Wednesday, September 27, 2017

Ready to save? Here is how to get started on your PHSP


With no setup fee, no claim limits, no monthly premiums and a low 5% admin fee, getting your PHSP set up is a breeze. As an Owner Operator (Sole Proprietors), Small Business (Corporations), Medical Service Provider, or an employee, it is easy to get started on saving. All our documents are web based to make things easier for you, with the added benefit of getting to a Certified General Accountant for quick review. Visit our Get Started page, and send on over your info via email or fax. Once you have submitted our simple sign-up form, you are all ready to get started. Pay as you incur medical and dental expenses, and keep those invoices and receipts in a safe place! Using our Claims Form, either by hand or on the computer, tally your expenses. Add a 5% admin fee, a $10 processing fee, and GST only – this is your total health care costs for business expenses. Write a check on your business account to Corporate Care, or use our credit card authorization form online, enclose your original receipts, and deliver or mail these directly to us. Once our CGAs adjudicate your claims and check your totals, we will return your receipts with a check or direct deposit to your personal bank account.


No set up fees, low cost admin fees, large tax savings. This is Corporate CARE


Important Links:


Get Started:


Client Forms:


Posted by Margaret Koniuck at 2:30 PM 0 Comments

Tuesday, August 29, 2017

Top Reasons to ditch your Traditional Insurance Plan for a PHSP

Have you noticed your premiums creeping up every year? Getting frustrated with paying premiums for programs you don’t use? Perfect vision, but need to see an RMT? Straight teeth, but need a chiropractor to straighten out that spine? We’ve got you covered.

Regardless of your age and pre-existing conditions, a PHSP lets you claim only what you use, no more paying for services you don’t need. With less worrying about what and how much your insurance will cover, a PHSP lets you save money without stressing over high deductibles or coverage limitations. It’s time to ditch the “Reasonable & Customary” coverages, and generic brand drug limitations. For as little as a 5% administration fee, you, your employees, and your families can benefit from tax savings and health coverage for the services you really need and use.

Are you an Owner/Operator, Small Business, Medical Services Provider, or their employee and want to learn more? Check out our website, give us a call, or see our last blog post all about What is a PHSP, and how do you Qualify


Posted by Margaret Koniuck at 9:07 AM 0 Comments

Thursday, August 10, 2017

What is a Private Health Services Plan (PHSP) & How do I Qualify?


A PHSP lets you expense your medical and dentals costs (for you, your employees, and family) through your company, creating a cost-effective way to extend flexible health care benefits and earning large tax savings for you. Instead of paying your medical expenses with your after-tax dollars or through premiums, you have the option to pay through your business using before tax dollars. By paying your medical bills as a business expense, you reduce your taxable income, generating more savings for you at tax season. You can claim 100% of a wide variety of medical costs (including braces, physiotherapy, vision care - even your spouse’s premiums!).


Whether you are an Owner/Operator, Small Business, Medical Services Provider, or employee, you can benefit from these tax savings. No hidden fees, no monthly premiums, just a simple claims form filled out by hand or on your computer.


No set up fees, low cost admin fees, large tax savings. This is Corporate CARE.


Posted by Margaret Koniuck at 12:00 AM 0 Comments

Tuesday, September 03, 2013

Tax Free Benefits

As a small business you are looking to save at every corner but it does not have to come at the cost of your employee benefits.  With Corporate Care you can provide all the medical benefits that much larger companies provide at a fraction of the cost. We do this through the use of a private health service plan. The Corporate Care plan has no sign up fee and no monthly fee and is completely customizable for you and every one of your employees. It is simple and easy to use. You can sign up on our website in under 5 minutes and start saving the same day.  By running your personal health and dental benefits through Corporate Care, a third party administrator, business owners can write off their health and dental expenses through their business. This is a personal tax-free benefit to the owner.  If you extend this out to your employees by way of a health spending account, it’s a wonderful tax-free benefit for your employees, too.

Other tax free benefits that may interest you:

Overtime meal allowances:  Since 2009 Canada Revenue agency no longer considers a meal to be a taxable benefit if an employee is working overtime. To a maximum amount of $17

Non-Cash gifts under $500:  As an employer you are allowed to give non cash gifts worth up to $500 a year without it being considered a taxable benefit.


Post-secondary scholarships for your kids:  For all your employees that have kids this is a popular one, as an employer you can provide your employees children with scholarships for post secondary education the scholarship must be declared by the employees children. The scholarship cannot be used for primary or secondary school.

2017 Update:

Rules for gifts and awards

gift has to be for a special occasion such as a religious holiday, a birthday, a wedding, or the birth of a child.

An award has to be for an employment-related accomplishment such as outstanding service, employees' suggestions, or meeting or exceeding safety standards. It is recognition of an employee's overall contribution to the workplace, not recognition of job performance. Generally, a valid, non-taxable award has clearly defined criteria, a nomination and evaluation process, and a limited number of recipients.

Posted by Margaret Koniuck at 3:19 PM 0 Comments

Tuesday, July 02, 2013

Fun in the Sun

With summer finally on the horizon Canadians will be able to enjoy many outdoor activities and hours spent in the sun. It’s also important to remember to take safety precautions that come with spending time in the sun.

When you are outside in the heat one of the most important things to do is stay hydrated. Heat stroke is a very dangerous preventable condition that should be avoided at all cost. Other precautions that should be taken are to wear loose fitting light weight and light color clothing. In addition be wary of medications that affect your ability to stay hydrated and dissipate heat.

If you are spending the day outside it’s important to use proper sun protection or limit your time under direct sun rays. Remember that you can also sunburn on cloudy days too.


Even the most prepared and carful person have unexpected unavoidable medical expenses. Whether you need that chiropractor after pulling a back muscle mowing the lawn or wakeboarding or prescription medications to help you conquer a bout of poison ivy, Corporate Care is there to provide you with your own custom Private Health Service Plan.

Posted by Margaret Koniuck at 4:21 PM 0 Comments