What’s happening
The form to choose how you want contributions allocated is open again until end of day 2025-11-24. You can make a choice if you forgot the first time or change your choice if you’ve had a change of heart.
A new, more flexible, benefits plan
To help you get the most value from your Spending Account and take care of your health and wellness, the Mohawks of the Bay of Quinte Blendable benefits plan gives you choice.
Each month you will receive a $250.00 contribution to your Spending Accounts.
Your monthly contributions can be allocated in one of three ways. Each year in October, you'll make your choice from the list below. This can't be changed mid-year.
- 100% to an HSA Rollback Health Spending Account
- 50% to an HSA Rollback, 50% to a Wellness Spending Account
- 100% to a Wellness Spending Account
Selections are due by end of day 2025-11-24. If we didn't receive your selection, your benefits will proceed with the current allocation. You'll be able to make another change close to the next Plan benefit renewal: 2026-04-01 and that change will affect future funds only.
Your spending account options
HSA Rollback
Funds in the HSA Rollback can be used to reimburse eligible healthcare expenses for you and your dependants.
These funds are a non-taxable benefit for everyone.
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 Rollback funds reset. As your Plan Sponsor contributes to your HSA, these funds accumulate. Unused funds expire after two years (see an example below).
Wellness Spending Account
The Wellness Spending Account option allows the funds contributed to be used to reimburse expenses that contribute to the health and wellbeing of you or your dependants. Things like fees for sports, fitness equipment, alternative wellness services, or supplements and vitamins. You can also use funds in the Wellness Spending Account to reimburse CRA eligible medical expenses, just like the Health Spending Account.
For non-status First Nations or Inuit employees these funds are a taxable benefit, just like your paycheque. For status First Nations employees these funds are non-taxable.
To be eligible, the expense must be for you or an eligible dependant, incurred during your plan’s Benefit Period, and part of the list below.
As long as an expense is eligible and you have funds available, there are no other plan limits on how you spend these funds – it’s your choice!
Your Wellness funds reset. As your Plan Sponsor contributes monthly funds to your Wellness Spending Account, these funds will accumulate. Unused funds expire after two years (see an example below).
Eligible Wellness expenses
Health Support
Anything that is a CRA eligible medical expense (i.e. eligible for reimbursement through an HSA) as well as:
- Alternative wellness services (eg. reiki, rolfing, touch therapy and light therapy)
- Parental supports (e.g. maternity/paternity services, pre-natal classes)
- Counselling, coaching, and programs (e.g. health coaching, nutrition counselling, tobacco cessation programs, stress management programs, or weight loss programs)
- Vaccinations
- Over the counter medication (licensed for sale as medication)
- Natural health products (licensed for sale as supplements, vitamins, and minerals)
- Sport, fitness, and recreation participation fees, memberships, or passes
- Sport, fitness, and recreation equipment or trackers
- Includes clothing and footwear
- Includes both purchased and rented equipment
Professional Development
- Courses, conferences, and seminars
- Required software and books
- Transportation, parking, accommodation, and meals
- Certifications for first aid or coaching
- Liability insurance
- Professional membership fees
Computer Products and Mobile Digital Services
- Computers and peripherals (hardware)
- Computer equipment repair
- Internet connection devices and internet services
- Software
- Cell phones and accessories
- Service and usage fees
- Excludes gaming equipment and games
Family Care
- Caregiver support programs
- Elder care and counselling
- Home care
- Long-term care facilities
- Child day camps and day programs
- Child daycare
Personal Interest
- Any classes or courses for personal interests such as art, photography, driving, etc.
- Includes required textbooks and supplies
Pet Care
- Any items related to pet wellness including vet visits, medication and veterinary food
Insurance Premiums
- Critical Illness insurance
- Individual Life insurance
- Long-Term/Short-Term Disability
Financial Advice
- Financial advisor fees
- Tax preparation
What’s not covered
Anything that doesn’t fit into the listing above is not eligible for reimbursement.
How funds reset
Unused funds in each Spending Account are treated the same - they reset on a rolling basis after two years:
- After Year 1 - Unused funds remain in the account. They can be used to reimburse future expenses
- After Year 2 - Unused funds contributed in Year 1 are reset. Unused funds from Year 2 remain in the account and can be used to reimburse future expenses.
- After Year 3 - Unused funds contributed in Year 2 are reset. Unused funds from Year 3 remain in the account and can be used to reimburse future expenses.
Make your selection
Selections are due by end of day 2025-11-24. If we didn't receive your selection, your benefits will proceed with the current allocation. You'll be able to make another change close to the next Plan benefit renewal: 2026-04-01 and that change will affect future funds only.
FAQ
How does my choice impact my eligibility for the Canadian Dental Care Plan (CDCP)?
Both your Health Spending Account and Wellness Spending Account would reimburse dental services, and they are considered "private dental insurance" by the Canada Revenue Agency (CRA) for the purposes of the CDCP. This has an impact on your CDCP eligibility. To learn more, check out this article.
What if I am submitting expenses to my Wellness Spending Account for my dependant and one of us is a status member while the other is not. Are these reimbursements considered taxable income?
The funds are being contributed to the Wellness Spending Account for you as the Plan Member. Whether they are taxed or not depends on whether you are status or not. Your dependant's status does not matter.
If you, as the Plan Member, are status, any reimbursements you receive will be non-taxable.
If you, as the Plan Member, are non-status, any reimbursements from your Wellness Spending Account will be considered a taxable benefit.
