A little clarity. A little confidence. A lot of peace of mind.
Hello from Benefits Plus! With autumn here and winter getaways on the horizon, it’s a good time to check in on your coverage. This month, we’re sharing what’s new in group benefits, ways to care for your mental health this fall and winter, a few things to check before you travel, and a reminder about getting help with your personal claims.
Fresh findings from the 2026 Benefits Canada Healthcare Survey, reported October 6, offer a snapshot of how Canadian workplace plans are evolving.
Among surveyed employers offering a stand-alone mental-health counselling benefit, the average annual maximum rose to $2,679 in 2026—up 3.7% from 2025. [1]
Your own coverage may differ. Check your plan’s counselling limits, eligible practitioners, and any support available through an Employee Assistance Program (EAP).
Read the survey findingsThe same survey found 37% of plan sponsors added a benefit or improved coverage in the past year, compared with 10% that reduced coverage or removed a benefit. [1]
These are industry trends—not a change to your plan. Review your latest benefits booklet and insurer’s member portal so you know what’s available and which limits apply.
Source: Benefits Canada, October 6, 2026Shorter days, colder weather, and busy schedules can affect how we feel. Small, manageable habits can support your wellbeing—and reaching out for help is a positive step at any time of year.
Try a short daytime walk when conditions are safe, or choose an indoor activity you enjoy. Open the curtains and make time for natural daylight, even on cloudy days.
Aim for consistent sleep and wake times, regular meals, and a relaxing wind-down before bed. Small routines can bring structure to the darker months.
Plan a call, coffee, or shared activity with someone you trust. Keeping in touch can help when colder weather makes it tempting to withdraw.
Set realistic expectations around work, holidays, and social commitments. Make space for breaks and activities that help you relax.
If low mood, loss of interest, or changes in sleep or energy persist or interfere with everyday life, speak with a qualified health professional. Seasonal depression is treatable; you do not have to manage it alone.
An Employee and Family Assistance Program (EFAP), sometimes called an EAP, offers confidential, short-term counselling and support for eligible employees and family members. It can help with stress, relationship concerns, grief, and other personal or work challenges. Some programs also provide financial or legal guidance.
For employers: Make sure your benefits offering includes an EFAP and that staff know how to access it. If you do not have one, contact Benefits Plus to discuss adding this support.
Need help finding your program? Edna and Matthew can help you locate the right contact details. You do not need to share personal counselling concerns with us.
Whether you’re heading south for a week or visiting family abroad, don’t assume travel insurance is automatically included in your group plan. A quick check now can make a big difference later.
Ask your insurer whether you and your travelling dependants have emergency medical coverage outside your province or Canada. Confirm trip-length limits, age limits, deductibles, coverage amounts, and any requirement to maintain provincial health coverage. Arrange additional insurance if needed.
Ask about pre-existing conditions and your plan’s exact stability period. New symptoms, medication changes, tests, or treatment can affect eligibility—even if you feel well. Disclose information accurately and get written confirmation of coverage before you leave.
Check Government of Canada travel advisories before booking and again before departure, including regional warnings. “Avoid non-essential travel” or “avoid all travel” advisories may affect coverage. Ask your insurer how existing or new advisories apply to your specific policy.
Take your policy number and your insurer’s 24-hour travel assistance number. Confirm when you must call for authorization and what to do in an emergency. Check medical evacuation coverage; trip cancellation and interruption are separate benefits and may not be included.
Before you go: Contact your insurer to confirm your specific requirements and ask for written clarification if anything is unclear. Coverage depends on your policy and circumstances—not simply on having a benefits card.
As privacy and security practices evolve across the insurance industry, protecting your personal information remains a priority. If you’re having trouble with a prescription drug or dental claim, or need details about your personal insurance information, please contact your insurance company directly first. Their team can securely verify your identity and access your claim and coverage details.
Still need a hand? We’re always here for you.
If you’re not getting the answers you need, or would like help understanding the next steps, reach out to us. Edna and Matthew are always available to help and assist, working with you and your insurer as needed and with any required consent.
Questions about your plan, an upcoming trip, or where to turn? Let’s connect.
Information reviewed October 8, 2026. This newsletter provides general information, not a guarantee of coverage or individual insurance advice. Your insurer’s policy terms, exclusions, eligibility rules, and claims decisions apply. Please confirm your own coverage directly with your insurer before making travel or treatment decisions.