General Information

The Joint Community Benefits Trust (JCBT) is an Employee Life & Health Trust (ELHT) that was established April 1, 2017 to provide employee benefits to members of the Community Bargaining Association of BC and their dependents. The JCBT is established based on a Trust Agreement.  The JCBT is governed by a Board of Trustees with equal representation by unions and employers participating in the JCBT.  The Trustees have a fiduciary responsibility to act for the benefit of the JCBT and its beneficiaries. The Trustees administer the JCBT Plan which provides the benefits listed below.  The Trust receives negotiated funding from employers and some contributions from the plan members, which it holds in the Trust fund for the purpose of providing group health benefits to eligible employees and their eligible dependents.

The Trustees work to ensure that the Plan is administered fairly, equitably, effectively and in a cost-efficient manner.

The JCBT Plan replaced the Healthcare Benefit Trust (HBT) Plan effective April 1, 2017.  Employees who submitted a Long Term Disability claim for a disability that occurred prior to that date will remain with HBT.  Employees who are disabled on or after that date are covered by the JCBT Plan.

HBT acts as the third party administrator on behalf of the JCBT, providing services to the Trust and acting under the direction of the Trustees to carry out the tasks of administering the benefit plan and liaising with the claims paying agents on behalf of the Board, as well as other responsibilities, including financial accounting and liaison with the auditors.