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FOR EMPLOYERS

Flexible Benefits That Work as Hard as Your Team

Support your team with flexible, meaningful benefits — and make smart use of your business dollars while you're at it.

Whether you're building a full benefits package or adding targeted support, Health and Lifestyle Spending Accounts offer a powerful, customizable solution.

How It Works

Why National HealthClaim?

  • No HR headaches.

    From claims to compliance, our team has it covered. Your employees get answers, you stay worry-free.

  • Benefits That Grow With You

    As your business evolves, a dedicated HSA gives you more than flexibility — it gives you independence from traditional carriers. Control costs, adapt to your team’s changing needs, and offer benefits that truly reflect your company’s culture and priorities.

  • Built for Security & Privacy

    Each employee gets their own secure portal, and admin accounts have separate access to plan settings, usage reports, and company-wide data. Expenses stay confidential.

  • No Premiums, No Waste

    Smarter, cost-effective benefits, Our pay-per-claim model means you only fund what's used. Employees use other insurance (if they have) first — helping you lower costs and stretch every benefit dollar.

  • Effortless Mobile Claims

    Submit receipts in seconds with our ClaimSnap app — just snap a photo and you’re done. No forms, no typing, no data entry. Even dependents can submit from their own devices.

  • Real People, Real Support

    Questions? We've got your back. Our support team is always available to guide you, your team, and your employees — no confusing portals, no phone tag.

HSA vs LSA:
What’s the difference?

  • Health Spending Account (HSA)

    Eligible Expenses: An HSA is a flexible health benefit account that reimburses employees for a wide range of medical and healthcare costs. The CRA determines which expenses are eligible, such as:

    🦷 Dental care (cleanings, braces, major procedures)

    👓 Vision (glasses, contacts, laser eye surgery)

    🧠 Mental health (therapy, counselling, psychology)

    💊 Medical expenses (prescriptions, paramedical, devices)

    Tax Treatment (Employer): 100% tax-deductible business expense

    Tax Treatment (Employee): Non-taxable

    CRA-Compliant: Yes

    Ideal Use: Core or supplemental health coverage

  • Lifestyle Spending Account (LSA)

    Eligible Expenses: Think of LSAs as a flexible perk wallet. Employers set the rules, and employees choose what matters most to them — whether that’s:

    🏋️ Fitness & wellness (gyms, yoga, sports leagues)

    🧘 Mental well-being (meditation, apps, retreats)

    📚 Professional growth (courses, conferences, training)

    🚲 Lifestyle perks (commuting, childcare, hobbies)

    Tax Treatment (Employer): 100% tax-deductible business expense

    Tax Treatment (Employee): Taxable income

    CRA-Compliant: Yes (as taxable benefit)

    Ideal Use: Add-on lifestyle perks

Explore Our Solutions

See how we bring together HSAs, LSAs, and Complete Protection into seamless, flexible employee benefits packages — maximizing value for you and your team.

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