US Benefits
Welcome to the 2027 US Benefits Program website.
Benefits Program Overview
![]()
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).
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)
- PPO – Summary of Benefit Coverage (SBC) (English)
- HMO – Summary of Benefit Coverage (SBC) (English)
Dental
- What is a PPO dental plan? (Coming soon)
- What is a DHMO dental plan? (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.



