Health & Welfare Trusts for Small Businesses


For incorporated individuals, business owners and professionals, we can offer a Health & Welfare Trust (HWT) sanctioned by the Canada Revenue Agency. These employee ‘bank accounts’ are 100% tax deductible to the corporation and not considered a taxable benefit to the employee. They are used exclusively to finance the health and dental expenses of the business owner, employees and their family members.

If you have a small or medium-sized business, chances are you’ve been hit hard by increasing premiums.

Have your insurance costs been doubling every three to four years?

Do you pay far more in premiums that you ever receive in benefits?

We offer an innovative self-insurance model that puts control back in the employer’s hands. You only pay for the healthcare expenses that you and your employees actually incur. If the money is not spent that year, excess funds roll over indefinitely and can be used for a broader range of health services – unlike traditional plans or group insurance.

What’s more, a stop-loss insurance option we call WinFlex Plus limits the amount you’ll ever have to pay on a large unexpected health claim.

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