Group Benefits Program

UBCM provides Group Benefits insurance coverage to over 3,000 employees employed in the municipal sector and provincial affiliated community based agencies.

Through the UBCM Group Benefits plan, your organization can create a customized group benefits plan design that meets your specific needs and conforms with your individual collective agreements.

Our plan provides the following benefits:

  • Dental 
  • Extended Health 
  • Group, Optional & Dependent Life Insurance
  • Accidental Death and Dismemberment (AD&D) & Optional AD&D
  • Short Term Disability
  • Long Term Disability
  • Employee Assistance Program
  • Critical Illness Benefit
  • Health Spending Accounts

The UBCM Advantage


Tailor your plans to meet your needs or align your plan design with local collective agreements. 

Improved Access to Benefit Coverage

Get coverage that may otherwise not be available to local governments or to your size. 

Increased Bargaining Power

UBCM negotiates rates on premiums, renewals and claims management.

Reduced Cost

No broker payments or commissions to UBCM and more cost efficient administration due to the size of the UBCM plan.

UBCM Value-Added Services

  • UBCM representation and assistance with claims. We advocate on our members' behalf!
  • Employee booklets
  • Ensuring timely information and quotes are received
  • Assistance during negotiations

Conferences and Networking Opportunities

UBCM hosts a Benefits Conference to provide learning opportunitites and inspire new ideas.

Professional Assistance from George & Bell Consulting

  • Benefit program design
  • Monitoring insurance company practices
  • Reporting industry trends
  • Annual audit of plan underwriting provisions
    - Analyses of current and historical financial experience
    - Review of annual expense levels

Benefits for Elected Officials

The UBCM plan offers elected officials access to the following advantageous features of our Group Benefits Program:

  • Extended Health Care
  • Dental
  • Employee and Family Assistance Plan (EFAP)
  • Optional Life Insurance
  • Optional Accidental Death and Dismemberment

Eligibility & Enrollment

Following local government elections, elected officials have four (4) months to enroll. There must be a minimum of three (3) elected official applicants in your local government to enroll. Enrollment must be for the full term of office.