Health care benefits after you retire
When you retire directly from active employment to a pension, you may be eligible for Medical Services Plan and retiree extended health care coverage.
When you retire, your health care coverage as a WorkSafeBC employee will end. However, as a retired employee of WorkSafeBC, you are still covered for some health care costs, which provides health care benefits to employees who retire directly from active employment to a pension.
If you meet the eligibility requirements at retirement, WorkSafeBC pays the full coverage cost of your:
- BC Medical Services Plan (MSP)
- Pacific Blue Cross extended health care
You can also apply for optional dental coverage; however, you are responsible for paying the monthly premiums.
You can apply for these health care benefits when you apply for your pension.
Retiree health benefits are contingent; that is, they are not guaranteed and coverage may be changed.
You are eligible for extended health care and MSP benefits immediately after you retire if you:
- Were covered by WorkSafeBC’s group benefit plans as an active plan member before you began receiving your WorkSafeBC pension
- Retired directly from active employment (including long-term disability) to a pension
- Meet MSP's eligibililty criteria
- Have medical coverage under the government plan in your province of residence
If you deferred your pension, you are not eligible for MSP coverage or extended health care benefits. However, you can apply for dental coverage.
Dependants and your health benefits
Coverage for your dependant is the same whether you are retired or an active employee. However, after you retire, you cannot add new dependants for benefit coverage.
Depending on the pension option you chose at retirement, your dependant may need to seek benefit coverage from another provider when you die.
The MSP premiums paid by WorkSafeBC on your behalf are a taxable benefit; the extended health care premiums are not.
How to enrol for retirement health benefits
Apply directly with WorkSafeBC when you apply for your pension.