Welcome to the UBCP! We know you have a lot of questions – we’re here to help you answer them.

Congratulations on joining UBCP!

Now that you are a UBCP member, you have some big decisions to make. One of those decisions is choosing which benefits program is best for you. We can help.

The MBT is the benefits program where you can get comprehensive coverage without having to make a lot of money.

Even if you only make $500 per year, you have benefits. 

With the MBT, you always know what you need to earn in order to qualify for the next level of coverage. And we are just a phone call or email away -Sarah and Tunde are there to answer your questions.


As a new member of the MBT you will receive, upon enrolment:

  • a $10,000 Group Life and Accidental Death & Dismemberment (AD&D policy),
  • access for you and your dependents to an Employee Assistance Program, as well as
  • the opportunity to purchase a health and dental plan to cover you until you qualify for the main group plan

Once you qualify for the MBT plan, based on your previous calendar year earnings, you may be eligible for the following benefits (subject to stated minimum requirements):


Group Life and AD&D is provided to a maximum of $400,000. Optional Group Life and AD&D insurance is available in increments of $10,000 to a maximum of $500,000. Minimum earnings $500


The prescription drug plan is coordinated with the Provincial Pharmacare program and reimburses qualified prescriptions up to a maximum benefit of $5,000 per benefit year. Minimum earnings: $4,500


Dental coverage includes 6 month recalls, basic and major restorative care, teeth whitening and orthodontic coverage, based on eligibility. Minimum earnings: $7,500


Critical Illness insurance provides a lump sum benefit in the event that you are diagnosed with a covered illness including, Heart Attack, Stroke and Cancer. Up to $100,000 in coverage is available to eligible members. Minimum earnings: $17,500


The UBCP RBS Program includes non-registered and registered accounts. There are a variety of investment options for you to choose from including socially responsible funds, asset allocation and target date funds, and low investment management fees. You will have 24/7 access to your accounts and can start your retirement planning as soon as you enrol. Minimum earnings: N/A


Short term disability provides a maximum of $1,000 per week, payable for a maximum of 52 weeks if you are unable to work in your own occupation due to injury or illness. Long term disability provides a maximum benefit of $5,000 per month, payable to age 65. Minimum 3 year average earnings: STD = $17,500   LTD = $35,000


Paramedical coverage includes massage, physiotherapy, chiropractor, naturopathy and acupuncture. Vision coverage includes eye exams, glasses, contacts and prescription sunglasses. Minimum earnings: $4,500


A 90 day travel insurance policy covers you if you are away on vacation or working out of the province or country. Minimum earnings: Under age 70 = $4,500  Over age 70 = $12,000


With Lifeworks, you and your dependents have access to a free, confidential service to assist you in resolving a variety of problems and challenges. Lifeworks provides information or services for counselling, legal and financial clarity, health advice, stress management, and managing relationships and family matters. Minimum earnings: N/A, members are eligible upon enrolment in MBT plan.


The MBT and RBS policies can be found here. Please take some time to read more about your benefits.

Why the MBT?

You might be wondering what all this means? Insurance terms are confusing and it’s hard to know exactly what you’re getting. We’ve put together 10 reasons why the MBT is the best choice for you.

  1. Insurance contributions are kept in your name, for your benefit. .
  2. Our Reserve Withdrawal Policy means you can withdraw excess funds if your insurance coverage isn’t enough.
  3. Our insurance partners are the best in the country. They belong to Assuris, which protects you in the unlikely event that the insurance company fails.
  4. If your earnings decrease, Class Drop Protection helps to maintain your Extended Health Benefits. This protection lasts until the benefit year ends.
  5. Faster reimbursement of claims. Online claim submission and direct deposit mean you get your money back faster!
  6. If you get hurt and are unable to work, short and long term disability benefits are available to help.
  7. Critical Illness Insurance offers a lump sum payment to help you right away if you are diagnosed with a covered critical illness.
  8. Lifeworks is a concierge Employee Assistance Program designed to help you with anything from short term counselling services to finding a new doctor or researching your next vacation.
  9. Our retirement program has a variety of options to invest your money, and online tools to help you decide which is the best option for you. The fund manager is one of the top investment managers in Canada – they are taking good care of your money.
  10. You have instant access – anytime – to your RRSP accounts and Health and Dental coverage. Change your investment options, check your benefits or find a massage therapist, instantly!

The MBT is For Members, By Members. Give us a call.

Ready to get Started?

Choosing the MBT is easy! All you need to do is fill out a form to get started right away.

Sign Me Up!


What do I get?

The MBT offers very comprehensive and competitive coverage for its members. We have 7 Benefit Classes based on income. For example, if your income is $8000 per year, you will be in Class 3 and receive the benefits listed in that class. The Chart below shows what benefits are available at each income level.

2021 Benefit Health Program Summary
When do my benefits start?

When you enrol in the MBT you are immediately eligible for:

  • a $10,000 Group Life and Accidental Death & Dismemberment (AD&D policy),
  • access for you and your dependents to an Employee Assistance Program, as well as
  • the opportunity to purchase a health and dental plan to cover you until you qualify for the main group plan

The Benefit year is June 1 to May 31 and class level is based on your earnings as a full UBCP member from the previous calendar year. For example, if you become a full UBCP member on October 15, 2016, you would be eligible for coverage June 1, 2017. Your class level as of that date would be based on your earnings from October 15, 2016 to Dec. 31, 2016.

What do the different classes in the chart mean?

The different classes of coverage are based on your income. For example, if your income is between $500 – $4,499 you qualify for Class 1 and you receive Life and AD&D coverage.  If your income is $12,000 you would qualify for Class 4 and would be eligible for Life and AD&D, Prescriptions, Paramedical, Orthotics, Travel Insurance, Eye exams, and Vision coverage, as well as Dental coverage. Class levels are based on calendar year earnings and changes occur June 1 of each year.

Within each Class you can see which benefits you receive as well as how much coverage is available for each benefit.


We’ve partnered with the best in the industry to ensure you get the best coverage for your needs. Did you know that you can directly access your account with each of our partners? Just click the logos below and you’ll be taken directly to their sites. If you get stuck or have questions, let us know or check out the FAQ page.

Green Shield Canada

Extended Health and Dental coverage.

Life and Disability Services


Employee Assistance Program (EAP)