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About Claims Administration

One of HBT’s core responsibilities is to ensure employees who file a claim receive Health Benefits in a reliable and timely manner. For neutrality and optimal efficiency HBT outsources the claims adjudication process to reliable third parties: Canada Life for Long Term Disability (LTD) Benefits and Pacific Blue Cross (PBC) for Extended Health and Dental Benefits.

HBT in turn administers all services provided by Canada Life and PBC to ensure consistent, best-in-class service delivery at the lowest reasonable cost.

HBT pays for all Benefit services provided by Canada Life and PBC using funds held in the Trust. These funds are provided through a combination of employer/employee contributions and investment income. HBT holds a reserve fund in the Trust to cover all claims liability.