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After selecting your benefits you will have the opportunity to choose
where to assign any unused Flex Dollars. If the Flex Dollar Allowance
is greater than the total Flex Dollars that will be used for premiums
you can apply the unused dollars to a personal Health Services Spending
Account, Group RRSP, reduce your payroll deduction or a combination.
If you choose to reduce
your payroll deductions the benefits will be calculated automatically
depending on the amount chosen.
The Health Services
Spending Account can be used for the following expenses:
Dental or medical expenses that Canada Customs and Revenue Agency (CCRA)
considers eligible for a medical expense credit under a person's income
tax return.
For example:
- drugs and medication
which are normally covered under their regular plan (as well as other
drugs not included in their regular plan) so long as they are prescribed
by a doctor and dispensed by a pharmacist.
- dental care expenses
normally covered under their regular plan as well as other expenses
such as crowns, bridgework and orthodontics. No age limits or frequency
limits apply! (dental expenses must have procedure codes in the respective
Provincial Fee Guides).
- professional fees
for medical practitioners such as an acupuncturist, chiropractor or
naturopath
- eye exams, eyeglasses,
contact lenses, and hearing aids
- private hospital
accommodation
- medical devices
and supplies
- psychiatric or
psychological counselling
- nursing home care
- out-of-country
health care resulting from an emergency while travelling or from a physician's
referral
- nutritional counselling
They can also
pay for:
- medical expenses
for a financially dependent family member such as a parent, brother
or sister, even though he or she may not be covered under the regular
group plan (so long as that person is claimed as a dependent on your
income tax return), or
- your spouse's premium
contribution to his/her group plan or premium for individual travel
health insurance.
NOTE: CCRA
requires that Spending Accounts be used for the purpose for which they
were intended - to pay for eligible medical expenses. Unused account balances
cannot be withdrawn in cash or used for other purposes and must be used
within 12 months of becoming vested.
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