What’s happening
Your Blendable Benefits renew 2026-04-01, so now’s the time to decide how you want contributions allocated between 2026-04-01 and 2027-03-31.
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 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 2026-03-23. 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: 2027-04-01 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
Health Support is a Wellness category that helps Members take care of their mental and physical health. This category is intended to be broad and include CRA eligible health and dental expenses (based on METC eligibility) along with wellness supports like alternative health therapies, preventative treatments and fitness and recreation activities.
If the expense is tied to maintaining, improving or supporting health and wellness (and isn’t work or income-related), it will generally fall under this category.
- 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, including:
- Gym or fitness club memberships
- Personal training or coaching
- Group exercise class fees
- Sport, fitness, and recreation equipment or trackers
- Includes clothing and footwear
- Includes both purchased and rented equipment
Professional Development
Professional Development is a Wellness category that helps Members with growing their skillset and staying current in their careers. These expenses are tied to maintaining professional credentials and registrations, building work-place skills and learning.
Things like courses, workshops and conferences, and costs associated with participating in these activities will be considered eligible. The key is that the activity helps a Member with developing or maintaining career related skills.
- Courses, classes, conferences, and seminar fees, including:
- Those for skill enhancement
- Certificate programs relevant to a career or industry
- Continuing education to maintain a license or certification
- Workshops and bootcamps to improve professional skills
- Industry events
- Professional association events
- Networking or skill-building seminars
- Required software and books
- Costs associated with attending any of the above, including:
- Transportation
- Parking
- Accommodation
- Meals
- Certifications for:
- First aid
- Coaching
- Liability insurance
- Professional membership fees and licenses related to career or industry-specific
- Fees
- Renewals
- Exam fees
Computer Products and Mobile Digital Services
Computer Products and Mobile Digital Services is a Wellness category that supports a Member with access to everyday technology.
This category includes personal devices, software, mobile and connectivity services like internet and mobile phones as well as accessories and repairs for devices. These expenses should be related to general productivity and not for work-related or entertainment reasons.
- Hardware and devices, including:
- Computers (desktop or laptop)
- Tablets and e-readers
- Smartphones
- Smartwatches or wearable technology
- Peripherals, including:
- Keyboards
- Mice
- Monitors
- Printers
- Storage
- Headphones, earbuds, microphones
- Protective cases
- Chargers, adaptors, cables
- Internet connection devices
- Software and Applications, whether purchased outright or through subscription, including software for:
- Productivity
- Creative pursuits
- Education
- Personal interest
- Mobile and Internet services
- Personal internet access
- Mobile service and usage fees
- Service and repair for any hardware and devices listed above
- Excludes costs associated with:
- Entertainment, including:
- Gaming equipment
- Games
- Streaming subscriptions
- Any activity that is undertaken for career development, business-related, or is income-generating
- Entertainment, including:
Family Care
Family Care is a Wellness benefit category that supports Members and their families with services that help manage caregiving responsibilities, enhance quality of life, and provide safe, structured care for dependants of all ages.
This category is broad and may include caregiver support, childcare, elder care, home care, and long-term care services that provide supervision, assistance, or emotional support in day-to-day life.
- Caregiver support, including:
- Care coordination or elder-care consulting services
- Parenting or caregiver coaching
- Caregiver support groups
- Elder care and counselling, including:
- In-home caregiving and personal support services
- Adult day programs or respite care
- Home care including:
- Home cleaning
- Housekeeping
- Maintenance
- Meal prep/delivery
- Safety improvements
- Excluding everyday household expenses (food, clothing, supplies)
- Long-term care facilities
- Child/Dependant care (care for children during the working day) including:
- Child care/daycare fees
- Before and after school care programs
- Day camps or holiday care programs
- Excludes overnight camps and boarding schools
Personal Interest
Personal Interest is a Wellness category that supports activities, hobbies and creative pursuits, outside of work.
This can include classes, supplies and equipment and tools for personal development like arts, cooking or other areas of interest. Expenses tied to work or earning income aren’t included. This category is strictly for enrichment.
- Any expenses related to personal enrichment, hobbies, and interests that support overall well-being and life satisfaction, and are unrelated to employment including:
- Arts and crafts
- Photography
- Music
- Gardening
- Language
- Cooking, baking, or culinary pursuits
- Dance
- Theatre
- Eligible expenses can include:
- Textbooks
- Supplies
- Equipment
- Software
- Class or workshop fees
- Excludes:
- Any activity that is undertaken for career development, business-related, or income-generating
- General household goods
Pet Care
Pet Care is a Wellness category that helps Members support the health and wellbeing of their pets.
This can include vet visits, treatments, medications and training or boarding services. Routine supplies like food and toys or the initial cost of purchasing a pet are not considered eligible for reimbursement.
- Veterinary-related costs
- Check ups
- Vaccinations
- Diagnostic services
- Treatment for illness or injury
- Vet-prescribed medications or services
- Pet insurance premiums
- Care and boarding
- Day care fees
- Kennel or boarding costs
- Training and behavioural support
- Obedience classes and training sessions
- Excludes:
- Purchase of a pet
- Routine supplies such as food, treats, toys, bedding
- Standard grooming costs
Insurance Premiums
Insurance Premiums is a Wellness category that helps Members recoup the cost of insurance they pay for themselves.
The key in this category is that the Member is paying the premium personally, and it’s not paid by an employer. Premiums for health and dental plans, life, disability or travel insurance (as long as health and dental portions are broken out) can be eligible.
- Premiums paid by the Plan Member for various types of insurance. Note that employer-paid premiums are not eligible.
- Health and dental insurance
- Critical Illness insurance
- Life insurance
- Long-Term Disability Insurance
- Short-Term Disability Insurance
- Travel Insurance
Financial Advice
Financial Advice is a Wellness category that helps Members who seek out professional guidance with their personal finances.
Expenses like fees paid to a financial planner for advice on investments and costs for tax preparation services are included in this category. Trading fees, commissions or self-directed tools are not considered eligible expenses. Essentially, if the expense is for advice or planning, it belongs here.
- Financial advisor fees - fees paid to qualified professionals for financial guidance on topics including:
- Financial planning, including:
- Comprehensive
- Retirement-focused
- Education savings planning
- Estate and legacy planning
- Debt and credit counselling
- Investment advice and portfolio planning, including:
- One-time or ongoing fees
- Portfolio reviews
- Risk tolerance assessments
- Investment strategy design
- Tax planning
- Financial planning, including:
- Tax preparation and filing fees
- Excludes:
- Product purchases (stocks, funds, policies, etc.)
- Trading fees and commissions
- Self-help (books, podcasts, subscriptions)
- Fees related to business activities
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 2026-03-23. If we don'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: 2027-04-01 and that change will affect future funds only.
FAQ
What if I don't make a selection?
Your benefits will continue as-is. You'll continue receiving contributions and we'll allocate them based on your current selection.
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.
What happens to funds already in my spending accounts?
Funds already allocated to your Health Spending Account or Wellness Spending Account stay where they are. They are not impacted by this selection.
These funds (contributed between 2025-10-01 and 2026-03-31) can be used to reimburse expenses incurred between 2025-10-01 and 2027-03-31. After that, the funds will be reset.
Can I change my selection later this year?
Sorry, no can do. Once you've made a selection it stays in place until next year (2027-04-01). It's a rule the Canada Revenue Agency (CRA) has in place for all spending accounts.
