Standalone®

A fully digital, pay-as-you-claim solution.

Standalone®

A fully digital, pay-as-you-claim solution.

Standalone®

A fully digital, pay-as-you-claim solution.

An Alternative or Top-Up to a Traditional Benefits Plan

Launched in 2016, Benefits by Design (BBD) Inc.’s Standalone product was born out of a desire to help working Canadians use their benefits dollars the way they want. It’s a plan that’s open to any incorporated company, with no restrictions on the number of employees, hours worked, or a minimum premium requirement. At its core are two Spending Accounts: a Health Care Spending Account (HCSA) and a Wellness Spending Account (WSA).

Health Care Spending Account

A Health Care Spending Account (HCSA) provides a non-taxable alternative or supplement to a traditional benefits plan. Employers select a dollar amount for their employees to spend on eligible expenses, and the employees decide how to spend the money.

HCSAs are regulated by the Canada Revenue Agency (CRA), and only expenses listed as eligible by the CRA can be covered by an HCSA.

Examples include:

  • Ambulance services;
  • Specific cancer treatments;
  • Dental services;
  • Registered Massage Therapy (RMT);
  • and more!

*For a more detailed list, please download our eligible HCSA expense list.

Wellness Spending Account

A Wellness Spending Account (WSA), sometimes known as a Personal Spending Account (PSA), is a taxable benefit that provides additional health and wellbeing options beyond what is covered under a traditional benefits plan. Employers decide what will and will not be covered under a WSA, and as a result, the options for coverage are almost limitless!

Examples include:

  • Gym, fitness centre, and annual memberships
  • Child and Elder care
  • Education fees, tuition, and books
  • Smoking Cessation Programs
  • and more!

*For a more detailed list, please download a list of taxable WSA items.

Add Group Travel to Standalone!

AwayCare is a premier travel insurance Managing General Agent (MGA) specializing in out-of-country and out-of-province medical coverage for Canadians, making them an ideal partner for us. This coverage can be added to new or existing plans and paired with almost any benefit through BBD, making group travel insurance available to everyone, regardless of participation, number of lives, or level of coverage.

Learn More

Specialty Standalone Accounts

Combination Spending Account

Combination Spending Accounts bring together the coverage of an HCSA and a WSA. Employers determine the allocation for each of the Spending Accounts, or allow employees to decide how to allocate their funds to best suit their needs.

Learn More

Build Your Own Account

The Build Your Own Account provides the ultimate level of flexibility and choice for employers, allowing the plan to precisely accommodate specific needs. Employers will be able to define almost every aspect of their plan.

Learn More

myCharity Spending Account

The myCharity Spending Account is a unique opportunity that allows employees to ake charitable donations on behalf of their employer. Employers set the amount available tobe donated and the charities that are eligible, and employees make the donations. These Accounts are considered non-taxable and do not affect an employee’s income.

Standalone Features:

  • Secure digital and mobile platform
  • Claims made on-the-go
  • No cheques or prefunding required
  • Completely paperless system
  • Supported by Benefits by Design’s customer service
  • Two- to four-day turnaround for claims reimbursement

Getting Started

Employers set how much. Employees choose when and how to spend it.

See how Standalone® could work for you!

Speak with your Advisor.
Don’t have an Advisor? Complete the form below and we’ll put you in touch.

  • This field is for validation purposes and should be left unchanged.