The Voice of Multi-Employer Plan Interests in Canada


MEPs are typically established through collective agreements negotiated by one or more unions, and are funded through employer contributions based on hours worked. Employers are allowed to deduct their MEP contributions from their taxable income and employees are generally not subject to tax on either the amounts of these contributions or the benefits they receive.

MEPs are "Trust Funds" and are generally administered by a joint board of trustees, comprised of an equal number of trustees appointed by the union(s) and the employers. The trustees often rely on the help of professionals such as lawyers, actuaries, and benefit administrators to establish and maintain these plans. This eliminates the need for participating employers to maintain their own plan administration work force.

Trustees are responsible for receiving contributions from employers, collecting late contributions from delinquent employers, paying certain benefits directly to members and their dependants, and entering into insurance contracts for the provision of other benefits. MEPs can use the pool of collectively bargained contributions and the pool of covered workers and their families to negotiate better terms with insurers and others than the individual employer could.

Joining MEBCO

Five reasons why your MEBCO membership is critical
Your MEBCO membership guarantees that multi-employer plan interests will be considered whenever change is on the horizon. With your support, MEBCO will continue to be a strong and effective voice. Join today!
  1. The threat to multi-employer plans is real.
    The legislative framework is constantly changing, and cost-management and cost reduction are at the top of every agenda.
  2. Legislative changes can be significant.
    Recent proposed changes have threatened to offload costs onto plans, restrict plan coverage, and have compromised the viability of some plans
  3. Multi-employer plans are worth protecting.
    Multi-employer plans play a vital role in providing health services and retirement plans to over 1 million workers and their families in industries typified by small companies and a mobile work force.
  4. Multi-employer plans need a united lobby.
    Multi-employer plans carry a low profile due to the fact that the coverage is thinly spread over many employer groups and mobile workers.
  5. MEBCO is committed to protecting your interests.
    When governments propose changes, MEBCO is the single, clear voice at the table representing the unique interests of multi-employer plans.