FOCUS ON:

SPOUSE

CHILDREN

PARENTS

COMMUNITY

By marriage, civil union or common-law relationship (min. 1 year). Your dependent children (including your spouse’s children). Your parents (including your spouse’s parents). There are several benefits at your disposal to help you take care of community in your own way.

There are several benefits at your disposal to help you take care of your spouse.

There are several benefits at your disposal to help you take care of your dependent children.

Even though your parents cannot be covered by your insurance, there are several benefits at your disposal to help you take care of your aging parents.

To help you focus, we highlighted the ones that are most directly tied to this goal.

Note that for insurance, you must choose the couple or family status if you want to cover your spouse.

Note that for insurance, you must choose the single-parent or family status if you want to cover your children.

Insurance

Medical and vision care
- Prescription drugs
- Ambulance transportation
- Labs and X-rays
- Orthotic devices, hearing aids and other medical equipment
- Psychologist / social worker / psychotherapist / psychoeducator / clinical counsellor
- Physiotherapist / rehabilitation therapist / athletic therapist / kinesiologist
- Audiologist / speech therapist / occupational therapist
- Osteopath / chiropractor / naturopath / homeopath / dietitian / acupuncturist / massage therapist / orthotherapist / podiatrist
- Hospitalization
- Convalescent home
- Nursing care
- Dental emergency
- Eye exams
- Glasses and contact lenses
- Laser eye surgery

Travel insurance

Going on a humanitarian trip? Before you leave, consult the Travel insurance guide for full details of your coverage.
- Emergency health care outside Canada
- Travel assistance
- Trip cancellation
Dental care
- Basic and preventive care
- Periodontics and endodontics
- Major restorative services
- Orthodontics
Disability insurance
- Optional accidental dismemberment insurance
- Optional critical illness insurance
Life insurance
- Optional life insurance for yourself
- Optional life insurance for your dependents
If your spouse and your family are financially dependent on you, you might want to consider optional life insurance or critical illness insurance.

Lifestyle

Personal spending account
- Cultural and recreational activity fees
- Childcare and eldercare expenses
- Estate planning, financial investment counselling and tax return preparation
- Legal expenses
- Public transit passes
- Car or bike sharing memberships
Health spending account

You may be able to claim reimbursements for expenses related to caring for your parents through the Health spending account if they qualify as your eligible dependents according to the Canada Revenue Agency.
- Medical, vision and dental care reimbursements
  - Deductibles or coinsurance
  - Expenses not covered by the program or exceeding the plan caps
Employee and family
assistance program
- Parenting
- Relationships & intimacy
- Conflict resolution
- Family dynamics
- Assistance in navigating childcare or eldercare
- Legal services (e.g. family law including child custody, divorce, etc.)
- Financial services (e.g. bankruptcy, debt, divorce, employment transition, etc.)
Growing old can be challenging not only for the aging individuals, but also for their loved ones. Don’t hesitate to call your Employee and family assistance program for advice on delicate matters, such as stepping in to help your parents.

Virtual healthcare
- Chat with a nurse in real time
- Consult a doctor or a health care professional via videoconference
- Renew your prescriptions and get them delivered for free
- Get referred to see a specialist in person
- Get help to navigate the healthcare system
Vacation time

Use your vacation time to create memories with your loved ones!

Use your vacation time to create memories with your spouse!

Use your vacation time to create memories with your children!

Use your vacation time to create memories with your parents or your wellness days to accompany them to their medical appointments.
- Annual vacation time
- Wellness days
- Possibility to buy more vacation
- Possibility to convert the wellness days into flex dollars (possible once a year)
Have you always wanted to go on a humanitarian trip? Purchase extra vacation time and make your dream come true! If you are volunteering, you can use your wellness days to help those in need.
Discounts
- Entertainment: attractions, theater, sports, movies
- Shopping: apparel, electronics, personal computers, home furniture/décor
- Food: restaurants, meal delivery
Discover the discounts available to you. They could allow you to treat your parents to a meal delivery service.

Savings

Contributions
- Investing for your projects
- Becoming a WSP shareholder
With the spousal RRSP, your spouse can save for retirement and benefit from the advantageous management fees of the funds offered under WSP’s savings program.
Using your savings

You can use your savings to finance any important personal project of yours! Be sure to make an informed decision and select the right account.
- During employment
- Buying a home for the first time (Home Buyers’ Plan)
- Financing a full-time return to school for yourself or for your spouse (Lifelong Learning Plan)
Did you know that you can withdraw up to $20,000 tax-free from your RRSP to help your spouse go back to school full-time through the Lifelong Learning Plan (LLP)? Visit the Canada Revenue Agency’s website for more details.

You can use your savings to finance an important personal project of yours, such as buying a multigenerational home.

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