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Canadian Benefits Guide
Aon Insights

Canadian Benefits Guide


Privately-sponsored employee benefits may supplement and/or complement available government benefits. This year’s Canadian Benefits Guide spotlights key program elements, contribution requirements, or tax provisions of particular interest to group insurance plan sponsors.

Aon’s Canadian health and benefits team plans, builds, and manages benefit plans that drive results. With indepth knowledge of the Canadian healthcare landscape, we provide targeted local and national perspective and insights into our evolving industry, workforce trends, and legislative changes that affect employers across Canada and around the world. We help our clients achieve sustainable performance through an engaged and productive workforce; navigate the risks and opportunities to optimize financial security; redefine health solutions for greater choice, affordability and wellbeing; and help their people make smart decisions on managing work and life events.

For more information on how the material in this document applies to your employee benefit programs, please contact your Aon consultant or send a note to Aon’s Health and Benefits Practice.

Canadian Benefits Guide

Guide Contents

  • Group Insurance Taxation
    • Taxation
    • Taxable benefits
    • Other taxes
    • Medical expense tax credit
    • Employment insurance premium reduction
  • Public Health Insurance Programs
    • Hospital insurance
    • Emergency out-of-country benefits
    • Financing
    • Drug insurance plans
    • Supplementary benefit practitioners’ coverage
  • Employment Insurance
    • General
    • Eligibility criteria
    • Regular benefit
    • Special benefits
    • Québec Parental Insurance Program (QPIP)
    • High income claimant
    • Coordination
    • Employer premium reductions
  • Government-sponsored Pension Plans
    • Canada Pension Plan (CPP) and Québec Pension Plan (QPP)
    • Old Age Security (OAS)
    • CPP/QPP disability benefits
    • Contributions
    • Maximum monthly benefits
    • Summary data – CPP, QPP and OAS



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