{"id":1736,"date":"2025-05-30T07:59:32","date_gmt":"2025-05-30T14:59:32","guid":{"rendered":"https:\/\/immixgroup.ca\/blog\/?p=1736"},"modified":"2025-06-29T17:02:14","modified_gmt":"2025-06-30T00:02:14","slug":"self-employed-coverage-options","status":"publish","type":"post","link":"https:\/\/immixgroup.ca\/blog\/2025\/05\/30\/self-employed-coverage-options\/","title":{"rendered":"Not Eligible for Employee Benefits? Four Types of Coverage the Self-Employed Should Consider"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1736\" class=\"elementor elementor-1736\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1c69dbf elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1c69dbf\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5559f46\" data-id=\"5559f46\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-99210f5 elementor-widget elementor-widget-text-editor\" data-id=\"99210f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h4><em>Learn the four essential coverages every freelancer, consultant, and contractor in Canada should know \u2014 and how to get protected fast.<\/em><\/h4><p>by\u00a0<a href=\"https:\/\/www.linkedin.com\/in\/lindsaybyrka\/\" target=\"_blank\" rel=\"noopener\">Lindsay Byrka<\/a>\u00a0| B.A., B.Ed, CFP<strong>\u00ae<\/strong>\u00a0| Vice President<\/p><p>If you\u2019re self-employed in Canada, you may be one illness, dental emergency, or unexpected injury away from a serious financial setback. Without the safety net of employee benefits, even routine health expenses can feel overwhelming.<\/p><p>So, what are your options?<\/p><p>At Immix Group, we work with hundreds of small business owners, contractors, and consultants across Canada \u2014 many of whom don\u2019t qualify for traditional benefit plans. Whether you\u2019re just starting out or managing a thriving independent business, protecting your health, income, and business continuity is one of the smartest investments you can make.<\/p><p>Just because you\u2019re self-employed doesn\u2019t mean you can\u2019t access insurance protection similar to what is offered under an employee benefits program.<\/p><p>You might be a contractor and not eligible for benefits, a self-employed professional, or an owner-operator of a small business.<\/p><p>There are a few key areas where it is important to ensure you have adequate coverage in place. Our focus is on areas that are commonly covered through an employer-sponsored plan, plus the often-overlooked business overhead expense insurance.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-91315bc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"91315bc\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1c59922\" data-id=\"1c59922\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5e2bde9 elementor-widget elementor-widget-text-editor\" data-id=\"5e2bde9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>The Reality for Self-Employed Canadians<\/h2><h5><em>Why Going Without Coverage Can Cost More Than You Think<\/em><\/h5><p>\u00a0<\/p><p>A recent statistic in the March 2025 Labour Force Survey noted that in Canada <a href=\"https:\/\/www150.statcan.gc.ca\/n1\/daily-quotidien\/250404\/dq250404a-eng.htm?indid=3587-2&amp;indgeo=0\" target=\"_blank\" rel=\"noopener\">most self-employed individuals are not covered by health, dental and disability insurance<\/a>, despite experiencing more financial risk than employees and being generally more vulnerable to changing economic conditions.<\/p><p>Specifically, in looking at those who are \u201cincorporated without employees\u201d, around 25% have disability insurance, ~37% have a dental plan, and ~45% have extended healthcare.<\/p><p>It is not surprising that self-employed workers with \u201clarger and more established businesses\u201d are more likely to have insurance in place. However, the number is still under 50%!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-135baca elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"135baca\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4ef45c6\" data-id=\"4ef45c6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a3ddec7 elementor-widget elementor-widget-text-editor\" data-id=\"a3ddec7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><strong>Only 25%<\/strong> of self-employed Canadians have disability insurance<\/li><li><strong>37%<\/strong> have a dental plan<\/li><li><strong>45%<\/strong> have extended health coverage<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-16765ca elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"16765ca\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c5294f2\" data-id=\"c5294f2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c1daa53 elementor-widget elementor-widget-text-editor\" data-id=\"c1daa53\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Extended Health and Dental Care<\/h2><h5><em>What Self-Employed Canadians Need Most \u2014 and Often Miss<\/em><\/h5><p>If you are self-employed, we recommend exploring these key areas:<\/p><ul><li>Extended Health and Dental Care<\/li><li>Health Spending Accounts<\/li><li>Disability Insurance<\/li><li>Business Overhead Expense Insurance<\/li><\/ul><p>While the Immix Group focuses on working with Canadian small and medium sized businesses with employees, many of those in our Client Community are self-employed. Often, we work with these clients to put protections in place similar to those under robust employer-sponsored programs.<\/p><p>Without an employer plan, most people pay out of pocket \u2014 and often overpay.<\/p><p><strong>Extended Health and Dental Care plans are easy to implement <\/strong><\/p><p>This is the most obvious missing piece as this coverage forms the cornerstone of many employee benefit programs. Specifically, the most highly claimed items are:<\/p><ul><li>Prescription drugs<\/li><li>Vision expenses such as glasses and contact lenses<\/li><li>Professional practitioners (massage, physio, chiropractor, mental health therapists etc)<\/li><li>Dental care expenses<\/li><\/ul><p>Many individuals and families without extended health and dental coverage absorb these costs out-of-pocket as the cost per item tends to be low to moderate. However, these expenses can add up, especially if a medical or dental concern arises that requires ongoing treatment. Transferring the risk for these expenses to an insurance provider is prudent financial planning. \u00a0\u00a0<\/p><p>As well, extended health care <a href=\"https:\/\/immixgroup.ca\/blog\/2024\/03\/27\/understanding-travel-insurance\/#:~:text=Travel%20insurance%20is%20a%20common,and\/or%20country%20of%20residence.\">nearly always includes coverage for emergency medical expenses<\/a> incurred while traveling out of country. This is a huge perk and for many people the inclusion of this item alone makes it worth the cost.<\/p><p>Keep in mind with these plans, you are never locked into a long-term contract. You pay month to month and can cancel at any time. If your business grows and you add employees, you may wish to shift to a more formal employee benefits program.<\/p><p>Whether you\u2019re managing family expenses or just want to avoid surprise bills, transferring these risks to a trusted insurance provider can be a smart part of your financial planning.<\/p><h5><strong>Ready to compare your options?<\/strong><\/h5><p><a href=\"https:\/\/www.immixgroup.ca\/individual-health-plans.php\" target=\"_blank\" rel=\"noopener\"><strong>Explore Individual Health Plans Built for Self-Employed Canadians<\/strong><\/a><\/p><p>No pressure \u2014 just a chance to see what\u2019s possible, at your own pace.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ef6d500 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ef6d500\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-743470b\" data-id=\"743470b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9a1a016 elementor-widget elementor-widget-text-editor\" data-id=\"9a1a016\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Health Spending Accounts: a tax-advantaged approach<\/h2><h5><em>Tax-Smart Coverage That Flexes with Your Needs<\/em><\/h5><p>Even if you decide to establish an insured extended health and dental program, you may have medical and dental expenses beyond the reimbursement limits of your plan. This is quite common, with things such as major dental procedures, orthodontics or practitioner visit costs exceeding common coverage limitations. Or, if you don\u2019t have any insured coverage at all for certain items. This is where a Health Spending Account, a form of a <a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/businesses\/topics\/payroll\/benefits-allowances\/private-health-services-plan-premiums\/private-health-services-plan.html\" target=\"_blank\" rel=\"noopener\">private health services plan (PHSP),<\/a> may be a good option.<\/p><p>When structured correctly per the CRA, <a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/individuals\/topics\/about-your-tax-return\/tax-return\/completing-a-tax-return\/deductions-credits-expenses\/lines-33099-33199-eligible-medical-expenses-you-claim-on-your-tax-return.html\" target=\"_blank\" rel=\"noopener\">eligible medical and dental expenses<\/a> and associated administrative costs are deductible to the business. This may offer significant savings compared with paying for the same expenses with after-tax personal dollars.<\/p><p>In a recent article, we provided the <a href=\"https:\/\/immixgroup.ca\/blog\/2025\/04\/01\/health-and-wellness-spending-accounts\/\">\u201c101\u201d on Health Spending Accounts<\/a>. While these are often an employee benefit most commonly acting to supplement an insurance plan, the same concept can be used by self-employed individuals who meet the right criteria. It is important to understand how the CRA views these accounts, to ensure you are onside with all rules.<\/p><p>We are happy to help you navigate whether establishing a Health Spending Account is the right approach for you. Our provider of choice is <a href=\"https:\/\/www.getmyhsa.com\/\" target=\"_blank\" rel=\"noopener\">myHSA<\/a>, where you can find great information on these plans.<\/p><h5><strong>Curious if an HSA is the right fit for your business structure?<\/strong><\/h5><p>\u00a0<a href=\"https:\/\/www.immixgroup.ca\/health-spending-accounts.php\"><strong>Explore Your Options with Immix Group<\/strong><\/a><\/p><p>\u00a0<\/p><h2>Disability insurance is \u201cincome replacement\u201d coverage<\/h2><h5><em>Protecting Your Income When Life Takes a Turn<\/em><\/h5><p>It is referred to as \u201cincome replacement\u201d insurance for a reason.\u00a0 In the event you become sick or injured and you\u2019re no longer able to work, disability insurance provides an ongoing monthly benefit payment intended to replace your lost earnings. For many small business owners or self-employed professionals, staying healthy is essential to the business continuing to produce revenue. \u00a0<\/p><p>If you are self-employed, you may not be eligible for any EI Sickness benefits via Service Canada, to which employees are usually entitled. This provides 55% of weekly earnings, <a href=\"https:\/\/www.canada.ca\/en\/services\/benefits\/ei\/ei-sickness\/benefit-amount.html\" target=\"_blank\" rel=\"noopener\">up to a maximum<\/a>, for up to 26 weeks for eligible applicants. For those who are self-employed, you have to <a href=\"https:\/\/www.canada.ca\/en\/services\/benefits\/ei\/ei-self-employed-workers\/premiums.html\" target=\"_blank\" rel=\"noopener\">opt into this program<\/a> and pay premiums, and meet certain requirements to be eligible.<\/p><p>It\u2019s essential to protect yourself in this area. As we have <a href=\"https:\/\/immixgroup.ca\/blog\/2024\/06\/28\/disability-insurance\/\">written about extensively<\/a> in the past, disability insurance is commonly overlooked and misunderstood, despite how crucial it is to ensure you are adequately covered. It\u2019s a key component of comprehensive group benefits programs. \u00a0If you do not have any form of disability insurance in place, we highly recommend discussing this with a qualified advisor.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e182ff0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e182ff0\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7ff9601\" data-id=\"7ff9601\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bd3a220 elementor-widget elementor-widget-heading\" data-id=\"bd3a220\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Common Questions About Disability Insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a80e79b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a80e79b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-399871a\" data-id=\"399871a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ff3b687 elementor-widget elementor-widget-accordion\" data-id=\"ff3b687\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2671\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2671\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">1.\tWhat happens if I\u2019m self-employed and can\u2019t work due to illness or injury?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2671\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2671\"><p>If you&#8217;re not part of an employee benefits plan, you may have no income support unless you&#8217;ve opted into EI. Disability insurance fills that gap, replacing a portion of your income so you can focus on recovery \u2014 not just bills.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2672\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-2672\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">2.\tIsn\u2019t this only for people in high-risk jobs?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2672\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-2672\"><p>Not at all. Most claims come from everyday issues \u2014 like back injuries, anxiety, or health conditions that affect office workers, creatives, and consultants alike.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2673\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-2673\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">3.\tHow much does disability insurance cost?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2673\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-2673\"><p>It depends on your age, income, and coverage preferences \u2014 but many clients are surprised at how affordable it is. Often, it costs less than expected and can save you from months of lost income.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2674\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-2674\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">4.\tWhat\u2019s typically covered?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2674\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-2674\"><p>If you&#8217;re medically unable to work, your plan provides monthly payments to help you manage life\u2019s essentials \u2014 rent, groceries, business expenses, and more.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2675\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-2675\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">5.\tHow do I know what level of coverage I need?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2675\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-2675\"><p>That\u2019s where we come in. At Immix Group, we\u2019ll walk you through the options and help you find coverage that matches your needs \u2014 without overpaying.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"1.\\tWhat happens if I\\u2019m self-employed and can\\u2019t work due to illness or injury?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>If you&#8217;re not part of an employee benefits plan, you may have no income support unless you&#8217;ve opted into EI. Disability insurance fills that gap, replacing a portion of your income so you can focus on recovery \\u2014 not just bills.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"2.\\tIsn\\u2019t this only for people in high-risk jobs?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Not at all. Most claims come from everyday issues \\u2014 like back injuries, anxiety, or health conditions that affect office workers, creatives, and consultants alike.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"3.\\tHow much does disability insurance cost?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>It depends on your age, income, and coverage preferences \\u2014 but many clients are surprised at how affordable it is. Often, it costs less than expected and can save you from months of lost income.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"4.\\tWhat\\u2019s typically covered?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>If you&#8217;re medically unable to work, your plan provides monthly payments to help you manage life\\u2019s essentials \\u2014 rent, groceries, business expenses, and more.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"5.\\tHow do I know what level of coverage I need?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>That\\u2019s where we come in. At Immix Group, we\\u2019ll walk you through the options and help you find coverage that matches your needs \\u2014 without overpaying.<\\\/p>\"}}]}<\/script>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-24c41d8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"24c41d8\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7b075f5\" data-id=\"7b075f5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-200a45f elementor-widget elementor-widget-text-editor\" data-id=\"200a45f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5><strong>Want to see how disability coverage could protect your income?<\/strong><\/h5><p><a href=\"https:\/\/www.immixgroup.ca\/individual-health-plans.php\">\u00a0<strong>Explore Individual Disability Plans with Immix Group<\/strong><\/a><\/p><p>It\u2019s simpler and more flexible than you might think.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c62cb13 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c62cb13\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-531c4d6\" data-id=\"531c4d6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a91a14d elementor-widget elementor-widget-text-editor\" data-id=\"a91a14d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Business Overhead Expense Insurance \u00a0<\/h2><h5><em>What Is BOE Insurance \u2014 and Who Needs It?<\/em><\/h5><p>\u00a0<\/p><p>For business owners, a product exists called Business Overhead Expense (BOE) insurance which is exactly as it sounds: BOE covers ongoing fixed expenses such as rent, utilities and property taxes.<\/p><p><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/business-insurance\/business-overhead-insurance\/\" target=\"_blank\" rel=\"noopener\">RBC Insurance provides this coverage<\/a>, which is for those whose income depends on their \u2018personal and regular attention\u2019 to duties and who bear the cost of maintaining the expenses named above. The policy pays while you are disabled (per the contract wording) and therefore unable to continue in your business and generate income. While BOE is similar individual disability insurance in that the triggering event for payment is becoming disabled, the key difference is BOE is designed to cover the business\u2019s operating expenses while individual disability coverage is intended to replace personal income.<\/p><p>Business owners can be considered, and loosely speaking, up to 10 employees although the requirement is that the loss of the insured is deemed to have an economic impact (i.e. other employees could not just take over and maintain revenue). Typical examples are doctors, lawyers, accountants or the principal owner\/operator of a closely held business.<\/p><h4>How It Works<\/h4><ul><li>You become medically unable to work<\/li><li>You make a claim and if medically approved<\/li><li>Your BOE policy kicks in<\/li><li>It pays the bills that keep your office open until you can return<\/li><\/ul><p>You can think of it as business continuity protection \u2014 helping ensure that the business you\u2019ve built doesn\u2019t go on pause just because you need to.<\/p><p>\u00a0<\/p><h2>Why are more self-employed individuals and small business owners not insuring themselves?<\/h2><h5><em>The Truth: It\u2019s Easier \u2014 and More Affordable \u2014 Than You Might Think<\/em><\/h5><p>\u00a0<\/p><p>People are quick to ensure professional liability insurance is in place, and that their physical premises or any needed equipment are insured. So why not these areas? The primary reasons people state for not pursuing insurance are \u201ccost and complexity.\u201d<\/p><p><a href=\"https:\/\/www.immixgroup.ca\/about-us.php\">The Immix Group<\/a> is an independent, Canadian small business and we work closely with hundreds of small businesses- we understand the need to carefully consider all costs. However, it can be far less expensive than you think to put in place these protections. Working with an advisor to gain an idea as to the cost of various scenarios is a good starting point.<\/p><p>Concerned about complexity? That\u2019s what qualified advisors do best: make things simple and understandable.<\/p><p>\u00a0<\/p><h2>Smart Planning Starts with a Conversation<\/h2><p>Insurance isn\u2019t just about checking a box \u2014 it\u2019s about protecting what you\u2019ve built.<\/p><p>At Immix Group, we believe that including coverage for your health, income, and business operations is simply smart business planning. Whether you\u2019re just starting your self-employed journey or scaling an established practice, the right protection can offer peace of mind and long-term stability.<\/p><p>You don\u2019t have to figure it out alone \u2014 we\u2019re here to help you navigate the options, make sense of the fine print, and choose a plan that fits your needs and budget.<\/p><h5><strong>Have questions or ready to take the next step?<\/strong><br \/><a href=\"https:\/\/www.immixgroup.ca\/contact.php\">Connect with our team today<\/a> \u2014 we\u2019d love to hear from you.<\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ce598a2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ce598a2\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c6d69f4\" data-id=\"c6d69f4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f725919 elementor-widget elementor-widget-text-editor\" data-id=\"f725919\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Key Takeaways for Self-Employed Canadians<\/h3><p>Many self-employed professionals and contractors go without the kind of insurance coverage that\u2019s typically built into employee benefits \u2014 leaving them financially vulnerable to health expenses, dental costs, or income loss due to illness.<\/p><p>In fact, fewer than half have any coverage at all:<\/p><ul><li><strong>45%<\/strong> have extended health care<\/li><li><strong>37%<\/strong> have dental insurance<\/li><li>Only <strong>25%<\/strong> carry disability protection<\/li><\/ul><p>That\u2019s a big gap, especially considering the higher financial risk that comes with working independently.<\/p><p>Here\u2019s what you need to know:<\/p><ul><li><strong>Extended Health and Dental Care<\/strong> is a strong starting point. It can cover essentials like prescriptions, vision care, dental work, and visits to practitioners like physiotherapists and mental health therapists \u2014 including emergency medical travel.<\/li><li><strong>Health Spending Accounts (HSAs)<\/strong> offer a tax-smart way to manage eligible medical and dental costs, either on their own or as a supplement to insured plans.<\/li><li><strong>Disability Insurance<\/strong> helps replace your income if you can\u2019t work due to illness or injury \u2014 particularly important for those who may not qualify for EI Sickness Benefits.<\/li><li><strong>Business Overhead Expense (BOE) Insurance<\/strong> ensures your business bills (rent, internet, utilities) are covered if you\u2019re temporarily unable to run things yourself.<\/li><\/ul><p>So, what holds people back?<\/p><p>Most often, it\u2019s the <strong>perception<\/strong> that insurance is too expensive or too complex. The truth? Many plans are simpler \u2014 and more affordable \u2014 than you might think.<\/p><p>With the right guidance, you can put flexible, easy-to-understand coverage in place that fits your life, your work, and your budget.<\/p><p>Because smart insurance planning isn\u2019t just about protection \u2014 it\u2019s about peace of mind for your family, your income, and your future.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-07e4b9d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"07e4b9d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-aee5555\" data-id=\"aee5555\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e6aaf23 elementor-widget elementor-widget-heading\" data-id=\"e6aaf23\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">FAQs About Insurance for Self-Employed Canadians<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8d6d138 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8d6d138\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-bd36eba\" data-id=\"bd36eba\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-673f1c8 elementor-widget elementor-widget-accordion\" data-id=\"673f1c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1081\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1081\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">1. I'm self-employed \u2014 can I still get health and dental insurance?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1081\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1081\"><p>Yes. Even if you&#8217;re not eligible for an employee benefits plan, you can get extended health and dental insurance privately. This type of coverage helps pay for things like prescription drugs, dental, vision care, and visits to practitioners like chiropractors, massage therapists and physiotherapists.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1082\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1082\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">2. What is a Health Spending Account (HSA) and how does it help me?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1082\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1082\"><p>An HSA is a tax-advantaged way to adjudicate CRA-eligible medical and dental expenses. If set up properly, you can deduct these costs through your business. This will save you money compared to paying out-of-pocket personally.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1083\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1083\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">3. Why should I consider disability insurance if I\u2019m self-employed?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1083\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1083\"><p>Disability insurance protects your income if you become sick or injured and can\u2019t work. This is a common inclusion under employee benefits programs in Canada.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1084\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-1084\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">4. What is Business Overhead Expense (BOE) insurance?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1084\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-1084\"><p>BOE insurance helps cover fixed business expenses (like rent and utilities) if you can\u2019t work due to disability. It\u2019s especially useful for professionals or small business owners who play a key role in keeping their business running.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1085\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-1085\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">5. Is insurance expensive or complicated for self-employed people?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1085\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-1085\"><p>Not necessarily. Many plans are more affordable than expected, and generally speaking, you can cancel or adjust them anytime. Qualified benefits advisors like those of us at the Immix Group can help simplify the process and find the right coverage for your needs and budget.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"1. I'm self-employed \\u2014 can I still get health and dental insurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Yes. Even if you&#8217;re not eligible for an employee benefits plan, you can get extended health and dental insurance privately. This type of coverage helps pay for things like prescription drugs, dental, vision care, and visits to practitioners like chiropractors, massage therapists and physiotherapists.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"2. What is a Health Spending Account (HSA) and how does it help me?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>An HSA is a tax-advantaged way to adjudicate CRA-eligible medical and dental expenses. If set up properly, you can deduct these costs through your business. This will save you money compared to paying out-of-pocket personally.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"3. Why should I consider disability insurance if I\\u2019m self-employed?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Disability insurance protects your income if you become sick or injured and can\\u2019t work. This is a common inclusion under employee benefits programs in Canada.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"4. What is Business Overhead Expense (BOE) insurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>BOE insurance helps cover fixed business expenses (like rent and utilities) if you can\\u2019t work due to disability. It\\u2019s especially useful for professionals or small business owners who play a key role in keeping their business running.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"5. Is insurance expensive or complicated for self-employed people?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Not necessarily. Many plans are more affordable than expected, and generally speaking, you can cancel or adjust them anytime. Qualified benefits advisors like those of us at the Immix Group can help simplify the process and find the right coverage for your needs and budget.<\\\/p>\"}}]}<\/script>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b5bff49 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b5bff49\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4887917\" data-id=\"4887917\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-28e1014 elementor-widget elementor-widget-text-editor\" data-id=\"28e1014\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><strong>Further Reading &amp; Trusted Resources<\/strong><\/h2><p>Looking to explore the data or dive deeper into how benefits impact self-employed Canadians? These trusted sources offer valuable context:<\/p><p><a href=\"https:\/\/www150.statcan.gc.ca\/n1\/pub\/71-543-g\/71-543-g2025001-eng.htm?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noopener\">Statistics Canada<\/a><\/p><p>A national snapshot showing how few self-employed Canadians are covered by insurance \u2014 and why that matters.<\/p><p><a href=\"https:\/\/www150.statcan.gc.ca\/n1\/daily-quotidien\/250404\/dq250404a-eng.htm?indid=3587-2&amp;indgeo=0\" target=\"_blank\" rel=\"noopener\">The Daily\u00a0\u2014\u00a0Labour Force Survey, March 2025<\/a><\/p><p>New 2025 Data Reveals Majority of Self-Employed Canadians Lack Basic Insurance Coverage<\/p><p><a href=\"https:\/\/www.theglobeandmail.com\/business\/careers\/article-more-canadians-need-disability-leave-and-fewer-have-coverage\/\" target=\"_blank\" rel=\"noopener\">More Canadians need disability leave and fewer have coverage &#8211; The Globe and Mail<\/a><\/p><p>A revealing look at rising disability needs and gaps in coverage across Canada\u2019s workforce.<\/p><p><a href=\"https:\/\/www150.statcan.gc.ca\/n1\/daily-quotidien\/250404\/cg-a004-eng.htm\" target=\"_blank\" rel=\"noopener\">Incorporated self-employed workers with employees more likely to be covered by private insurance in March<\/a><\/p><p>Data showing that even incorporated professionals often lack sufficient protection.<\/p><p><a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/businesses\/topics\/payroll\/benefits-allowances\/private-health-services-plan-premiums\/private-health-services-plan.html\" target=\"_blank\" rel=\"noopener\">Private Health Services Plan &#8211; Canada.ca<\/a><\/p><p>CRA guidance on how HSAs work for small business owners.<\/p><p><a href=\"https:\/\/www.canada.ca\/en\/services\/benefits\/ei\/ei-sickness\/benefit-amount.html\" target=\"_blank\" rel=\"noopener\">EI Sickness Benefit &#8211; How much you could receive &#8211; Canada.ca<\/a><\/p><p>Check your eligibility and potential income support if you can\u2019t work due to illness.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c83a3c3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c83a3c3\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7829ab3\" data-id=\"7829ab3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1b40ba7 elementor-widget elementor-widget-text-editor\" data-id=\"1b40ba7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Ready to Explore What Coverage Could Look Like for You?<\/h2><p>\u00a0<\/p><p>We know it\u2019s a lot to take in. That\u2019s why we\u2019re here \u2014 to help you navigate your options, simplify the process, and find coverage that fits your life, your work, and your budget.<\/p><p>Whether you\u2019re just getting started or want a second look at your current setup, we\u2019re happy to help \u2014 no pressure, just personalized support.<\/p><h5><strong>Start exploring health, dental, and income protection plans today:<\/strong><\/h5><p><a href=\"https:\/\/www.immixgroup.ca\/individual-health-plans.php\"><strong>Visit Our Individual Plans Page<\/strong><\/a><\/p><p>Or, if you\u2019d rather talk it through:<br \/><a href=\"https:\/\/www.immixgroup.ca\/contact.php\"><strong>Connect with Our Team<\/strong><\/a> \u2014 we love to hear from you.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f704218 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f704218\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-adddccb\" data-id=\"adddccb\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b026251 elementor-widget elementor-widget-global elementor-global-230 elementor-widget-image\" data-id=\"b026251\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"640\" height=\"960\" src=\"https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2026\/03\/260114-259xx-683x1024.avif\" class=\"attachment-large size-large wp-image-1957\" alt=\"Lindsay Byrka\" srcset=\"https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2026\/03\/260114-259xx-683x1024.avif 683w, https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2026\/03\/260114-259xx-200x300.avif 200w, https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2026\/03\/260114-259xx-768x1152.avif 768w, https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2026\/03\/260114-259xx.avif 1000w\" sizes=\"(max-width: 640px) 100vw, 640px\" title=\"\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-c4a46d8\" data-id=\"c4a46d8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-78f0d53 elementor-widget elementor-widget-global elementor-global-233 elementor-widget-text-editor\" data-id=\"78f0d53\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span class=\"cert\"><a id=\"ember1416\" class=\"active ember-view pv-verified-info-modal__vieweetitle\" href=\"https:\/\/www.linkedin.com\/in\/lindsaybyrka\/?lipi=urn%3Ali%3Apage%3Ad_flagship3_profile_verification_details%3B%2BiISPezIQvaydOw%2F7NcoTA%3D%3D\" data-ntt-old-href=\"\/in\/lindsaybyrka\/\" data-artdeco-is-focused=\"true\" target=\"_blank\" rel=\"noopener\">Lindsay Byrka, CFP\u00ae<\/a> BA, BEd<\/span><\/h3><p>Vice President, Immix Group: An Employee Benefits Company<br \/><strong>A<\/strong>\u00a0<a href=\"https:\/\/www.google.com\/maps\/embed?pb=!1m18!1m12!1m3!1d2602.5699178039927!2d-123.12053598382099!3d49.28454617855886!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0x54867181f97930d5%3A0x9797e526e8704198!2s888%20Dunsmuir%20St%20%23450%2C%20Vancouver%2C%20BC%20V6C%203K4!5e0!3m2!1sen!2sca!4v1583124389424!5m2!1sen!2sca\" target=\"new\" rel=\"noopener\">Suite 450 &#8211; 888 Dunsmuir St. Vancouver V6C 3K4<\/a><br \/><strong>O<\/strong>\u00a0 <a href=\"tel:6046885262\">604-688-5262<\/a><strong>\u00a0<\/strong><\/p><p><strong>E<\/strong>\u00a0<a href=\"mailto:lindsay@immixgroup.ca\">lindsay@immixgroup.ca<\/a><br \/><strong>W<\/strong>\u00a0<a href=\"http:\/\/www.immixgroup.ca\/\">www.immixgroup.ca<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7413ad2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7413ad2\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0e3f8f0\" data-id=\"0e3f8f0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dc6d379 elementor-share-buttons--view-icon-text elementor-share-buttons--skin-gradient elementor-share-buttons--shape-square elementor-grid-0 elementor-share-buttons--color-official elementor-widget elementor-widget-share-buttons\" data-id=\"dc6d379\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-grid\" role=\"list\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_facebook\" role=\"button\" tabindex=\"0\" aria-label=\"Share on facebook\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-facebook\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-share-btn__text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__title\">\n\t\t\t\t\t\t\t\t\t\tFacebook\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_twitter\" role=\"button\" tabindex=\"0\" aria-label=\"Share on twitter\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-twitter\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-share-btn__text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__title\">\n\t\t\t\t\t\t\t\t\t\tTwitter\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_linkedin\" role=\"button\" tabindex=\"0\" aria-label=\"Share on linkedin\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-linkedin\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-share-btn__text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__title\">\n\t\t\t\t\t\t\t\t\t\tLinkedIn\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-851c751 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"851c751\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c16f5aa\" data-id=\"c16f5aa\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e6300f4 elementor-post-navigation-borders-yes elementor-widget elementor-widget-post-navigation\" data-id=\"e6300f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-navigation.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-post-navigation\" role=\"navigation\" aria-label=\"Post Navigation\">\n\t\t\t<div class=\"elementor-post-navigation__prev elementor-post-navigation__link\">\n\t\t\t\t<a href=\"https:\/\/immixgroup.ca\/blog\/2025\/05\/02\/unmasking-mental-health\/\" rel=\"prev\"><span class=\"post-navigation__arrow-wrapper post-navigation__arrow-prev\"><i aria-hidden=\"true\" class=\"fas fa-angle-left\"><\/i><span class=\"elementor-screen-only\">Prev<\/span><\/span><span class=\"elementor-post-navigation__link__prev\"><span class=\"post-navigation__prev--label\">Previous<\/span><span class=\"post-navigation__prev--title\">Unmasking Mental Health: From Awareness to Action<\/span><\/span><\/a>\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-post-navigation__separator-wrapper\">\n\t\t\t\t\t<div class=\"elementor-post-navigation__separator\"><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-post-navigation__next elementor-post-navigation__link\">\n\t\t\t\t<a href=\"https:\/\/immixgroup.ca\/blog\/2025\/06\/29\/a-better-way-to-do-benefits\/\" rel=\"next\"><span class=\"elementor-post-navigation__link__next\"><span class=\"post-navigation__next--label\">Next<\/span><span class=\"post-navigation__next--title\">A Better Way to Do Benefits<\/span><\/span><span class=\"post-navigation__arrow-wrapper post-navigation__arrow-next\"><i aria-hidden=\"true\" class=\"fas fa-angle-right\"><\/i><span class=\"elementor-screen-only\">Next<\/span><\/span><\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8549a67 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8549a67\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-bb52eec\" data-id=\"bb52eec\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2df17c2 elementor-widget elementor-widget-heading\" data-id=\"2df17c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Latest Insights<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b5c33b0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b5c33b0\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-29ac970\" data-id=\"29ac970\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d906da8 elementor-grid-1 elementor-posts--thumbnail-none elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-card-shadow-yes elementor-posts__hover-gradient elementor-widget elementor-widget-posts\" data-id=\"d906da8\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;cards_columns&quot;:&quot;1&quot;,&quot;pagination_type&quot;:&quot;numbers_and_prev_next&quot;,&quot;cards_columns_tablet&quot;:&quot;2&quot;,&quot;cards_columns_mobile&quot;:&quot;1&quot;,&quot;cards_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:35,&quot;sizes&quot;:[]},&quot;cards_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;cards_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.cards\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-cards elementor-grid\" role=\"list\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-1543 post type-post status-publish format-standard has-post-thumbnail hentry category-emloyee-benefits category-employee-benefits-plans category-employee-group-savings-plan tag-benefits-customization tag-broker-managed-benefits-pool tag-cost-containment-strategies tag-employee-benefits tag-employee-financial-health tag-employee-well-being tag-employer-sponsored-benefits tag-financial-education tag-financial-literacy tag-financial-literacy-workshops tag-financial-wellness tag-group-benefits-plans tag-group-savings-programs tag-immix-group tag-innovative-benefits-pricing tag-tailored-benefits-solutions tag-vancouver-employee-benefits tag-workforce-productivity tag-workplace-financial-health\" role=\"listitem\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/immixgroup.ca\/blog\/2024\/12\/01\/your-one-stop-guide-exploring-key-themes-in-employee-benefits\/\">\n\t\t\t\tYour One-Stop Guide: Exploring Key Themes in Employee Benefits\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>A Guide to Immix Insights Articles Are you wondering what we\u2019ve been writing about? Perhaps you haven\u2019t had time to read the articles, but you\u2019re hoping to gain some information<\/p>\n\t\t<\/div>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/immixgroup.ca\/blog\/2024\/12\/01\/your-one-stop-guide-exploring-key-themes-in-employee-benefits\/\" aria-label=\"Read more about Your One-Stop Guide: Exploring Key Themes in Employee Benefits\" tabindex=\"-1\">\n\t\t\tRead More \u00bb\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\tDecember 1, 2024\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t<div class=\"e-load-more-anchor\" data-page=\"1\" data-max-page=\"4\" data-next-page=\"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts\/1736\/page\/2\/\"><\/div>\n\t\t\t\t<nav class=\"elementor-pagination\" aria-label=\"Pagination\">\n\t\t\t<span class=\"page-numbers prev\">&laquo; Previous<\/span>\n<span aria-current=\"page\" class=\"page-numbers current\"><span class=\"elementor-screen-only\">Page<\/span>1<\/span>\n<a class=\"page-numbers\" href=\"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts\/1736\/page\/2\/\"><span class=\"elementor-screen-only\">Page<\/span>2<\/a>\n<a class=\"page-numbers\" href=\"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts\/1736\/page\/3\/\"><span class=\"elementor-screen-only\">Page<\/span>3<\/a>\n<a class=\"page-numbers\" href=\"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts\/1736\/page\/4\/\"><span class=\"elementor-screen-only\">Page<\/span>4<\/a>\n<a class=\"page-numbers next\" href=\"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts\/1736\/page\/2\/\">Next &raquo;<\/a>\t\t<\/nav>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Learn the four essential coverages every freelancer, consultant, and contractor in Canada should know \u2014 and how to get protected fast. by\u00a0Lindsay Byrka\u00a0| B.A., B.Ed, CFP\u00ae\u00a0| Vice President If you\u2019re self-employed in Canada, you may be one illness, dental emergency, or unexpected injury away from a serious financial setback. Without the safety net of employee [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1737,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14,176,175],"tags":[],"class_list":["post-1736","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-emloyee-benefits","category-financial-wellness","category-self-employed-benefits"],"_links":{"self":[{"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts\/1736","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/comments?post=1736"}],"version-history":[{"count":14,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts\/1736\/revisions"}],"predecessor-version":[{"id":1758,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts\/1736\/revisions\/1758"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/media\/1737"}],"wp:attachment":[{"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/media?parent=1736"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/categories?post=1736"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/tags?post=1736"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}