{"id":592,"date":"2025-08-28T01:12:18","date_gmt":"2025-08-28T05:12:18","guid":{"rendered":"https:\/\/employmenthero.com\/en-ca\/?p=592"},"modified":"2026-02-03T00:04:10","modified_gmt":"2026-02-03T05:04:10","slug":"a-summary-of-relief-measures-from-canadian-employee-benefits-carriers","status":"publish","type":"post","link":"https:\/\/employmenthero.com\/en-ca\/blog\/a-summary-of-relief-measures-from-canadian-employee-benefits-carriers\/","title":{"rendered":"A Summary of Relief Measures From Canadian Employee Benefits Carriers"},"content":{"rendered":"\n<div class=\"wp-block-group alignfull blog-template-header has-neutral-100-background-color has-background has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"padding-bottom:var(--wp--preset--spacing--16)\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\"><div style=\"--bb--crumb-gap:.4em;\" class=\"blog-template-breadcrumb 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Relief Measures From Canadian Employee Benefits Carriers<\/h1><\/div>\n\n\n\n<p class=\"blog-template-sub-title\" style=\"padding-top:var(--wp--preset--spacing--9);padding-bottom:var(--wp--preset--spacing--9);line-height:1.5\"><\/p>\n\n\n\n<div class=\"wp-block-group is-layout-flex wp-container-core-group-is-layout-9 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-query wp-block-hosts-query has-global-padding is-content-justification-left is-layout-constrained wp-container-core-query-is-layout-1 wp-block-query-is-layout-constrained\"><ul data-wp-interactive=\"eh-hosts\" class=\"wp-block-post-template is-layout-flow wp-container-core-post-template-is-layout-1 wp-block-post-template-is-layout-flow\"><li data-host-index=\"0\" data-wp-on--click=\"actions.openDetail\" class=\"wp-block-post post-152 hosts type-hosts status-publish hentry\">\n\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-7 wp-block-group-is-layout-flex\">\n\n\n<div class=\"wp-block-group has-sm-font-size is-vertical is-content-justification-center is-layout-flex wp-container-core-group-is-layout-6 wp-block-group-is-layout-flex\"><h6 class=\"has-text-align-center has-link-color wp-elements-c7558c1c9e2b60b85b89e09ed14c4c61 wp-block-post-title has-text-color has-violet-500-color has-sm-font-size\">Jessica Johnson<\/h6><\/div>\n<\/div>\n\n<\/li><\/ul><\/div>\n\n\n\n<div class=\"wp-block-group blog-template-meta-row is-layout-flex wp-container-core-group-is-layout-8 wp-block-group-is-layout-flex\">\n<p class=\"has-text-align-center has-sm-font-size\" style=\"border-left-color:var(--wp--preset--color--neutral-700);border-left-width:1px;padding-left:var(--wp--preset--spacing--2)\">Published<\/p>\n\n\n<div class=\"wp-block-post-date has-sm-font-size\"><time datetime=\"2025-08-28T01:12:18-04:00\">Aug 28, 2025<\/time><\/div>\n\n\n<p class=\"has-text-align-center has-sm-font-size\" style=\"border-left-color:var(--wp--preset--color--neutral-700);border-left-width:1px;padding-left:var(--wp--preset--spacing--2)\">Updated<\/p>\n\n\n<div class=\"wp-block-post-date__modified-date wp-block-post-date has-sm-font-size\"><time datetime=\"2026-02-03T00:04:10-05:00\">Feb 3, 2026<\/time><\/div>\n\n<p class=\"has-sm-font-size\" style=\"border-left-color:var(--wp--preset--color--neutral-700);border-left-width:1px;padding-left:var(--wp--preset--spacing--2)\"><\/p><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull blog-image-container has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<figure class=\"wp-block-image aligncenter size-large is-resized blog-template-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/employmenthero.com\/en-ca\/wp-content\/uploads\/sites\/6\/2025\/07\/A-Summary-of-Relief-Measures-From-Canadian-Employee-Benefits-Carriers-1024x576.webp\" alt=\"\" class=\"wp-image-3330\" style=\"aspect-ratio:16\/9;object-fit:cover;width:864px\"\/><\/figure>\n<\/div>\n\n\n\n<div style=\"height:66px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-1 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:30%\">\n<div class=\"wp-block-group sticky-side-panel is-vertical is-content-justification-stretch is-layout-flex wp-container-core-group-is-layout-13 wp-block-group-is-layout-flex wp-container-2 is-position-sticky\">\n<p class=\"has-lg-font-size\" style=\"border-bottom-color:var(--wp--preset--color--neutral-200);border-bottom-width:0.1rem;padding-top:var(--wp--preset--spacing--4);padding-bottom:var(--wp--preset--spacing--4)\"><strong>Contents<\/strong><\/p>\n\n\n\n<div class=\"content-single-table-content\"><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:70%\">\n<div id=\"content-wrapper\" class=\"wp-block-group content-wrapper has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"padding-bottom:var(--wp--preset--spacing--4)\">\n<p>After much urging from clients and benefits advisors alike, many Canadian benefits carriers recently announced relief measures for businesses.<\/p>\n\n\n\n<p>As with most of the COVID-19 circumstances, these measures continue to vary from carrier to carrier, so we urge our clients to pay close attention to the communications that you\u2019re receiving (or already received) from your benefits carrier.<\/p>\n\n\n\n<p>We expect to see many others follow suit this week, but so far, the following carriers have communicated their premium credit approaches to further support businesses during these challenging times. For all fully insured, non-refund plans, you can expect to see the following:<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Sun Life<\/h2>\n\n\n\n<p><strong>A 50% credit against dental premiums paid<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>They will apply the April credit to the client\u2019s June 1st invoice<\/li>\n\n\n\n<li>They will review their relief program on a monthly basis<\/li>\n<\/ul>\n\n\n\n<p><strong>A 20% credit against non-drug-related extended health care premiums paid, which equates to between 8% and 9% of overall health premiums<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Prescription drug usage has not declined during the pandemic. However, while plan members are increasingly making use of virtual care across their paramedical providers, Sun Life is still seeing a reduction in claims activity<\/li>\n\n\n\n<li>As with the dental premium credit, Sun Life will apply the April credit to their June 1st invoice<\/li>\n\n\n\n<li>They will review their relief program on a monthly basis<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Manulife<\/h2>\n\n\n\n<p><strong>A 50% credit against dental premiums for the month of May<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>They will automatically make the 50% credit adjustment when conducting their PAD withdrawal for May premiums<\/li>\n\n\n\n<li>Nothing is required by you and your plan member\u2019s coverage remains the same<\/li>\n\n\n\n<li>They will review their relief program on a monthly basis<\/li>\n<\/ul>\n\n\n\n<p><strong>A 10% credit against your extended health care premiums paid (including prescription drug coverage) for the month of May<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>They will automatically make the 10% credit adjustment when conducting their PAD withdrawal for May premiums<\/li>\n\n\n\n<li>Nothing is required by you and your plan member\u2019s coverage remains the same<\/li>\n\n\n\n<li>They will review their relief program on a monthly basis<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Canada Life<\/h2>\n\n\n\n<p><strong>A 50% premium reduction adjustment will be applied to the dental benefit<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Retroactive to April 1st, 2020<\/li>\n\n\n\n<li>Will appear on May\u2019s invoice as a COVID-19 premium adjustment<\/li>\n<\/ul>\n\n\n\n<p><strong>A 20% premium reduction adjustment will be applied to the vision benefit<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Retroactive to April 1st, 2020<\/li>\n\n\n\n<li>Will appear on May\u2019s invoice as a COVID-19 premium adjustment<\/li>\n<\/ul>\n\n\n\n<p><strong>A 20% premium reduction adjustment will be applied to the healthcare benefit<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Excludes prescription drugs<\/li>\n\n\n\n<li>Retroactive to April 1st, 2020<\/li>\n\n\n\n<li>Will appear on May\u2019s invoice as a COVID-19 premium adjustment<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Equitable Life<\/h2>\n\n\n\n<p><strong>A 50% reduction on dental premiums<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>This reduction is retroactive to April 1st, 2020<\/li>\n\n\n\n<li>Will appear as a credit against the next invoice<\/li>\n<\/ul>\n\n\n\n<p><strong>A 20% reduction on vision and extended healthcare rates which equates to an 8% reduction on Health premiums<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Excludes prescription drugs<\/li>\n\n\n\n<li>This reduction is retroactive to April 1st, 2020<\/li>\n\n\n\n<li>Will appear as a credit against the next invoice<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Victor<\/h2>\n\n\n\n<p><strong>A 62% reduction on Dental premiums<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Valid for three months of April to June inclusive<\/li>\n\n\n\n<li>Will appear on June invoices<\/li>\n<\/ul>\n\n\n\n<p><strong>A 7% reduction in Health Care rates&nbsp;<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Excludes the costs for Maple, EAP, Lifespeak and World Care Benefits<\/li>\n\n\n\n<li>Valid for three months of April to June inclusive<\/li>\n\n\n\n<li>Will appear on June invoices<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Empire Life&nbsp;<\/h2>\n\n\n\n<p><strong>A 50% premium reduction will be applied to dental premiums<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Applied for the month of April<\/li>\n\n\n\n<li>Will appear on June invoices<\/li>\n\n\n\n<li>They will review their relief program on a monthly basis<\/li>\n<\/ul>\n\n\n\n<p><strong>A 10% premium reduction will be applied to extended health care premiums<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Applied for the month of April<\/li>\n\n\n\n<li>Will appear on June invoices<\/li>\n\n\n\n<li>They will review their relief program on a monthly basis<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Medavie Blue Cross&nbsp;<\/h2>\n\n\n\n<p><strong>A 50% premium reduction will be applied to dental premiums<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>This reduction is retroactive to April 1st, 2020<\/li>\n\n\n\n<li>Will appear on June invoices<\/li>\n\n\n\n<li>They will review their relief program on a monthly basis<\/li>\n<\/ul>\n\n\n\n<p><strong>A 10% premium reduction will be applied to extended health care premium<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Includes prescription drugs<\/li>\n\n\n\n<li>This reduction is retroactive to April 1st, 2020<\/li>\n\n\n\n<li>Will appear on June invoices<\/li>\n\n\n\n<li>They will review their relief program on a monthly basis<\/li>\n<\/ul>\n\n\n\n<p>As an alternative solution, upon request, group clients can opt to receive the savings with the next renewal, as a credit or applied toward the plan\u2019s rates.&nbsp; This approach could help avoid potential administration issues for plan sponsors, advisors and third-party administrators.&nbsp; If this is something you\u2019d like to do, please confirm with your Medavie Blue Cross representative by May 8th, 2020.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Desjardins Insurance<\/h2>\n\n\n\n<p><strong>A 70% premium reduction will be applied to dental premiums<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Applicable for the month of April and May<\/li>\n\n\n\n<li>Will appear on May and June invoices<\/li>\n\n\n\n<li>They will review their relief program on a monthly basis<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Green Shield Canada<\/h2>\n\n\n\n<p>Green Shield Canada will be providing all head office billed clients (excluding GSC TPA clients) with premium reliefs.<\/p>\n\n\n\n<p><strong>A 75% reduction will be applied to dental premiums&nbsp;<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Applicable for April, May, and June, retroactive to April 1st<\/li>\n\n\n\n<li>Will appear on May and June invoices<\/li>\n<\/ul>\n\n\n\n<p><strong>A 20% reduction will be applied to vision and extended health care premiums (excluding drugs)<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Applicable for April, May, and June, retroactive to April 1st<\/li>\n\n\n\n<li>Will appear on May and June invoices<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">BBD<\/h2>\n\n\n\n<p><strong>A 50% credit will be applied to dental premiums<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The credits for April and May will appear on June invoices<\/li>\n\n\n\n<li>They will review their relief program on a monthly basis<\/li>\n<\/ul>\n\n\n\n<p><strong>A 10% credit will be applied to extended health care premiums<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The credits for April and May will appear on June invoices<\/li>\n\n\n\n<li>They will review their relief program on a monthly basis<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">GroupSource<\/h2>\n\n\n\n<p><strong>A 55% credit will be applied to dental premiums<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>This does not apply to cases that have suspended benefits or removed their paramedical coverage from the health benefit<\/li>\n\n\n\n<li>The credits for April and May will appear on June invoices<\/li>\n\n\n\n<li>May and June billed premiums will not be changed on the invoice, but the PAD withdrawals will be reduced by the credit amounts indicated above (the statement reconciliation on page 1 of the June invoice will show the May premium, the amount paid by May PAD as well as the May credits)&nbsp;<\/li>\n\n\n\n<li>They will review their relief program on a monthly basis<\/li>\n<\/ul>\n\n\n\n<p><strong>A 10% credit (excluding pooling charges) will be applied to Health premiums, which equates a 9% overall rebate for health<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>This does not apply to cases that have suspended benefits or removed their paramedical coverage from the health benefit<\/li>\n\n\n\n<li>The credits for April and May will appear on June invoices<\/li>\n\n\n\n<li>May and June billed premiums will not be changed on the invoice, but the PAD withdrawals will be reduced by the credit amounts indicated above (the statement reconciliation on page 1 of the June invoice will show the May premium, the amount paid by May PAD as well as the May credits)&nbsp;<\/li>\n\n\n\n<li>They will review their relief program on a monthly basis<\/li>\n<\/ul>\n\n\n\n<p>Not sure what to do with your benefits plan during the pandemic?<\/p>\n\n\n\n<p>We&#8217;ve got something for you. Upcoming webinar: Adjusting to the Pandemic \u2013 Here\u2019s What You Can Do With Your Employee Benefits Plans with eOS,\u00a0<a href=\"https:\/\/employmenthero.com\/en-ca\/pricing\/\">view our information on pricing here,\u00a0<\/a>or click below to book in time to speak with someone.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-nowrap is-layout-flex wp-container-core-buttons-is-layout-2 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\" data-trigger-modal=\"request-a-demo-modal\"><a class=\"wp-block-button__link wp-element-button\">Learn more<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull is-style-default has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--20);padding-bottom:var(--wp--preset--spacing--20)\">\n<div class=\"wp-block-group is-content-justification-space-between is-layout-flex wp-container-core-group-is-layout-15 wp-block-group-is-layout-flex\" style=\"margin-bottom:var(--wp--preset--spacing--10)\">\n<h3 class=\"wp-block-heading\">Related Resources<\/h3>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-link-arrow is-style-link-arrow--3\"><a class=\"wp-block-button__link has-btn-brand-background-color has-background wp-element-button\" href=\"\/resources\/?topic%5B0%5D%5B0%5D=Product\">View all<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-query blog-3-col-query-loop is-layout-flow wp-block-query-is-layout-flow\"><\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Published Updated Contents After much urging from clients and benefits advisors alike, many Canadian benefits carriers recently announced relief measures for businesses. As with most of the COVID-19 circumstances, these measures continue to vary from carrier to carrier, so we urge our clients to pay close attention to the communications that you\u2019re receiving (or already [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":3330,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_visual_mode":"business","_lite_auth_enabled":false,"_lite_auth_trigger_method":"scroll","_lite_auth_scroll_percent":25,"_lite_auth_click_element_query":"","exclude_from_algolia":false,"reading_time":"5 min read","display_reading_time":false,"download_content_type":"","download_file":"","download_url":"","download_cta_label":"","homepage_thumbnail":0,"footnotes":""},"categories":[1],"tags":[],"resource-type":[30],"topic":[97],"learn_topic":[],"industry":[],"audience":[],"business-size":[],"product-tag":[],"funnel-stage":[],"region":[],"pain-point":[],"persona":[],"content_type":[],"post_features":[],"class_list":["post-592","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorised","resource-type-blog","topic-covid"],"_links":{"self":[{"href":"https:\/\/employmenthero.com\/en-ca\/wp-json\/wp\/v2\/posts\/592","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/employmenthero.com\/en-ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/employmenthero.com\/en-ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/employmenthero.com\/en-ca\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/employmenthero.com\/en-ca\/wp-json\/wp\/v2\/comments?post=592"}],"version-history":[{"count":3,"href":"https:\/\/employmenthero.com\/en-ca\/wp-json\/wp\/v2\/posts\/592\/revisions"}],"predecessor-version":[{"id":12825,"href":"https:\/\/employmenthero.com\/en-ca\/wp-json\/wp\/v2\/posts\/592\/revisions\/12825"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/employmenthero.com\/en-ca\/wp-json\/wp\/v2\/media\/3330"}],"wp:attachment":[{"href":"https:\/\/employmenthero.com\/en-ca\/wp-json\/wp\/v2\/media?parent=592"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/employmenthero.com\/en-ca\/wp-json\/wp\/v2\/categories?post=592"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/employmenthero.com\/en-ca\/wp-json\/wp\/v2\/tags?post=592"},{"taxonomy":"resource-type","embeddable":true,"href":"https:\/\/employmenthero.com\/en-ca\/wp-json\/wp\/v2\/resource-type?post=592"},{"taxonomy":"topic","embeddable":true,"href":"https:\/\/employmenthero.com\/en-ca\/wp-json\/wp\/v2\/topic?post=592"},{"taxonomy":"learn_topic","embeddable":true,"href":"https:\/\/employmenthero.com\/en-ca\/wp-json\/wp\/v2\/learn_topic?post=592"},{"taxonomy":"industry","embeddable":true,"href":"https:\/\/employmenthero.com\/en-ca\/wp-json\/wp\/v2\/industry?post=592"},{"taxonomy":"audience","embeddable":true,"href":"https:\/\/employmenthero.com\/en-ca\/wp-json\/wp\/v2\/audience?post=592"},{"taxonomy":"business-size","embeddable":true,"href":"https:\/\/employmenthero.com\/en-ca\/wp-json\/wp\/v2\/business-size?post=592"},{"taxonomy":"product-tag","embeddable":true,"href":"https:\/\/employmenthero.com\/en-ca\/wp-json\/wp\/v2\/product-tag?post=592"},{"taxonomy":"funnel-stage","embeddable":true,"href":"https:\/\/employmenthero.com\/en-ca\/wp-json\/wp\/v2\/funnel-stage?post=592"},{"taxonomy":"region","embeddable":true,"href":"https:\/\/employmenthero.com\/en-ca\/wp-json\/wp\/v2\/region?post=592"},{"taxonomy":"pain-point","embeddable":true,"href":"https:\/\/employmenthero.com\/en-ca\/wp-json\/wp\/v2\/pain-point?post=592"},{"taxonomy":"persona","embeddable":true,"href":"https:\/\/employmenthero.com\/en-ca\/wp-json\/wp\/v2\/persona?post=592"},{"taxonomy":"content_type","embeddable":true,"href":"https:\/\/employmenthero.com\/en-ca\/wp-json\/wp\/v2\/content_type?post=592"},{"taxonomy":"post_features","embeddable":true,"href":"https:\/\/employmenthero.com\/en-ca\/wp-json\/wp\/v2\/post_features?post=592"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}