There is a one-time set-up fee of $250 regardless of the number of employees in the company. There are no other ongoing administration fees unless a claim is made. All claims are subject to a 10% (plus applicable taxes) administration fee, which is 100% deductible to your company.

1. Complete the online Application Form
2. Complete an enrolment form for each plan member
3. Send an e-transfer of $250 to info@winflex.ca
4. Electronically sign the Trust document (which will be emailed to the contact person on the application form).

The money that you put in is completely tax-deductible in the year of contribution. The funds themselves sit in our Trust account and are withdrawn tax-free to pay for healthcare expenses.

Any unused contribution carries forward and remains in the plan for future use.

Contribution levels can be based upon employee classes. If the employer can clearly define classes for employees, different amounts can be offered. However, if you have two employees in the same position, they must be given the same amount.

An eligible dependent is defined as a spouse or any member of the household with whom you are connected by blood relationship, marriage or adoption, and who is financially dependent upon you at some point in the year.

Contributions remaining in the trust can only be released for eligible medical expenses. If there are dependents listed on the plan they still have access to the remaining funds. However, if there are no listed dependents, the funds stay in the HSA.

While WinFlex is a great way to deduct predictable health-related expenses, WinFlex Plus rounds out your coverage by protecting you and your family against unforeseen health expenses that could prove to be financially crippling. For less than 30 cents a day, you can receive over a $1 million of coverage – and peace of mind.

Winflex Health Solutions Inc. is a specialist in Health and Welfare Trusts (HWT) and Private Health Services Plan (PHSP), and acts as a third party administrator of these plans. Winflex Health Solutions Inc. is based in Vancouver.

Claims can be paid in one of two ways. The healthcare practitioner – for example a dentist – can bill Winflex Health Solutions Inc. directly. The second method – particularly for smaller expenses – is to pay for the expense and submit it to Winflex Health Solutions Inc. for reimbursement. You will be reimbursed electronically directly into your bank account.

You can login to your account at any point to see your account balance and all of the claims you have submitted.

Yes in most cases, as long as these expenses have not been claimed elsewhere. For specific questions, please call toll free 1-888-978-3458.

Yes. We will need a copy of the premium billing statement from the insurance carrier. This can be submitted like any other medical receipt with a completed online claim form.

There is information on the Canada Revenue Agency website on the guidelines for Health and Welfare Trusts and Private Health Services Plans. The CRA bulletins specific to the subject are as follows:

• IT-85R2 – Health and Welfare Trusts
• IT-339R2 – Private Health Services Plans
• S1-F1-C1: Medical Expense Tax Credit
• S1-F1-C2: Disability Tax Credit
• S1-F1-C3: Disability Support Deductions