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Celiac Medical Expenses for Tax Deductions

ENCOMPASS News Comments Off on Celiac Medical Expenses for Tax Deductions

For people living with Celiac Disease, you will be happy to know that the Canada Revenue Agency does allow a tax deduction for the purchase of gluten free products.

The Canada Revenue Agency has all the information needed on their website.

Here is a summary:

  • The incremental cost of Gluten-free (GF) products is an eligible medical expense.
  • Eligible products are generally marketed specifically to the gluten free diet
  • The gluten free tax deduction is only eligible with  a medical note with diagnosis of Celiac Disease.
  • A summary of each purchase of gluten free products must be kept
  • A receipt for each purchase must be kept as well.

Please note: You can claim the difference between regular food and celiac equivalent.

Click here to read more about the medical expense from the Canada Revenue Agency.

Click here to download a sample worksheet for the Celiac Expense.


Our own Greg Shorter is presenting at the CPHR Round Table in Vernon

ENCOMPASS News Comments Off on Our own Greg Shorter is presenting at the CPHR Round Table in Vernon

Details below . . .

Vernon Roundtable – Group Benefits: Attract & Retain Top Talent
Date: April 24, 2019
Event start time: 7:30 am Pacific Time
Location: Community Futures North Okanagan

Greg Shorter – Greg earned his B.B.A with a focus in Human Resources from the Okanagan College conferred by UBC. He joined ENCOMPASS with over 13 years of Human Resources experience which included benefits management and payroll. With these years of front line experience, he has gained a strong understanding of the importance of employee support and communication, as well as the ability to provide a high level of client service. Greg is actively working towards his GBA designation.
 Seats are limited. You are required to register online (first come, first served).   Location
Community Futures, Community Boardroom – 3rd Floor, 3105 – 33rd Street, Vernon, B.C.  (street parking)

Time
7:30am – 9:00am
Wednesday, April 24, 2019
Click on the link for more info:

https://eweb.cphrbc.ca/eweb/DynamicPage.aspx?webcode=EventInfo&RegPath=EventRegFees&REg_evt_key=40be17da-2ac1-4f5d-8117-b877d905012a&Evt_guest_limit=0&_zs=4u6JM1&_zl=3d0F1#sthash.ru9oHLIW.XTi3fHoX.dpbs


Happy Benefits Day!

ENCOMPASS News Comments Off on Happy Benefits Day!

National Employee Benefits Day is celebrated each year on April 2. The day recognizes trustees, administrators, benefits practitioners and professional advisors for their dedication to providing quality benefits and the important role they play in their colleagues’ well-being. IFEBP

ENCOMPASS Benefits & HR Solutions – Leading you well.

Celebrating our Industry as we. . .

Protect your People.  Benefit your Business.

Nine tips for using your plan correctly – courtesy of Industrial Alliance

1.       Carefully read your group insurance booklet or consult My Client Space to know the maximums that can be reimbursed for health or dental treatments, services or specific products.

2.       Advise your organization of your eligibility status for another medical or dental care coverage and use coordination of benefits for full reimbursement of eligible fees.

3.       Make sure the treatments you receive are necessary and are covered under the plan.

4.       Use the Provider searchfunctionality in My Client Space to find a health or dental care provider near you who meets the business practice standards recognized by iA Financial Group (Industrial Alliance Insurance and Financial Services Inc.). Furthermore, make sure the medical or dental care provider has the appropriate qualifications and meets the requirements of your plan (i.e.: member of a college/association recognized by iA Financial Group).

5.       Stay away from health or dental service providers assuring you that their services are covered under your plan without checking first and report providers that are trying to trick you into submitting false claims.

6.       Never give anyone (especially health or dental care providers) your policy and certificate numbers or any other information about your plan in exchange for money or other incentives. Report those who request that information.

7.       Never leave a blank claim form bearing only your signature with a health or dental care provider. They could easily commit fraud in your name.

8.       Never submit a claim before you have received the treatment, service or product. You always need a clear invoice as proof of services rendered.

9.       Review your Explanation of Benefits statements or your claims history profile regularly in My Client Space to ensure that the expenses were incurred by you and/or your dependents.


NEWSFLASH! While your benefit plans and employees cost share biologic drugs, prison inmates get them for free! Wow.

ENCOMPASS News Comments Off on NEWSFLASH! While your benefit plans and employees cost share biologic drugs, prison inmates get them for free! Wow.

According to CTV News, the Correctional Service of Canada has spent more than $2.1 million (Jan 2015-Aug 2018) to provide inmates with biologic drugs that some Canadians struggle to afford. Drugs such as Remicade, Humira and Embrel have revolutionized treatment for people with serious autoimmune disorders, including arthritis and psoriasis and disabling inflammatory bowel diseases Crohn’s and ulcerative colitis. Offenders in federal prisons – those serving sentences of two years or longer – are provided biologic drugs at no charge. The Correctional Services of Canada says it is mandated under the Corrections and Conditional Release Act to provide every inmate with essential health care, including medication. While prisoners can get free drugs, some patients must fight with provincial health administrators for full coverage or partially fund their own medication.

https://www.ctvnews.ca/canada/while-some-patients-pay-for-biologic-drugs-prison-inmates-get-them-for-free-1.4314381

So, what next? Feedback to the provincial and federal governments? Ensure these medications are fully covered by the province? By the benefits plans? No easy solution, but this does seem odd, that the federal government supports criminals with unlimited resources. They are human beings too, but is this the best use of your taxes and my taxes?

Feel free to send your comments to service@encompassbenefits.com and we will get some additional opinions / solutions to bring forward.


2018 Scholarship & Honorary Educational Gift Recipients

ENCOMPASS News, Scholarship Program Comments Off on 2018 Scholarship & Honorary Educational Gift Recipients

We would like to congratulate all of our Scholarship and Honorary Educational Gift recipients – we are proud to contribute to your success!  We had many qualified candidates to choose from and wish the best to all who applied.

There were five Scholarships and ten Honorary Education Gifts awarded as we continued in our sixth year of our Scholarship Program. 


ENCOMPASS Benefits & HR Solutions Inc. wishes to congratulate …

Julia Derksen – daughter of a Columbia Bible College employee.

Victor Penner – son of a Heritage Christian Online School employee.

Hailey Freathy – daughter of a Carson Air Ltd. employee.

Carly Poplichak – daughter of a Vantage One Financial Corp.  employee.

Anica Warkentine – daughter of a Canadian Conference of Mennonite Brethren Churches employee.

Chantel Rempel – daughter of an MB Mission employee.

Clare Schmidt – daughter of a Hytec (Kohler) employee.

Braydon White – son of an Anodyne Electronics employee.

Sam Bell – son of a Kelowna Christian Center Society employee.

Jenna Peters – daughter of a MB Mission employee.

Anna Wright – daughter of a Bitfury employee.

Ashley Holyk – 100 Mile Library, Cariboo Regional District employee.

Julia Poplawski – Heritage Christian School, Kelowna, BC

Alliah Carpio & Rylan Cameron, Immaculata Secondary School, Kelowna, BC


Some are administered directly by the school themselves, ENCOMPASS directed and others by COBSS (Central Okanagan Bursary and Scholarship Society.  This non-profit society acts as an administrator for many schools in the Okanagan, receiving applications from students and matching them to scholarships and awards they are eligible for).

Congratulations to all!

For the next group of graduates – look for our 2019 Scholarship applications in the fall of 2018!


Best Doctors

Extended Health, Health & Wellness, Support & Service Comments Off on Best Doctors

Adding coverage for members’ parents!

Wow! Pretty cool that BD are extending this to some of the folks that really need this the most! Truly very interested in seeing utilization levels in 2-3 years from now!

Way to go Best Dr’s!!

Check out the link below from Great-West Life to read more!

The ENCOMPASS team

http://ucm.greatwestlife.com/web5/groups/common/@public/documents/web_content/s7_036455.pdf


Free Meds for Low-income

ENCOMPASS News Comments Off on Free Meds for Low-income

Health Minister Adrian Dix says B.C. has taken a “long overdue step forward” to help lower-income households handle the cost of prescription drugs. Dix says deductibles and other payments have been eliminated for 240,000 families, meaning they no longer have to choose between paying for their medical needs or affording basics, such as food or shelter. The Health Ministry says a three-year, $105-million program that took effect Jan. 1 ensures a family with a net annual income of $30,000 or less no longer pay a deductible for prescription drugs. Before, families with net earnings between $15,000 and $30,000 paid $300 to $600 in deductibles before receiving drug coverage assistance.

Read the full article here:

https://www.castanet.net/news/BC/245981/Free-meds-for-low-income


2019 CPP & EI annual maximums

ENCOMPASS News, Government Announcements, Taxation Comments Off on 2019 CPP & EI annual maximums
2016201720182019
Employment Insurance537.56542.59546.82561.63
Maximum weekly benefit955.04836.19858.22860.22
Maximum annual employee contribution1,337.061,169.641,201.511,204.31
Maximum insurable earnings50,80051,30051,70053,100
Canada Pension Plan
Maximum employee contribution to plan2,544.302,654.102,593.802,748.90
Maximum annual contributory earnings54,90055,30055,90057,400
Registered Retirement Savings Plan*
Contribution limit25,37026,01026,23026,500
E&OE
*Contributions towards 2018 can be made until March 1, 2019
For more information, contact our office or visit www.cra-arc.ca

   


Employer Health Tax Update

ENCOMPASS News, Government Announcements, Taxation Comments Off on Employer Health Tax Update

As part of the 2018 provincial budget released in February, 2018, the BC government introduced a new Employer Health Tax (EHT) which will become effective January 1, 2019 for employers with payroll costs in excess of $500,000 and non-profits with B.C. payroll over $1,500,000.

Use the employer health tax calculator to help you estimate the tax.

Registration for filing and paying EHT will begin in January 2019 and employers with B.C. payroll over $600,000 and non-profits with B.C. payroll over $1,600,000 at one location will be required to make quarterly instalment payments, based on the amount of tax that would have been payable if the EHT were in force January 1, 2018.

You must register by May 15, 2019 and instalments are due June 15, September 15, December 15.  If your payroll doesn’t qualify for instalment payments, you must register by December 31, 2019.

The first EHT return is due on March 31, 2020 and must be filed electronically through eTaxBC.

Payroll is defined as employment income and taxable benefits under the Income Tax Act. EHT is payable on this List of eligible remuneration.  Employer-paid contributions or premiums not subject to the EHT can be found on this List.

Employer Health Tax Overview gives all the information from the BC Government.

Below is a sample EHT calculation sheet showing how the EHT is applied.

EXAMPLE 2019 Remuneration and MSP Annual

If you have any further questions, please contact your ENCOMPASS Advisor.

 

 

 

 


Big White Ski Pass Contest 2018/19

Contest, ENCOMPASS News, Events, Health & Wellness Comments Off on Big White Ski Pass Contest 2018/19

Welcome to the ENCOMPASS Benefits Youth Ski Pass Contest!

ENCOMPASS Benefits & HR Solutions is a well-established Benefits and HR Consulting firm that serves clients across Canada. As a team we provide strategic counsel to our clients in the areas of Group Benefits, Pension, Human Resources and Health & Wellness initiatives. This year, one special way that we want to give back to our great community is to offer, with our long term client Big White Ski Resort, an amazing gift for one incredible youth. This package includes:

  • A 2018/2019 Season Youth Ski Pass at Big White

  • Ski/Snowboard Equipment and a Group Lesson

  • Bus Pass (if needed)

 

Contest runs from November 1, 2018 to December 9th, 2018 at midnight. The winner will be announced and contacted in mid-December. Below are the criteria for Nominations:

Youth must:

  • be between the ages of 13-17,
  • have experience skiing 3 or more times,
  • have good character,
  • have a financial need,
  • have community commitment,
  • be nominated – nominator must complete the *Nomination Form and submit it by email to bigwhitecontest@encompassbenefits.com by December 9th,  2018.

 

Please see Nomination Form online at: http://www.encompassbenefits.com/news/big-white-ski-pass-contest-2018/

For qualifying nominations, ENCOMPASS and Big White Ski Resort staff will receive and review your application and will announce the winner in mid-December.

We are excited to offer this amazing contest in partnership with Big White Ski Resort!

We are looking forward to hearing from you.  Good Luck!

The ENCOMPASS Benefits Team!

Last years winner!