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Employer Health Tax Update

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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

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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 by December 9th,  2018.


Please see Nomination Form online at:

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!


PIPEDA Privacy Breaches: Reporting, Notification & Record-keeping

ENCOMPASS News Comments Off on PIPEDA Privacy Breaches: Reporting, Notification & Record-keeping

Effective November 1, 2018, organizations subject to the Personal Information Protection and Electronic Documents Act (PIPEDA) will have new responsibilities in the event of a privacy breach. READ MORE >

Courtesy of Advocis

CPP Enhancements

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Canada Pension Plan enhancement

As you may know, changes to the Canada Pension Plan (CPP) will be implemented starting in 2019. The changes will affect everyone who works in 2019 and contributes to the CPP.

Here are some of the key highlights:

  • The changes aim to strengthen the CPP for future generations and provide better retirement security for all Canadians.

  • CPP contributions will increase so that contributors receive higher benefits.

  • The enhancement will be phased in gradually over a seven-year time frame.

  • The income replacement rate will increase from 25% to 33.33% of the Year’s Maximum Pensionable Earnings (YMPE). The YMPE will also gradually increase by 14% by 2025.

  • Currently, employees contribute 4.95% on these earnings to the CPP. From 2019 to 2023, the contribution rate for employees will gradually increase to reach 5.95% in 2023.

  • Those who earn more will contribute more towards future CPP benefits.

  • People who work in Québec and contribute to the Québec Pension Plan (QPP) won’t be affected by the CPP changes but will benefit from QPP enhancements that are also being implemented.


For more information

Employers can learn more about CPP enhancement contributions at the Canada Revenue Agency website.  For full archived information go to Department of Finance

Great-West Life

Hope for the Nations – The Chasing Justice Event

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Are you ready to be inspired?  There are still tickets available!

Hope for the Nations, and Encompass Benefits & HR Solutions Inc., are proud to present The Chasing Justice event. It is an engaging and informative call to action, to raise awareness of social injustice on an international scale. Featuring panel discussions and presentations from three amazing organizations about the work they’re doing and how they’re fighting injustice around the world:

Justice Rising – Transforming War Zones Through Education

Love Justice International – Loving People and Fighting for Justice

International Justice Mission – Ending Slavery in Our Lifetime

By listening to the stories these organizations share, we can take the first important steps toward taking action and encouraging others to join the global community in fighting injustice. If you’ve ever felt inspired to make a difference, to get involved in social injustice on a global scale, this event will be sure to educate and present the opportunity to contribute to growing initiatives around the world.

We invite you to join us from 6pm-7pm for a social mixer featuring passed appetizers and market table offerings from Start Fresh Kitchen. A cash bar will also be available featuring beer and wine options.

WHEN: Thursday November 29th

WHERE: The Innovation Centre Atrium and Theatre (460 Doyle Avenue)


6.00 p.m.  Reception with Appetizers (from Start Fresh Kitchen) & Cash Bar

7.00 p.m.  Presentations

8.30 p.m.  Panel Discussion – Question & Answer Session

Purchase your tickets here:


Breakfast Education Session – Fall 2018

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With 4 Key Topics – Handouts & Guaranteed Takeaways . . .

Join us for a timely discussion on the new Cannabis legislation, identifying Fraud, Virtual On-line Doctors and Retirement Options.

With our Keynote Speakers:

Norma Crouse – Assistant Vice President, Claims & Administration
Equitable Life of Canada

The changing face of Fraud.
With over 20 years of financial experience with 3 of the top Financial Service providers in the country – including 11 years with Equitable Life.  Norma brings with her valuable knowledge and expertise on the identification and investigation of fraud in our industry.

Kimberley Darling – Kent Employment Law

During her nearly 20 years of litigation experience, Kim has seen it all, from builder’s liens, to drug prosecutions, negligent building inspections and, of course, employment matters.

New Legislation  · Impact on workplace · Workplace Impairment Policies
Duty to accommodate  · Rights and responsibilities as an employer

Where:  Prestige Hotel  1675 Abbott St, Kelowna, BC V1Y 8S3

When:  Wednesday, October 24, 2018

Time: 7:30 AM: Breakfast
8:00 AM sharp – 11:00 AM: Seminar

(Parking will be free)

Reservations Required – Limited Seating – please RSVP by 19 October 2018
Please RSVP to:

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Employer Health Tax (EHT)

ENCOMPASS News, Government Announcements, Human Resources Comments Off on Employer Health Tax (EHT)

The government of BC will be implementing the new Employer Health Tax (EHT) effective January 1, 2019.  The Medical Services Plan premiums (MSPP) were reduced by 50% on Jan 1, 2018 and will be eliminated on January 1, 2020.

Individual taxpayers pay MSP premiums while the proposed EHT will be paid through an employers annual payroll tax.   Tax rates will be based on employment income and taxable benefits. The chart below shows the proposed tax rates for defined payroll ranges.

Annual BC Payroll Annual Tax Tax as a percent of Payroll
$500,000 or less 0 0.00%
$750,000 $7,313 0.98%
$1,000,000 $14,625 1.46%
$1,250,000 $21,938 1.76%
$1,500,000 $29,950 1.95%
$29,250 plus 1.95% of payroll
over $1,500,000 over $1.5 million 1.95%


Legislation is to be enacted in the fall of 2018 when complete details will be available.

For full information and calculation structure see the Government Notice here Ministry of Finance Employer Health Tax Notice

Beginning July 3, 2018 – expanded coverage of insulin pumps in BC

ENCOMPASS News Comments Off on Beginning July 3, 2018 – expanded coverage of insulin pumps in BC

How to obtain coverage for insulin pumps in BC  . . .

  • The person speaks to their endocrinologist or diabetes specialist about whether an insulin pump is appropriate.
  • If the person meets the eligibility criteria, the physician will complete and submit a Special Authority request to PharmaCare.
  • PharmaCare Special Authority will review the request.
  • If approved, Special Authority will send an approval letter (including instructions on how to obtain the approved pump model) to the requesting physician.
  • The physician will provide a copy of this letter to the person.
  • The person will follow the instructions provided to order their pump, and provide a copy of the approval letter to the insulin pump vendor.
  • If approved, insulin pump coverage is provided for the device itself. Insulins are covered separately.
  • PharmaCare covers the rapid-acting insulins used in insulin pumps, up to a maximum allowable cost.

Similar to drugs covered by PharmaCare, the government will pay first and then if there are any costs associated with the purchase then the Group Benefits plan (depending on your provider and coverage) may cover the rest.

This is the link where you can find more information about this program:

If you have any questions regarding this or any other concern, please contact your advisor.

Update to our Scholarship Program

ENCOMPASS News Comments Off on Update to our Scholarship Program

Just a brief update to let you know that we are still in process of selecting our award recipient.  As we extended the deadline to accept applications – we need a little more time to process.

As soon as we have made our selection we will announce it here.

Thank you for your patience and enjoy the weekend!

June – National Awareness Month

ENCOMPASS News Comments Off on June – National Awareness Month

The month of June includes the following notable days . . . while some on the list state specific days – the message is for year round awareness regarding health, safety & the environment…