Upcoming Submission Deadline!
We would like to take this opportunity to remind you that if you have claims from the 2020 benefit year that you have not yet claimed against your HCSA balance, there is a 90 day claims run-off period to submit these claims.
When is the deadline?
2020 claims must be received by Canada Life prior to March 31st, 2021 to be claimed against your 2020 HCSA dollars. Any unused 2020 benefit dollars remaining after this period will be forfeited.
What are covered expenses?
The HCSA can be used to cover a range of benefits not normally covered under other types of group benefits plans or by provincial medical plans.
You are covered for 100% of eligible expenses that you incur while you and your dependents are covered, up to the total amount of dollars in your HCSA.
The Income Tax Act governs the types of expenses that can be reimbursed under the HCSA. This includes medical or dental services provided by a:
• Licensed medical practitioner;
• Dentist; or
• Public or licensed private hospital.
Please visit www.canada.ca/en/revenue-agency and search on medical expenses for a complete list.
When does my HCSA refresh?
Your HCSA refreshed effective January 1, 2021 based on the Flex Option you have chosen and part-time/full-time status where applicable. Please visit www.canadalife.com to review your claims history and obtain your HCSA statement including balance.
What happens if I have excess claims from 2020?
Under the HCSA, you can carry forward claims up to 12 months from the date of service. This means if you had more 2020 expenses than you had 2020 HCSA dollars, you can carry forward those claims for reimbursement against your 2021 HCSA balance.
The above is a summary of the provisions of the group plan. In the event of a discrepancy between this benefit and the master contract, the terms of the group contract will apply.
Supporting Your Wellness
Your hopes should inspire and motivate, not evoke shame and create a fear of failure. Change and the resolve to alter or stop deeply ingrained habits can be really difficult. One way to approach difficult changes is to set goals instead of making resolutions. Why?
• Fluid, realistic and attainable steps. A goal can be broken down into manageable steps, big or small, according to your feelings, and your ability to respond to challenge.
• That celebration of accomplishment. Each step you achieve serves as a win and a very effective motivator to keep going.
• Perception. A goal feels looser, more forgiving and feasible when compared to a hard and fast resolution, helping you to stay positive on your journey.
• Scope and practice. You create, break down and reach realistic goals every day, without realizing it, the process of establishing, planning and executing your new year’s goals is a process you’re a pro at already – and therefore more likely to succeed.
Whether you make goals or stick to traditional new year’s resolutions these tips will increase your odds for success:
• Think of what you’re adding, not taking away. Re-frame or reposition your thoughts, instead of “stop skipping the gym” change to “go to yoga”, or “cut the junk food” to “eat healthy”, this will allow you to feel less deprived and more inspired.
• Write them down so you can see them. Writing down your resolutions makes them tangible, visible things in your world. Displaying your hopes someplace you’ll see them often keeps them at the forefront of your mind and your intentions.
• Ask for help. When you need extra support, reach out to family, friends, local groups, or even professional coaches and/or counsellors.
• De-construct the big ones. Break down extra challenging goals (i.e.: “get fit”) into smaller steps you can tackle with confidence (i.e.: do 20 minutes on the treadmill, daily) so you have a firm plan to follow.
• Try, try again. If your resolution was to call mom weekly and you haven’t, don’t beat yourself up about it… just pick up the phone and start your new ritual again.
• Set the stage for success. Create an environment that encourages, not undermines. If you’ve decided to run everyday, lay out your sneakers the night before.
• Reward yourself. Celebrate your small wins, as well as the big ones to add some fun and incentive to your process.
To find more tips and resources such as the above, visit homeweb.ca. Provided by your EFAP provider, Homewood Health, homeweb.ca has a number of resources relating to mental health, the holiday season and the impact of COVID-19.
If you or someone you know are experiencing extended periods of loneliness and isolation, you can seek help through the EFAP. Please note, the EFAP is a professional, confidential, and proactive service to support you in all aspects of your life.
It can help with a variety of situations such as stress, anxiety, life change and transitions, relationship concerns, etc. Your full suite of EFAP services includes counselling, Life Smart Coaching and Online resources.
Click here to review the Homewood Health EFAP resources available to you and to get contact information.