Doctors of BC HBTF - Dependent Declaration for Cost-Plus

Health Benefits Trust Fund - Benefits Plan

Annual Dependent Declaration for Cost-Plus Entitlement
Effective date of change: January 1, 2026
Deadline to declare: January 5, 2026

1. HBTF Plan Sponsor
Name of Physician or Professional Corporation*
Doctors of BC ID#
Typically 4-7 digits
Contact Email*

Confirmation Emailexample@example.com
Type of Request*

I am adding Cost-Plus for the first time (new request)I have existing Cost-Plus and am amending or confirming the number of dependents in my familyI have existing Cost-Plus and would like to terminate the arrangement.
When adding cost-plus, you must provide a personal bank account that will receive any cost plus claim reimbursements.

The Cost Plus claims are funded by the business account on file that pays for the monthly HBTF insurance premiums. You submit cost plus claims via the Doctors of BC website (after you've submitted to Canada Life for insurance reimbursement).

When you submit a cost plus claim, Doctors of BC takes the amount of the claim + 7% administration fee and deducts that from your business bank account. Then deposits the amount of the claim to your personal bank account. It is the member's responsibility to ensure that claims submitted for Cost Plus reimbursement are valid medical expenses, as under the the Canada Revenue Agency's guidelines. The guideline publication can be viewed on CRA's website.
Upload personal void cheque*

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2. Dependent Declaration for Cost-Plus

The HBTF is an Employee Health and Life Trust and there is a defined formula for calculating the maximum allowable Cost-Plus Entitlement limit. That formula is:

$2,500/year for the physician
+

$2,500/year for the spouse or common-law partner of the physician
+

$2,500/year for each other person who is related to the physician and is either a member of the physician’s household or is dependent on the physician for support.
-

the premiums paid for insurance plans provided under the HBTF.
Based on the description above, please declare the number of people in your family (including yourself as the physician)*
Doctors of BC will calculate your Cost-Plus Entitlement Limit based on the number of people in your family declared above and assign the maximum cost plus limit available to you. This change goes into effect January 1, 2026. Your cost plus limit does not change the insurance plan design with Canada Life (i.e. annual dental limits etc).
4. Signature of Physician or Authorized Signature of the Professional Corporation
I understand that upon acceptance of this amendment by the Trustees, it shall become binding in accordance with the terms and conditions of the Member Agreement with the Trustees and binds me and my personal representatives, estate and successors.*

Clear
Name of Signatory*

First NameLast Name
Date*

YearMonthDay
Date
Should be Empty:

Health Benefits Trust Fund - Benefits Plan

1. HBTF Plan Sponsor

2. Dependent Declaration for Cost-Plus

4. Signature of Physician or Authorized Signature of the Professional Corporation