US Benefits
Welcome to the 2027 US Benefits Program website.
Here you’ll find:
- An overview of the 2027 US Benefits Program
- Important updates
- Open Enrollment information
- Links to company-specific benefits pages
- Support resources to help you through your enrollment journey
- Access to the bswift Benefits Enrollment Platform
- Instructions for finding an in-network medical provider through RGA
Benefits Program Overview
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Active Enrollment Required
Open enrollment for the 2027 plan year will be an active enrollment year, meaning all eligible employees will be required to make new benefit elections. As the new benefits program replaces existing plans, your current benefit elections will not automatically carry forward into 2027. To ensure you have coverage that best meets your needs for 2027, please complete your enrollment during the Open Enrollment period (November 2nd – 13th, 2026).
Open Enrollment Presentations
Review the presentations below for an overview of your 2027 benefits program, including available coverage options and key changes.
Important Dates
November 2, 2026
Open Enrollment Begins
Review your benefit options and make your elections.
November 13, 2026
Open Enrollment Ends
Complete your benefit elections by this date.
January 1, 2027
Benefits Effective
Your 2027 benefits become effective.
Choose Your Company
Select your company to view your benefits information, plan details, costs, coverage levels, FAQs and resources specific to your organization.
Enrollment Checklist
bswift
Access the bswift portal to review your benefit options and complete your 2027 enrollment.
Please note:
- 2027 benefit options will become visible in bswift when Open Enrollment begins on November 2, 2026.
Stay Informed
Resources
Medical
- What is a High-Deductible Health Plan (HDHP)? (English | Spanish)
- What is a PPO plan? (English | Spanish)
- What is a HMO plan? (English | Spanish)
- HDHP 4K – Summary of Benefit Coverage (SBC) (English)
- HDHP 2K – Summary of Benefit Coverage (SBC) (English)
- HDHP 4K – Summary Plan Description (SPD) (English)
- HDHP 2k – Summary Plan Description (SPD) (English)
- PPO – Summary Plan Description (SPD) (English)
- PPO – Summary of Benefit Coverage (SBC) (English)
- HMO – Summary of Benefit Coverage (SBC) (English)
Basic Life, AD&D, STD, LTD
- What is AD&D insurance? (English: salaried / hourly | Spanish: salaried / hourly)
- What is Voluntary Life and Accidental Death and Dismemberment? (English |Â Spanish)
- What is Short-Term Disability Insurance? (English | Spanish)
- What is Long-Term Disability Insurance? (English: salaried / hourly | Spanish : salaried / hourly)
Voluntary Insurance
- What is Accident Insurance? (English | Spanish)
- What is Critical Illness Insurance? (English | Spanish)
- What is Hospital Indemnity Insurance? (English | Spanish)
- What is Commuter benefit? (English | Spanish)
- Pet Insurance – Fetch Perks (English)
- What is Legal Coverage? (English | Spanish)
- What is Identity Theft? (English)
Need Help?
If you have questions or require assistance, please contact the Graham Benefits team at ushrbenefits@graham.ca or call 1 – 403-570-5299.



