Moving to British Columbia

Some of the first things you’ll need to do when you arrive are to make sure that you and your family have health care coverage to cover the cost of medical services, and to enrol in UBC benefits, payroll and pension.

  • As soon as you arrive in BC, apply for Medical Services Plan (MSP), the province’s medical plan.
  • Since you will be required to serve a waiting period before your MSP coverage starts, arrange for private medical insurance if you are arriving in BC from outside Canada. If you are coming to BC from another Canadian province or territory, you will be covered by your former provincial medical plan during the waiting period.
  • Apply for your UBC benefits, payroll and pension.

What is the BC Medical Services Plan?

In Canada, the cost of medically necessary physician and hospital services is covered by the public medical plan in the province where you live. In British Columbia, this plan is called the British Columbia Medical Services Plan (MSP).

All BC residents must enrol in the MSP. This includes:

  • non-permanent residents, such as those holding study and work permits valid for six months or more, and
  • applicants for permanent resident status who are the spouse or child of an eligible BC resident.

Learn more about the MSP and private medical coverage while serving the MSP waiting period. 

Note: You can read more about these topics below, but here’s a summary of what you need to do:

How do I enrol in UBC payroll, pension and benefits?

Your appointment type, length and percentage of time worked will determine your eligibility for pension and benefits at UBC. If you are eligible, the full benefits package includes:

Learn more about how to enrol for benefits.

Questions?

Contact benefitsinfo@hr.ubc.ca 

Coordination of Claims

Are you covered by more than one benefit plan?

UBC’s Extended Health and Dental plans allow for double coverage. This means that if you are covered under your spouse’s plan, you can also enrol in the UBC Extended Health and Dental plans if your spouse’s plan also allows for double coverage.

If you are covered under another Extended Health and Dental benefits plan in addition to the UBC plan (for example, through your spouse’s plan), you can submit expenses under both plans to maximize your reimbursement.

This means that if your plan does not cover the full costs of service, you can submit a claim for the unpaid amount to the second benefit plan to claim any amount not covered by the first plan.

This is called coordinating your claims and there are rules for the order in which claims are paid.

How to coordinate a claim submission when you are enrolled in two plans

The Canadian Life and Health Insurance Association has established guidelines for how to coordinate claims to ensure claims are charged to the correct benefit plan. The order of claims submission is outlined below.

Submit claims for you and your spouse in the following order

  • The plan where the person is covered as an employee. If the person is an employee under more than one plan, the following order applies:
  • the plan where the person is covered as an active full-time employee
  • the plan where the person is covered as an active part-time employee
  • the plan where the person is covered as a retiree.
  • The plan where the person is covered as a dependent (for example, if you are covered as a dependent under your spouse’s plan).

Submit claims for a dependent child in the following order:

  • The plan where the dependent child is covered as an employee.
  • The plan where the dependent child is covered under a student health or dental plan provided through an educational institution.
  • The plan of the parent with the earlier birth date (month and day) in the calendar year. For example, if your birthday is May 1 and your spouse’s birthday is June 5, you must claim under your plan first.
  • The plan of the parent whose first name begins with the earlier letter in the alphabet, if the parents have the same birth date.

In situations of separation/divorce and there is no joint custody of the child, please refer to your Sun Life Benefits Booklet for the order of claims submission standards. You can download a copy of the Sun Life Benefits Booklet that applies to your employee group.

How do I submit my claim?

Remember to make copies of your receipts before you submit a claim.

Submitting a paper claim

  • Print the applicable claim form.
  • Check the ‘yes’ box on Section 2 of your paper claim form to indicate that you are also a member of another benefit plan.
  • If the second benefit plan is with Sun Life, Sun Life will process the claim under both benefit plans using a single claim form.
  • If the second benefit plan is not with Sun Life, refer to the guidelines above to determine which plan the claim should be submitted to first.
  • If the UBC plan is the first plan, complete the claim form as you normally would. Attach a copy of the Sun Life Claim Statement to the claim form of the second benefit plan, so that the other plan knows the value of the unpaid balance.
  • If the UBC plan is the second plan, attach a copy of the Claim Statement from the other plan so that Sun Life knows the value of the unpaid balance.

Submitting a claim online

You can complete a claim online through mysunlife.ca or using the Sun Life mobile app (only certain claims may be submitted over the website or mobile app). See Submitting an Extended Health or Dental claim online to see what types of claims may be submitted online.

  • If both plans are with Sun Life and the claim is eligible for online submission, you can submit your claim online with one single transaction.
    • Indicate that you want to submit a Coordination of Benefits claim and that you want to submit the unpaid balance to your spouse’s plan. You will need to include the name of your spouse’s policy and certificate numbers, as well as their date of birth.
  • If the second benefit plan is not with Sun Life, refer to the guidelines above to determine which plan the claim should be submitted to first.
    • If the UBC plan is the first plan, submit your claim online as you normally would. Print a copy of the Sun Life Claim Statement and attach it to the claim form of the other benefit plan, so that the other plan knows the value of the unpaid balance.
    • If the UBC plan is the second plan, submit your claim online for the unpaid balance. Indicate that you want to submit a Coordination of Benefits claim and that you do not want to submit the unpaid balance to your spouse’s plan. Mark that you want to submit the unpaid balance to Sun Life and fill in the amount that the other plan reimbursed you for on the claims information page. You can find this amount on the Claim Statement received from the other plan (be sure to keep a copy of this Statement in case Sun Life audits your claim).

Claims submitted directly by your dentist or healthcare provider

In some cases, your healthcare provider may submit the claim on your behalf when they provide treatment or service. This can include prescription drug claims (when you use your Sun Life pay-direct drug card), claims for dental services as well as vision care and paramedical services if your provider is registered with Express Scripts Canada, in which case your healthcare provider will submit the claim on your behalf.

For prescription drug claims, provide the pharmacist with the details of both benefit plans so the pharmacist can send the claim to both plans in the right order. If both you and your spouse have drug cards under your individual benefit plans, the pharmacist can coordinate your benefits right at the pharmacy counter.

You will need to provide your dental office with the details of both your benefit plans so the office can send claims to both plans in the right order.

If you no longer wish to coordinate your claims

Inform Sun Life (1-800-361-6212) if you are no longer coordinating your extended health and dental benefits. If you do not inform Sun Life of the change, Sun Life may delay processing your claims. Note that UBC does not collect or report coordination of benefits information to Sun Life.

Retirement & survivor benefits

The Retirement and Survivor Benefits (RSB) Program is for former UBC faculty and staff who have retired or who left UBC at age 55 or older. 

The RSB Program also provides benefits to eligible surviving family of UBC faculty and staff.

Quicklinks:

About RSB

If you are 55 or older when you retire or leave your employment at UBC, you can choose to participate in the Retirement and Survivor Benefits (RSB) Program. The RSB Program also provides benefits to eligible surviving family of UBC faculty and staff.

The RSB Program includes three benefit plans:

You can enrol in one or more of these plans. The coverage offered by these plans is not the same as the benefits offered to current UBC employees. For example, the cost of vision care is not covered under the RSB Program, and the reimbursement level for some services and supplies is different.

Enrolment deadline

If you want to enrol in the RSB Program, you must do so within 31 days of:

  • retiring or leaving your employment at UBC and/or
  • the end of your coverage under the UBC Benefit plans if you are a surviving dependent of a UBC employee.

If you do not enrol in the RSB Program within this time frame, you will not be able to join at a later date.

Deciding if the RSB Program is right for you

Enroling in the RSB Program when you leave your employment at UBC after the age of 55 is an optional, one-time opportunity.

You might find it useful in your decision-making process to:

  • consider the cost of the plan,
  • assess the benefit coverage offered by the plan,
  • examine your past experience with medical and dental expenses,
  • forecast your future medical and dental expenses,
  • speak with your financial advisor, and
  • check for competitive rates and coverage with other providers of private medical and dental coverage.

Learn more

Learn more about:

If you are retiring from UBC, please visit our Retirement section for more information.

Benefits while travelling

If you are travelling for work or a holiday, it’s important to know about your medical benefits coverage while you are out of the province.

This section provides important information and links to resources to help you understand your benefit coverage (including what’s not covered) while travelling outside of BC. You will also find details on who to contact for assistance in the event of a medical emergency.

Click on one of the following links for information about your benefits coverage when travelling:

Travel benefits disclaimer

Disclaimer: This outline is for information purposes only and is a descriptive outline of the plans described; it is not a contract. UBC does not warrant the completeness, timeliness or accuracy of any of the information contained in this web site. Plan terms and conditions are governed by policy contract numbers 025205, 023218, 050555-G, 100328, 100768 and 51075 with Sun Life Assurance Company of Canada and Policy #920137 with AXA Insurance Inc. In the event of a discrepancy between the information provided on this web site and these policy contracts, benefits will be paid in accordance with the policy contracts.

Any information on the Medical Service Plan of BC (MSP) is a descriptive outline only; UBC is not responsible for the terms and provisions of this plan as it is administered by Health Insurance BC (BC Provincial Government). UBC does not warrant the completeness, timeliness or accuracy of any of the information contained in this web site. For further information, please refer to MSP website.

You must be registered and enrolled the benefit plans to receive the coverage under the plans. Coverage under some of the UBC benefit plans is not automatic. It is the sole responsibility of the traveller to ensure that they are enrolled in the UBC plans and have appropriate coverage in place based on their personal circumstances and their travel destination.

Vacation and leaves

UBC offers many different types of paid and unpaid leaves – from time off for professional development to a leave to look after a critically or terminally ill family member. The links below provide information about the leaves available to you and how you can request the time off.

Depending on your UBC employee group and the type of leave, your UBC benefits might be affected. On some leaves, you continue to receive your UBC benefits, while for other leaves, you will need to pay both your cost and UBC’s cost to maintain your benefits. See Benefits Coverage while on a Leave for more information.

Types of leaves

Income Replacement & Disability Benefits

If you are on short-term sick leave and unable to work for more than a four- or six-month period (depending on your employee group) due to illness or injury, you may qualify for long-term disability, which will provide you with a monthly income based on a percentage of your pre-disability gross monthly salary.

For faculty, the long-term disability plan is called the Income Replacement Plan. For staff employees, the long-term disability plan is called the Disability Benefit Plan. Sun Life is the University’s insurer of the Income Replacement and Disability Benefit plans.

If you are in the third month of your absence from work due to illness or injury and it does not seem that you will be able to make a full return to work, you should apply for long-term disability. Start the process by sending an email to disabilityclaims.info@ubc.ca (or contact the Benefits team to discuss) to learn how to apply for benefits and to obtain the application forms you’ll need.

If you apply for benefits, you need to provide proof that you became disabled while you were covered by the plan and that you have been following appropriate medical treatment for your disability since its onset.

For information on short-term sick leave or unpaid medical leave, please visit the Leaves section.

Need help understanding your sick leave and applying for long-term disability? Read our claims process guide:

Learn more about your long-term disability plan

There are some differences between the plans for each of UBC’s employee groups, so please review the section that applies specifically to your group and check the Sun Life benefits booklet for further details.

Life Insurance

Your UBC Life Insurance Plans include the following mandatory and optional life insurance plans:

How do I make a change to my life insurance policies?

You can make the following changes to you and your spouse’s life insurance policies in Workday:

  • Changing your Basic Life beneficiary (employee only)
  • Changing your Optional Life beneficiary
  • Applying for Optional Life/AD&D for the first time, or increasing coverage
  • Cancelling Optional Life/AD&D, reducing coverage or change in smoker/non-smoker status

Visit Making enrolment changes for more information on how to make a change to your life insurance policies. 

How do I submit a life insurance claim?

If you die, your beneficiary or executor must contact UBC Human Resources to submit a life insurance claim. We can only communicate directly with the designated beneficiary, beneficiaries or trustees that are on file. They will be asked to provide all of the following information in writing:

  • name of deceased
  • date of death
  • a copy of the death certificate certified by a lawyer, notary or Commissioner of Oaths

UBC Human Resources will then provide the necessary claim forms and help with the claim submission process.

If your spouse or dependent child dies and was covered for Optional Life Insurance, please contact UBC Human Resources to initiate a claim.

Please contact Janet McHugh at 604-822-6823 or janet.mchugh@ubc.ca to submit a life insurance claim.

How do I apply for a loan against my life insurance?

If you are diagnosed with a terminal illness and are expected to live less than 24 months, you may be eligible to apply for a Living Benefits loan, which can provide some financial relief.

For more information about Living Benefits loans, including details about the application and approval process, contact UBC Benefits.

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.

For complete details about your Life Insurance Plans, refer to the Sun Life benefits booklet for your employee group.

Health spending account

The Health Spending Account (HSA) benefit is available for some employee groups at UBC.

 

If you are eligible for this benefit, the HSA provides you with an annual credit to pay for certain expenses that are not covered by UBC’s Extended Health and Dental plans. These expenses could include the cost of deductibles or amounts over plan maximums. The HSA credit is allocated to you and you may use it to pay for claims for your eligible dependents.

 

The HSA benefit is available to employees who are members of the CUPE 116, CUPE 2950, IUOE 115, Management & Professional, BCGEU Vancouver (Child Care), BCGEU Okanagan and Faculty (includes Academic Executives and Postdoctoral Fellows) employee groups who are also enrolled in the UBC Extended Health Plan.

 

Eligible CUPE 2278 (Teaching Assistants) learn more about your Health Spending Account

Eligibility

You are eligible for the Health Spending Account (HSA) benefit if you are a member of one of the following employee groups and you are enrolled in the UBC Extended Health Plan:

  • CUPE 116
  • CUPE 2950
  • IUOE 115
  • Management & Professional (Paymaster and TRIUMF M&P employees are not eligible for the HSA benefit)
  • BCGEU Vancouver (Child Care)
  • BCGEU Okanagan
  • Faculty (includes Academic Executives and Postdoctoral Fellows).

Eligibility for new hires

If you have just joined UBC, you are eligible for the HSA benefit as of the date you are enrolled in the Extended Health Plan. This benefit is not pro-rated, so even if you enroll partway through the year, you are still eligible for the full annual amount of the HSA benefit.

How the HSA benefit works

You will receive a credit on January 1 of each year. The Health Spending Account (HSA) credit is valued at:

  • $500 per year if you are a member of CUPE 116,
  • $375 per year if you are a member of CUPE 2950,
  • $400 per year if you are a member of the Management & Professional employee group (includes Management & Professional, Excluded Management & Professional, Service Unit Director and Administrative Executive),
  • $1,000 per year if you are a member of IUOE 115,
  • $200 per year if you are a member of BCGEU Vancouver (Child Care),
  • $200 per year if you are a member of BCGEU Okanagan, or
  • $400 per year if you are a member of the Faculty (includes Academic Executives and Postdoctoral Fellows) employee group.

The HSA is a non-taxable benefit and it must be used within a certain time frame. You can carry forward unused portions of the credit for one year, but if you do not use the carried-forward amount by the end of the second year, you will lose the carried-forward amount.

Deadlines for submitting claims

There is a deadline to submit HSA claims. You have 90 days from the end of the benefit year (December 31) to submit an HSA claim for expenses incurred during that year. For example, at the end of December 31, 2025, you have 90 days (until March 31, 2026) to submit claims for 2025. After March 31, 2026, you are no longer able to submit 2025 claims to your HSA. Please note, it is recommended you submit your claims prior to the last claiming deadline day as Sun Life’s e-claims system is unavailable overnight during Eastern Standard Time.

Here is an example of how the HSA works for employee groups with a $200 credit per year.

2025

ActivityDateTransaction AmountHSA Balance
Starting BalanceJan. 1, 2025$200 for 2025$200
Claim #1Oct. 1, 2025$50$150
Claim #2Nov. 1, 2025$25$125
End of 2025Dec. 31, 2025You have 90 days from Dec. 31 to submit 2025 claims$125 carry-forward

2026

ActivityDateTransaction AmountHSA Balance
Starting BalanceJan. 1, 2026$200 for 2026 + $125 carry-forward from 2025 = $325$325
Claim #1Sept. 1, 2026$120$205
Claim #2Oct. 1, 2026$50$155
End of 2026Dec. 31, 2026You have 90 days from Dec. 31 to submit 2026 claims$155 carry-forward

If you have questions about making HSA claims, you can contact Sun Life via secure message at mysunlife.ca, or phone them directly at 1-800-661-7334 or 1-800-361-6212.

Eligible expenses

What does the HSA cover?

Your Health Spending Account (HSA) benefit can be used for many expenses that are either not covered or are only partially covered by UBC’s Extended Health and Dental plans. These include:

  • deductibles; amounts over plan maximums (for example, if you’ve reached your annual maximum for physiotherapy, then you can claim your extra expense);
  • amounts over plan maximums (for example, if you’ve reached your annual maximum for physiotherapy, then you can claim your extra expense);
  • unpaid portions of prescription drugs, dental (including orthodontics) and paramedical services;
  • unpaid amounts from your spouse’s plan (if you are covered under your spouse’s plan);
  • unpaid amounts for out-of-country claims;
  • unpaid amounts for laser eye surgery;
  • physician fees for completing forms/reports; and
  • insurance premiums for private health or dental care coverage.

For a complete list of eligible expenses, refer to the Sun Life HSA List of Eligible ExpensesCanada Revenue List of Common Medical Expenses You Can Claim or visit the Sun Life Members website. This list is subject to any changes that are made to the list of items qualifying as medical expenses under the Income Tax Act (Canada).

What is not covered by the HSA?

Your HSA does not cover the following expenses:

  • provincial health plan premiums,
  • non-prescription medication,
  • fitness club fees,
  • home gym equipment, or
  • books about health and wellness.

For more information on ineligible expenses, refer to the Canada Revenue List of Common Medical Expenses You Cannot Claim.

HSA claims for dependents

The HSA credit can also be used towards dependent’s claims as well.

Eligible dependent(s) include your:

  • spouse or partner,
  • dependent children (age 18 or younger, or age 19 to 24 if in full-time attendance at a school or university), and
  • disabled children of any age who are financially dependent on you

The following dependents are also eligible if they are financially dependent on you in accordance with the Canadian Income Tax Act and they reside in Canada:

  • dependent children age 25 and over,
  • grandchildren,
  • parents,
  • grandparents,
  • brothers and sisters,
  • aunts and uncles, and
  • nieces and nephews.

When you submit your claim online or sign your paper claim form, you are acknowledging that the dependent you are claiming for is financially dependent on you.

How to submit your HSA claim

As with most UBC Extended Health and UBC Dental expenses, you can submit HSA claims online or by mail. We’ve outlined the process below, and have included information about how to coordinate your claim with another group plan.

 

Onboarding for new hires

Welcome to UBC, one of the world's top universities and one of Canada's top employers. We're here to support you as you settle into your new role at UBC.

The essentials to get started

Below are some guidelines to help you get oriented to your new role and to the UBC community. Your manager or local administrator may offer a more customized plan that will be relevant to you, your role, and your work arrangement.

You can also use the New Hire's Onboarding Checklist to guide you throughout the process.

View New Hire's Onboarding Checklist (PDF)

View UBC Vancouver Onboarding Journey Map (PDF)

View UBC Okanagan Onboarding Journey Map (PDF)

Tour UBC's campuses

Experience what makes UBC unique and learn what’s available to you on our two stunning campuses – all without leaving your home. Explore the Vancouver campus and Okanagan campus by taking a virtual guided tour. 

Your UBC employee orientation course

There’s a lot to learn and discover as you settle into your new role at UBC. The New to UBC Orientation Course is a self-directed resource and learning space filled with informative and interactive content curated specifically to support new faculty and staff as you navigate the university community during your first couple of months and beyond. 

Through a series of course modules, you will: 

  • Learn about the resources, services and support available to you as you navigate your career journey at UBC, now and beyond your onboarding.
  • Develop a foundational understanding of how we are shaping the future of research, teaching and work, and how you can contribute to UBC's mission and priorities.
  • Learn about the unique opportunities to explore and get involved in our community, and why we are consistently recognized as one of Canada’s Top Employers. 

Faculty and Staff Orientation events offered by the university will expand on the content in this course and provide additional networking and engagement opportunities with the UBC community.

New to UBC Vancouver Orientation Course  

New to UBC Okanagan Orientation Course

Campus-wide orientation events for faculty and staff

Welcome to UBC Orientation
The Welcome to UBC Orientation event is hosted throughout the year to welcome and support new staff and faculty as they begin their journey at UBC. This interactive session will combine speakers and activities for new hires to learn more about UBC and our priorities, ways to be engaged in the campus community, and the opportunities available here for you. You will also have the opportunity to connect with fellow new colleagues and hear tips and advice from seasoned staff.

Benefits@UBC Webinars for Faculty and Staff
The Benefits@UBC webinar is hosted throughout the year by the UBC Vancouver Benefits team to help new faculty and staff to better understand the wide range of benefits available to you. Join us to learn which benefits you are eligible for and how to access them including Extended Health and Dental Care, Life Insurance, Employee and Family Assistance Program, and Tuition Waivers. 

You@UBC: Navigating Your Development Journey for Staff
The You@UBC Professional Development (PD) Orientation event is hosted three times per year by the Learning and Talent Development team as an interactive session to support staff in exploring the professional development resources available at UBC, and engaging in reflection and goal setting around navigating your development journey in your current role at UBC. 

Register for a Welcome Orientation, Benefits Webinar, or PD Orientation  

New Faculty Teaching Orientation
UBC’s New Faculty Teaching Orientation is hosted annually in August by the Centre for Teaching, Learning and Technology to welcome and support new instructors as they navigate their roles and responsibilities at the institution. The orientation provides an opportunity for new faculty to learn about the academic culture, policies, and practices of the institution, as well as the resources available to support their teaching, research, and service. This event also presents a valuable opportunity to connect with new colleagues and foster professional networks.

Register for the 2025 New Faculty Teaching Orientation

New to UBC Vancouver Connections Program
The New to UBC Vancouver Connections Program is a self-directed, cohort-based program designed to support new faculty and staff within their first year of employment with building new connections within the UBC community and creating shared experiences as they navigate their onboarding journey. Program participants are matched into small groups and determine how frequently to meet with group members and what types of activities to engage in. 

Register for the next cohort of the Connections Program

Questions? 

If you have questions or need help in your first days and weeks at UBC, questions around your onboarding experience, or resources available to you, contact the Orientations & Onboarding team at workplace.orientations@ubc.ca

Who to contact for specific issues:

Supports for managers

If you are a manager or administrator supporting the onboarding of new hires, visit the New employee checklist and orientation page (CWL-protected) to access onboarding guides, onboarding journey maps, checklist templates and more resources to help you make the onboarding experience successful.


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Medical Services Plan

The Medical Services Plan (MSP) is the BC provincial government’s medical insurance plan and is administered by Health Insurance BC.

All eligible BC residents and their dependents must enrol in MSP, which pays for the medically required services of physicians and surgeons, hospital services, as well as dental and oral surgery when it is medically required to be performed in a hospital.

To be eligible to enrol in UBC’s Extended Health Plan, you must be eligible and enrolled in the Medical Services Plan of BC or another Canadian public health plan. UBC’s Extended Health Plan, provides you with coverage for medical services and expenses that are not covered by MSP, such as prescription drugs, vision care and more.

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