NuvioLife
Taxable benefit · Configurable categories

Personal Spending Account. Taxable benefit. The wellness wallet your insurer rejects.

Cover the everyday preventative spend traditional plans treat as ineligible, vitamins, OTC medication, ergonomic gear, and wellness apps. The wellness layer that quietly reduces long-term claims pressure on your HSA.

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  • Taxable benefit · Configurable categories
  • Same-day launch
  • No annual renewals
  • Built in Canada
PSA · WALLET
Personal Spending Account
Live
PSA available · this year
$600

Wellness credit · everyday preventative spend

Recent claims
Auto-adjudicated
  • Multivitamin
    Well.ca
    $32
  • Standing desk mat
    Amazon.ca
    $95
  • Calm subscription
    Calm.com
    $70
What it covers

The PSA wallet, in plain language.

No 90-page benefits booklet. Each category is configurable per plan and eligibility is checked at submission, your team sees exactly what they can spend on, in their wallet.

Lead category

Preventative health & supplements

The everyday wellness spend that traditional carriers refuse to cover, and that quietly compounds into long-term claims pressure.

Common examplesWell.ca multivitaminSleep aid receiptsDaily probiotic
What's covered
  • Vitamins & supplements
  • OTC medications
  • Probiotics
  • Sports nutrition
  • Sleep aids
PSA category

Devices & monitoring

Connected health hardware that helps your team manage chronic and preventative care, at home.

  • Fitness trackers
  • Blood-pressure monitors
  • Continuous glucose monitors
  • Smart scales
  • Sleep monitors
PSA category

Mental wellness & alternative care

The growing set of modalities your team is paying for out of pocket today.

  • Meditation apps
  • Mental wellness platforms
  • Ergonomic accessories
  • Alternative therapies
  • Personal coaching
PSA category

Workspace & ergonomics

The everyday "is this an HR or facilities expense?" line items, covered cleanly.

  • Ergonomic accessories
  • Standing-desk mats
  • Lumbar supports
  • Blue-light glasses
  • Keyboard wrist rests
Tax treatment

How the PSA sits inside Canadian tax law.

The boring-but-essential layer. We handle the bookkeeping so payroll, T4 reporting, and source-deductions stay clean.

PSA
Configurable taxable benefit · per-category caps
In one paragraph

PSA reimbursements are a taxable benefit, but the categories you fund are entirely up to you. NuvioLife handles T4-aligned reporting and per-category allocations so finance can model spend without a spreadsheet rebuild every quarter.

Tax line
Taxable benefit · Configurable categories
Best for

Two scenarios the PSA was built for.

Pulled from real demos with Canadian HR leads and founders. Find the one that resembles your team, odds are this wallet was designed with you in mind.

Forward-thinking organizations investing in prevention

Reduce long-term HSA claims pressure by funding the preventative spend your team is doing anyway. Vitamins, ergonomics, and mental wellness drop chronic-care claims downstream, and signal a wellness culture without a marketing campaign.

  • Sub-limit per category in the plan builder
  • Receipts auto-categorized at submission
  • Compounds into lower long-run HSA utilization
Best for50–500 person teamsWellness-forward employers

Health-tech, wellness, and active-lifestyle brands

Match your benefits plan to your brand. A PSA signals to candidates and customers that your company invests in wellness as a system, not a slogan, and gives your team the buckets they would have asked for in the next 1:1.

  • Custom categories beyond the defaults
  • Per-employee caps configurable by team
  • Clean T4 reporting at year-end
Best for20–200 person teamsWellness, fitness, health-tech
Funding & administration

One platform. One funding flow. Five wallets.

Fund the PSA the same way you fund every other NuvioLife wallet, credit card, EFT, or Interac e-Transfer, scheduled or on demand. One platform, one funding flow, five wallets.

3 funding methodsMulti-plan supportReal-time dashboardAES-256 encrypted
  • · Credit card · EFT · Interac e-Transfer (all native, all auditable)
  • · Schedule recurring or top up on demand
  • · Multi-administrator support with full audit trail
  • · AES-256 encrypted at rest and in transit · HIPAA-aligned
Platform overview

Every wallet shares the same dashboard, funding rail, and security posture. See the PSA sit alongside the four other wallets on the employer pillar page.

Explore the full platform
PSA questions, answered

Everything employers ask before turning the PSA on.

Five answers built from real demos with Canadian HR teams, CFOs, and founders. If yours is not here, the demo button is.

The HSA covers CRA-recognized medical expenses tax-free. The PSA covers preventative wellness spend (vitamins, devices, apps, ergonomics) as a taxable benefit. Use the PSA to cover what the HSA legally cannot.

Turn the PSA on for your team, in about 15 minutes.

Book a demo and we'll walk your team through the PSA configuration, category caps, and the live dashboard. Or jump straight into the plan builder and design it yourself.

Get started for free →
12+wellness sub-categories
The other four wallets
Or see all five wallets working together on the employer platform overview.