Current News

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!


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:

2019 CPP & EI annual maximums

ENCOMPASS News, Government Announcements, Taxation Comments Off on 2019 CPP & EI annual maximums
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
*Contributions towards 2018 can be made until March 1, 2019
For more information, contact our office or visit


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 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

ENCOMPASS News, Government Announcements Comments Off on CPP Enhancements

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

ENCOMPASS News, Events, Hope for the Nations Comments Off on Hope for the Nations – The Chasing Justice Event

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

ENCOMPASS News, Events, Human Resources Comments Off on Breakfast Education Session – Fall 2018

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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