Reference guide
Plan Document
The written legal arrangement that establishes the PHSP. The CRA requires a formal plan document to exist for a PHSP to qualify for tax-free treatment. The document sets out the plan year, allocation tiers, eligible expense categories, rollover policy, and other plan terms. The third-party administrator (such as NuvioLife) typically generates and maintains the plan document on behalf of the employer.
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Walk it through with us
Walk through the three paths with us.
We'll look at your team size, ages, and current plan, then map you to the path that fits, and coordinate the insurance side with your broker (or refer one if you don't have one yet).
- 01Map your headcount and demographics
- 02Match to the right path (or combo)
- 03Loop in your broker, or refer one
- 04Wallet stack fully deployed in 4 days
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- Plan-design walkthrough, no slide deck
- Works alongside your existing broker
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