenShIEld+ app

If you are keen to access our EFAP on the go, you can also download the GreenShield+ app for Apple and Android

 

Insurance during MSP waiting period

If you are coming to UBC from outside of BC (and within Canada) or outside Canada, you and your eligible dependents must complete a waiting period for MSP.

If you are new to BC, please apply for the Medical Services Plan (MSP) as soon as possible. 

The waiting period consists of the balance of the month in which residence in British Columbia is established, plus two months. Generally, the date residence is established is the date of arrival in BC, however this is determined by the Ministry of Health based on a number of factors, including the type of immigration status held. For more information, visit the Health Insurance BC website. Because of this waiting period, you should organize medical coverage. 

If you are coming to BC from another Canadian province or territory, you should maintain your coverage with your former provincial medical plan during this MSP waiting period. This will ensure you are covered for any medically necessary physician and hospital services by your former province as you wait for your MSP coverage to start.

If you are coming to BC from outside of Canada, you should arrange for private coverage during the MSP waiting period. Faculty and staff employed or appointed by the university from outside Canada can purchase private coverage during the waiting period through the David Cummings Insurance Services (DCIS) or Sun Life so that you will be reimbursed for medical claims.

 

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