It's that time again - you get to choose how the monthly contributions to your Spending Accounts are allocated beginning 2026-01-01. You can choose either:

• 100% to your HSA Classic Health Spending Account
• 50% to your HSA Classic, 50% to a Wellness Rollback
• 100% to a Wellness Rollback

Please make your selection by 2025-12-05. If we don't receive a selection by then there will be no change. Your benefits will continue with your current allocation.

Read on to learn more.

Your spending account options

HSA Classic

Funds in the HSA Classic can be used to reimburse eligible healthcare expenses for you and your dependants.

An eligible healthcare expense may be reimbursable, tax-free, if:
• It is a Canada Revenue Agency (CRA) eligible medical expense,
• Services were provided by authorized practitioners, and
• You incurred the expense during your plan’s Benefit Period.

A dependant is anyone who is financially dependent on you and is related by blood, marriage, or law. Learn more about who qualifies as a dependant.

As long as an expense is eligible and you have funds available, there are no other plan limits on how you spend these funds – dental visits, massages, prescriptions – it’s your choice!

Your HSA Classic funds carry forward. As your Plan Sponsor contributes to your HSA, these funds accumulate. Unused funds don’t expire or get returned to your Plan Sponsor. They carry forward and can be used to reimburse eligible expenses in the future.

Wellness Rollback

Your Wellness Rollback provides funds to be used to reimburse expenses that contribute to the health and wellbeing of you or your dependants. Things like fitness equipment, alternative wellness services, or supplements and vitamins – it’s your choice!

Added benefits include:
💪 Fitness & Recreation: Gym memberships, sports leagues, classes, and the gear you need to stay active indoors or outdoors
🧘 Mental & Emotional Wellbeing: Counselling, coaching, nutrition support, and stress management programs
✨ Alternative Therapies: Evidence-supported treatments like reiki, light therapy, and more to help recharge during darker months
🍼 Preventive Health: Vaccinations, prenatal classes, and maternity/paternity wellness services
🌿 Natural Health Products: Vitamins, supplements, and minerals to help maintain your energy and immunity all winter long

Only expenses that fall into the categories above are eligible for reimbursement. The trade-off is that reimbursed expenses are a taxable benefit. When it comes to tax time, any funds you used from your Wellness Rollback will show up on your T4 as taxable income.

To be eligible, the expense must be for you or an eligible dependant, incurred during your plan’s Benefit Period, and included in the categories above.

Your Wellness Rollback funds reset. As your Plan Sponsor contributes monthly funds to your Wellness Rollback, these funds will accumulate. At the end of each Benefit Period, unused funds are reset and credited to the Plan Sponsor. Learn more about how your Benefit Period affects your claims.

Making your selection

Selections are due by 2025-12-05. If we don't receive your selection, your benefits will continue as-is with no change to how the contributions are allocated.

Going forward, you'll have the chance to update your selection each year when your plan renews around January 1st.