AAPS Memo: Changes to the AAPS Long-Term Disability Benefit Plan

AAPS Members:

We wanted to let you know about some proposed changes to the Disability Benefit Plan (DBP) and our intention to put the plan out for tender.

Sun Life is currently your DBP provider and plan administrator. While members will continue to enjoy an overall low premium rate compared with other groups, Sun Life has proposed an increase of 25% starting January 1, 2021.

This chart provides a series of examples of the increase. Please note that DBP premium payments are based on a percentage of your overall gross salary and are automatically deducted from your UBC paycheque.

Corrected Rates

Monthly Gross SalaryCurrent DBP Monthly PremiumDBP Monthly Premium as of January 1, 2021
 Rate = 0.659%Rate = 0.824%
$10,000.00$65.90$82.40
$7,000.00$46.13$57.68
$5,000.00$32.95$41.20


Given this proposed increase, AAPS considers it our due diligence to review plans administered by other benefits providers to ensure members have a plan that meets their needs.

When proposing the annual rate, Sun Life typically considers the number of claims during the most recent five years, our plan member demographics, and potential future claims. While the rate has been slowly decreasing for the last few years, this year Sun Life is proposing a more significant change than usual.

AAPS is working with benefits consultant HUB International, CUPE 2278 (who has some members in the plan), and UBC HR on a review of the plan. We anticipate being able to provide you with an update in March of 2021, should it appear that changing providers for the Disability Benefits Plan is the best course of action.

We want to be clear that while we work through the review process, the premiums of the current plan provided by Sun Life will increase by a maximum of 25% as of January 1, 2021.

What is DBP?

The Disability Benefit Plan provides AAPS members with access to long-term disability benefits should you exhaust your sick leave for a specific illness or injury and are unable to return to work after six months. Sun Life administers the Disability Benefit Plan. All AAPS members who are under the age of 65 and working at least 17 hours a month are automatically registered in the plan.

It is important that AAPS members have access to a long-term disability plan as you never know when you might need it. DBP supports members with a monthly income who cannot return to work after six months of sick leave for both physical and mental health reasons. Having appropriate support when you are ill and unable to work is critical for recovery and quality of life.

How is the plan managed?

Unlike your other benefits at UBC, the DBP is an employee paid for and run program. The DBP Governance Committee oversees the plan, and AAPS holds the majority vote on that committee. The committee works with benefits consultants Hub International. Members of the DBP committee are appointed to their positions.

Should you have any questions about DBP or the tender process, please contact AAPS Executive Director, Joey Hansen, directly.