Wishing you all the best this holiday season!

In the spirit of gratitude and giving back, HFG has donated to the United Way Halton and Hamilton on behalf of our clients.

To learn more about the support they provide to those in need please visit their website https://uwhh.ca/

These much needed funds will get directly into the community to support critical life changing social supports. 

Please note that our office will be closed Tuesday December 24th to Friday December 27th and Tuesday December 31st and January 1st.

On behalf of our team thank-you for your business and we wish you health and happiness for 2025!

Are Employer Paid Premiums Taxable to the Employee?

Employer paid premiums for any of the benefits listed in the box below are considered a taxable benefit to the employee.

Are Claim Payments a Taxable Benefit to Employees?

Most group insurance benefits received by employees are not taxable in the hands of the employees, with the possible exception of disability benefits.

2025 Health and Lifestyle Spending Account Limits

The new year will be here before you know it. Don’t forget, before January 1, you should review and update your employees’ Health Spending Account (HSA) and Lifestyle Spending Account (LSA) limits for next year. This is done through Update HSA Limits and Update LSA Limits in the left-side menu on my-benefits.ca. If you don’t enter new limits for next year, your employees will simply maintain their current annual limits.



Part-time employees are a staple to many businesses. Now business owners can choose to include all part-timers under their Chambers Plan benefits, provided they’re permanent employees who work at least 15 hours per week.