Flexible Benefits Built for Construction Work.

The Hour Bank Plan gives workers and employers a simple, affordable way to maintain health and dental coverage — even with seasonal or project-based schedules.

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What is an Hour Bank plan? 

The Hour Bank Benefit Plan is designed for the realities of construction work. Instead of a traditional monthly premium structure, employees "bank" hours worked into their account. These hours are used to maintain active health, dental, disability, and other benefits — keeping workers covered even when the pace of work changes.

It’s stability for workers. It’s simplicity for employers.

HOW THE HOUR BANK WORKS
Work Hours
Employees Work Hours

Every hour an employee works is reported by their employer. Each hour contributes to their Hour Bank balance.

Hour to Coverage

Hours Convert to Benefits Coverage

A set number of hours per month is required to maintain active coverage. When that threshold is met, the employee remains fully insured.

Extra Hours Banked

Extra Hours Are Banked

Any surplus hours accumulate in the employee’s Hour Bank, creating a safety buffer for slower months, weather delays, layoffs, holidays, or job transitions.
Coverage Follows
Coverage Follows The Worker

As long as the employee has enough hours banked, their benefits remain active — even if work pauses.

Ready to Build a Better Benefits Plan?

Whether you're an employer looking for a flexible solution or a worker wanting stable, reliable coverage, the Hour Bank Plan delivers value that fits the construction lifestyle.

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For Workers
  • Coverage continues through layoffs, breaks, weather delays, and job changes
  • Hours from multiple employers can be combined (if applicable)
  • Access to health, dental, disability, life insurance, and more
  • A simple online portal to check hours and coverage
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For Employers
  • Predictable costs tied directly to hours worked
  • No administrative burden — ICBA manages reporting and eligibility
  • Ensures your workforce has consistent, reliable benefits
  • Helps recruit and retain skilled labour
TRUSTED BY COMPANIES ACROSS B.C. 
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Easy HR and Payroll Systems

Our Bridge platform connects directly with your HR and payroll systems — simplifying enrolment, reporting, and renewals.

No tech jargon. No headaches. Just a smarter way to manage benefits.If there’s a smarter, more cost-effective way to protect your team, we’ll show it to you.

Frequently Asked Questions

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