Approval-Triggered PHSP Billing Models and Employer Liability Exposure in Canada
Employers must ensure PHSP claim approvals meet CRA rules to avoid audit exposure.
Marguerite Osei-Bonsu
Section
6 stories in PHSP Provider Selection and Pricing Models.
Employers must ensure PHSP claim approvals meet CRA rules to avoid audit exposure.
A structured handoff of claims and limits keeps employee reimbursements flowing.
Employers must document plan terms before billing to qualify for tax-free PHSP treatment.
Actual costs include provincial taxes and fixed charges beyond the advertised percentage.
Flat-fee plans cost less at high claim volumes; pay-as-you-go suits unpredictable use.
Small business owners must vet administrators on tax compliance, not just convenience.