{"id":1936,"date":"2026-03-02T10:10:54","date_gmt":"2026-03-02T18:10:54","guid":{"rendered":"https:\/\/immixgroup.ca\/blog\/?p=1936"},"modified":"2026-03-02T21:08:56","modified_gmt":"2026-03-03T05:08:56","slug":"employee-benefits-fraud-in-canada","status":"publish","type":"post","link":"https:\/\/immixgroup.ca\/blog\/2026\/03\/02\/employee-benefits-fraud-in-canada\/","title":{"rendered":"Employee Benefits Fraud in Canada"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1936\" class=\"elementor elementor-1936\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b73016b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b73016b\" 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-e187b70\" data-id=\"e187b70\" 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-fa23e43 elementor-widget elementor-widget-html\" data-id=\"fa23e43\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!-- ScrollMeta \u2014 Immix Blog (Fraud Prevention Month) -->\n<div class=\"scrollmeta\" hidden aria-hidden=\"true\"\n  data-sm-site=\"immixgroup.ca\"\n  data-sm-content-type=\"blog_article\"\n  data-sm-page-intent=\"education+trust+prevention\"\n  data-sm-primary-topic=\"employee-benefits-fraud-canada\"\n  data-sm-audience=\"employers,hr-leaders,finance-leaders,plan-administrators\"\n  data-sm-author=\"Lindsay Byrka, CFP\u00ae\"\n  data-sm-author-url=\"https:\/\/www.linkedin.com\/in\/lindsaybyrka\/\"\n  data-sm-primary-cta=\"contact\"\n  data-sm-conversion-paths=\"contact,get-a-quote\"\n  data-sm-section=\"intro+context\"\n><\/div>\n\n<section class=\"immix-article__section immix-article__section--intro\" aria-label=\"Article intro\">\n  <header class=\"immix-article__header\">\n    <h1 class=\"immix-article__title\">Employee Benefits Fraud in Canada: Awareness, Impact &amp; Prevention<\/h1>\n\n    <div class=\"immix-author\" role=\"group\" aria-label=\"Article author\">\n      <p class=\"immix-author__bio\">\n        Lindsay Byrka, CFP\u00ae is Vice President at the Immix Group. She partners with employers to source and manage group life and health plans, and group savings and retirement plans, working with Canada\u2019s leading insurers to support transparent pricing and flexible plan design.\n        <a href=\"https:\/\/www.linkedin.com\/in\/lindsaybyrka\/\" target=\"_blank\" rel=\"noopener\">LinkedIn<\/a>.\n      <\/p>\n    <\/div>\n  <\/header>\n\n  <div class=\"immix-article__content\">\n    <p>March is Fraud Prevention Month in Canada. Did you know that insurance fraud in Canada is estimated in the billions annually? A portion of that occurs within employer-sponsored group benefits. Industry sources have long suggested that benefits fraud may represent anywhere from 2\u201310% of total claims (estimates vary and are difficult to measure precisely). <\/p>\n\n    <p>The financial impact is direct. For most benefit plans, premiums are driven directly by claims experience. Every dollar paid out for an invalid claim, is a dollar that ultimately flows back into renewal calculations.<\/p>\n\n    <h2 id=\"who-is-committing-benefits-fraud\">Who is committing benefits fraud?<\/h2>\n\n    <p>More frequently than you might believe, we receive one of the dreaded notices: \u201cWe\u2019re sorry to inform you that our auditors have discovered fraudulent claiming activities by a plan member.\u201d<\/p>\n\n    <p>Despite how often we learn of fraud, we are always somewhat dumbfounded. It is often who you least expect (i.e. high-income professionals). Usually the amounts are small \u2014 $100 here, $150 there \u2014 but the behaviour is deliberate and surprisingly casual.<\/p>\n\n    <p>People speak openly about vendors who will \u201ccreate a receipt.\u201d One classic example? Receiving designer sunglasses (not prescription!)  with an eyeglass receipt. Most individuals would never fabricate a receipt themselves \u2014 yet they barely blink at accepting what is, in effect, a falsified one. We often learn of this here in Vancouver, but also with clients across all provinces. It\u2019s unfortunately common. <\/p>\n\n    <p>In one recent case in Ontario, a plan member submitted massage therapy claims for appointments that never occurred. The fraud was uncovered when analytics showed the same practitioner had already billed for treating a different patient \u2014 under a different employer\u2019s plan \u2014 at the exact same time. It was quickly determined that one of the plan members was guilty of submitting false claims. <\/p>\n  <\/div>\n<\/section>\n<!-- ScrollMeta \u2014 Section: Why people risk fraud + examples + prevention -->\n<div class=\"scrollmeta\" hidden aria-hidden=\"true\"\n  data-sm-site=\"immixgroup.ca\"\n  data-sm-content-type=\"blog_article\"\n  data-sm-primary-topic=\"employee-benefits-fraud-canada\"\n  data-sm-section=\"why-risk-fraud+examples+cost-impact+prevention\"\n  data-sm-aeo-blocks=\"reasons_list,examples_list,cost_bullets,prevention_actions\"\n><\/div>\n\n<section class=\"immix-article__section immix-article__section--why\" aria-label=\"Why plan members risk benefits fraud\">\n  <div class=\"immix-article__content\">\n\n    <h2 id=\"why-would-plan-members-risk-benefits-fraud\">Why would plan members risk benefits fraud?<\/h2>\n\n    <p>If someone believed there was very little chance of getting caught, would they submit a claim for $100 for a service they never received? For some, the answer is yes. Benefits fraud here in Canada is often rationalized as minor \u2014 more like speeding or jaywalking than theft. It can feel technical, harmless, even commonplace.<\/p>\n\n    <p>But benefit plan fraud is not minor. The well-known Toronto Transit Commission fraud case led to more than 200 employee dismissals and multiple criminal convictions including jail time.<\/p>\n\n    <p>In this case, an orthotics provider issued receipts to TTC employees for either inflated amounts or without delivering a product or service. The orthotics store then split the insurance payments with the plan member. It was only discovered through a tip to the TTC. The TTC even sued the insurance provider, blaming them for not discovering the fraud.  The consequences can be serious and career-altering. So why do people do it?<\/p>\n\n    <h3 id=\"common-reasons-people-commit-benefits-fraud\">Common reasons people commit benefits fraud include:<\/h3>\n    <ul>\n      <li>They believe they won\u2019t get caught. The amounts seem small and low-risk.<\/li>\n      <li>They view it as minor, \u201cnot a big deal.\u201d It doesn\u2019t feel like real fraud.<\/li>\n      <li>Others are doing it, and it seems commonplace.<\/li>\n      <li>They feel entitled. A belief that they are \u201cowed\u201d something from the plan.<\/li>\n      <li>They misunderstand who pays. Many don\u2019t realize it\u2019s ultimately their employer \u2014 not just an insurer \u2014 absorbing the cost.<\/li>\n      <li>Ease of submission. Digital claims processes and providers that don\u2019t require receipts can create a false sense of security and anonymity.<\/li>\n    <\/ul>\n\n    <p>In reality, fraud detection systems are sophisticated, and any claim can trigger an investigation.<\/p>\n\n    <h2 id=\"who-commits-benefits-fraud-and-what-does-this-look-like\">Who commits benefits fraud and what does this look like?<\/h2>\n\n    <p>Fraud can be committed by plan members, by providers, through collusion between providers and claimants, or by third party bad actors.<\/p>\n\n    <h3 id=\"examples-of-health-dental-and-disability-fraud\">Examples of Health, Dental and Disability Fraud<\/h3>\n    <ul>\n      <li>Billing for services not rendered- the plan member never received the services, yet they submit a claim using a real practitioner\u2019s details, in order to receive back funds<\/li>\n      <li>Claims submitted under a licensed provider\u2019s name when services were delivered by someone else (i.e. an unlicensed practitioner).<\/li>\n      <li>Inflated procedure codes- the dental office bills the insurer for more time than they actually took, or more expensive procedure codes than the actual services.<\/li>\n      <li>Coverage \u2018stacking\u2019- one member of a family has maxed out their annual limit, so the provider now submits the claim under a dependent\u2019s name instead.<\/li>\n      <li>Dual coverage abuse- submitting the same claim to multiple plans, without acknowledging payment from the other plan (i.e. being reimbursed twice for the same service). Not following COB rules.<\/li>\n      <li>Ineligible dependents posing as eligible dependents (i.e. listing a niece, nephew as dependent child).<\/li>\n      <li>Organized provider fraud rings- accessing benefits programs via employees at provider offices (i.e. the TTC incident)<\/li>\n      <li>For disability claims, misrepresenting your ability to work, the extent of your injuries, or undisclosed employment while receiving disability benefits are all examples of benefits fraud.<\/li>\n    <\/ul>\n\n    <h2 id=\"how-does-benefits-fraud-negatively-impact-employee-benefit-program-costs\">How does benefits fraud negatively impact employee benefit program costs?<\/h2>\n\n    <p>At the Immix Group, we spend a lot of time explaining pricing to employers in our Client Community, and coming up with strategies to provide comprehensive benefits, but with sustainable pricing. Our clients understand that claims (relative to premiums paid) are an important factor in pricing for most traditional SMB benefit plans.<\/p>\n\n    <p>In short, when money is paid out to people and practitioners for services and supplies that were not rendered or under other invalid circumstances, it drives program costs.<\/p>\n\n    <ul>\n      <li>Fraud increases claims costs, which drives the incurred loss ratios on the plan (ratio of the claims paid out, to the premiums collected)<\/li>\n      <li>Higher incurred loss ratios result in premiums increasing.<\/li>\n      <li>Less money is available to pay for true expenses. Employers must absorb increases or make plan design changes to reduce costs.<\/li>\n      <li>The added cost of needing to audit, track, police, invest in technology etc. just to prevent and identify fraud additionally drives administrative costs industry-wide.<\/li>\n    <\/ul>\n\n    <p>Ultimately, employers absorb much of the impact, as they are primary funders of benefit programs. Employees are also impacted if there is cost-sharing for the benefits premiums. Fortunately, the insurance industry has significantly strengthened its detection capabilities.<\/p>\n\n    <h2 id=\"what-are-benefits-insurance-providers-doing-to-prevent-and-detect-fraud\">What are benefits insurance providers doing to prevent and detect fraud?<\/h2>\n\n    <p>The good news is that benefits insurers are taking action. Fraud prevention technology has advanced significantly in recent years, with heavy investment in data analytics, artificial intelligence (AI), and collaborative industry initiatives to detect suspicious activity earlier and more accurately.<\/p>\n\n    <p>While digital claims submission may seem like it would make fraud easier, it actually strengthens detection efforts. Electronic claims create centralized, structured data that can be analyzed in real time. This allows insurers to identify unusual patterns, compare activity across providers, and flag concerns much faster than in paper-based systems.<\/p>\n\n    <p>Today\u2019s fraud prevention efforts include:<\/p>\n    <ul>\n      <li>Advanced analytics and predictive modeling to detect unusual claiming patterns<\/li>\n      <li>AI-based anomaly detection to flag claims that don\u2019t align with typical behaviour<\/li>\n      <li>Cross-provider and cross-carrier data comparisons to uncover duplication or coordinated activity<\/li>\n      <li>Provider audits and verification processes to confirm services were actually delivered<\/li>\n      <li>Collaboration across the industry, including initiatives led by organizations like the CLHIA to pool data and strengthen fraud detection<\/li>\n      <li>Partnerships with law enforcement when criminal activity is identified<\/li>\n    <\/ul>\n\n    <p>Insurers also monitor for practical warning signs such as:<\/p>\n    <ul>\n      <li>Unusual spikes in claims from a single provider or clinic location<\/li>\n      <li>High-cost claims clustered in one geographic location<\/li>\n      <li>Repeated maximum claims submitted early in the benefit year<\/li>\n      <li>Consistent paramedical claims hitting annual limits<\/li>\n      <li>Multiple employees at one organization using the same provider<\/li>\n    <\/ul>\n\n    <p>At the same time, insurers recognize that fraudsters are becoming more sophisticated \u2014 using digital tools to fabricate receipts or manipulate systems. This is why fraud prevention is an ongoing investment. Overall, the industry\u2019s approach is proactive, collaborative, and increasingly technology-driven \u2014 helping protect the long-term sustainability of employee benefit plans while ensuring legitimate claims are paid quickly and efficiently.<\/p>\n\n    <h2 id=\"what-can-employers-do-to-prevent-benefits-fraud\">What can employers do to prevent benefits fraud?<\/h2>\n\n    <p>The good news is employers do not need to initiate their own audits. Insurers are already monitoring plans at multiple levels. The most effective role employers can play is fostering a culture of honesty, awareness, and accountability. Employers can:<\/p>\n\n    <ul>\n      <li>Clearly communicate that benefits fraud is not victimless. It impacts plan sustainability and future costs<\/li>\n      <li>Reinforce that fraud is a serious offence that can lead to termination and legal consequences<\/li>\n      <li>Maintain a written policy outlining expectations and repercussions<\/li>\n      <li>Educate employees on how benefits work and who ultimately funds the plan<\/li>\n      <li>Encourage ethical decision-making and speak openly about integrity<\/li>\n      <li>Ensure employees know how to report suspected fraud<\/li>\n    <\/ul>\n\n    <p>Fraud often begins with the mindset that \u201ceveryone does it\u201d or \u201cit\u2019s not a lot of money.\u201d Leadership tone matters. When organizations consistently promote transparency and accountability, it strengthens the long-term health of the benefit plan for everyone.<\/p>\n\n    <p>Want to learn more about what you can do?  CLHIA has excellent information, as do many insurance carriers including Pacific Blue Cross,  Manulife Financial, SunLife Financial, and Canada Life.<\/p>\n\n    <p>At the Immix Group, we are happy to help employers craft communication pieces to distribute to staff, or to educate HR staff and employees on this topic. As always, please feel free to reach out.<\/p>\n\n  <\/div>\n<\/section><!-- ScrollMeta \u2014 Section: FAQs + Key Takeaways + Read More -->\n<div class=\"scrollmeta\" hidden aria-hidden=\"true\"\n  data-sm-site=\"immixgroup.ca\"\n  data-sm-content-type=\"blog_article\"\n  data-sm-section=\"faqs+key-takeaways+read-more\"\n  data-sm-aeo-blocks=\"faq_list,takeaways_list,resource_links\"\n><\/div>\n\n<section class=\"immix-article__section immix-article__section--faqs\" aria-label=\"FAQs, key takeaways, and resources\">\n  <div class=\"immix-article__content\">\n\n    <h2 id=\"faqs\">FAQs<\/h2>\n\n    <ol class=\"immix-faqs\" aria-label=\"Frequently asked questions\">\n      <li>\n        <h3 id=\"faq-how-common-is-benefits-fraud-in-canada\">How common is benefits fraud in Canada?<\/h3>\n        <p>It\u2019s estimated in the billions annually, although it\u2019s difficult to measure.<\/p>\n      <\/li>\n\n      <li>\n        <h3 id=\"faq-who-commits-benefits-fraud\">Who commits benefits fraud?<\/h3>\n        <p>Plan members, providers, or both working together \u2014 and sometimes third parties.<\/p>\n      <\/li>\n\n      <li>\n        <h3 id=\"faq-what-are-common-examples-of-fraud\">What are common examples of fraud?<\/h3>\n        <p>Claiming services not received, inflating charges, submitting duplicate claims, or misrepresenting eligibility.<\/p>\n      <\/li>\n\n      <li>\n        <h3 id=\"faq-how-does-fraud-impact-benefit-plans\">How does fraud impact benefit plans?<\/h3>\n        <p>It increases claims costs, which can lead to higher premiums (and subsequently, less funds available for legitimate claims).<\/p>\n      <\/li>\n\n      <li>\n        <h3 id=\"faq-what-can-employers-do-to-help-prevent-fraud\">What can employers do to help prevent fraud?<\/h3>\n        <p>Promote a culture of honesty, clearly communicate that fraud has serious consequences, educate employees on how plans are funded, and encourage ethical decision-making.<\/p>\n      <\/li>\n    <\/ol>\n\n    <h2 id=\"key-takeaways\">Key Takeaways<\/h2>\n    <ul class=\"immix-key-takeaways\">\n      <li>Benefits fraud is more common than many realize, can have a meaningful financial impact on employer-sponsored group benefit plans, and can be detected.<\/li>\n      <li>Fraud is not \u201cvictimless.\u201d Increased claims costs ultimately affect employers and employees through higher premiums.<\/li>\n      <li>Detection systems are sophisticated and increasingly powered by data analytics and AI \u2014 suspicious activity is often identified quickly, with insurers and other organization coordinating prevention and detection efforts.<\/li>\n      <li>Fraud can involve plan members, providers, or organized activity, and the consequences can be serious and career-altering.<\/li>\n      <li>Employers play an important role by reinforcing clear expectations, promoting integrity, and building awareness around responsible use of benefit plans.<\/li>\n    <\/ul>\n\n    <h2 id=\"read-more\">Read More<\/h2>\n    <!-- Read More (with real links from the approved Word doc) -->\n<ul class=\"immix-read-more\">\n  <li>\n    <a href=\"https:\/\/immixgroup.ca\/blog\/2021\/03\/06\/march-is-fraud-prevention-month\/\" target=\"_blank\" rel=\"noopener\">\n      March is Fraud Prevention Month - Latest News from Immix Group\n    <\/a>\n  <\/li>\n\n  <li>\n    <a href=\"https:\/\/www.ctvnews.ca\/vancouver\/article\/bc-massage-therapist-disciplined-for-submitting-97-false-insurance-claims\/\" target=\"_blank\" rel=\"noopener\">\n      B.C. RMT suspended for submitting false insurance claims\n    <\/a>: A news story detailing disciplinary action against a registered massage therapist for billing insurers for services not provided.\n  <\/li>\n\n  <li>\n    <a href=\"https:\/\/www.aviva.ca\/en\/press-releases\/2025\/fraud-prevention-month-trends\/\" target=\"_blank\" rel=\"noopener\">\n      Aviva Canada: New data shows staggering rise in fraud across the country as Fraud Prevention Month kicks off\n    <\/a>: Aviva reports on rising fraud trends across Canada, highlighting new data and reinforcing the need for stronger prevention efforts.\n  <\/li>\n\n  <li>\n    <a href=\"https:\/\/www.clhia.ca\/web\/CLHIA_LP4W_LND_Webstation.nsf\/page\/55548FB969059066852587E9004D466E!OpenDocument\" target=\"_blank\" rel=\"noopener\">\n      CLHIA - Life and health insurers to use advanced artificial intelligence to reduce benefits fraud\n    <\/a>: CLHIA outlines how insurers are using AI and advanced analytics to detect suspicious claims and reduce benefits fraud.\n  <\/li>\n\n  <li>\n    <a href=\"https:\/\/www.ttc.ca\/news\/2018\/March\/TTC-benefits-fraud-investigation-update-223-employees-dismissed?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noopener\">\n      TTC benefits fraud investigation update: 223 employees dismissed\n    <\/a>: An update on the TTC fraud case where over 200 employees were terminated following a large-scale benefits fraud investigation.\n  <\/li>\n\n  <li>\n    <a href=\"https:\/\/www.clhia.ca\/en-CA\/Consumers\/Fraud-and-Abuse\/How-to-Report-benefits-Fraud-and-Abuse\" target=\"_blank\" rel=\"noopener\">\n      CLHIA - How to report benefits fraud and abuse\n    <\/a>: A resource explaining how individuals can confidentially report suspected insurance fraud or abuse.\n  <\/li>\n\n  <li>\n    <a href=\"https:\/\/www.pac.bluecross.ca\/company\/benefits-fraud\/\" target=\"_blank\" rel=\"noopener\">\n      Pacific Blue Cross Benefits Fraud\n    <\/a>: Pacific Blue Cross explains common types of benefits fraud, warning signs, and how they investigate and prevent fraudulent claims.\n  <\/li>\n\n  <li>\n    <a href=\"https:\/\/www.manulife.ca\/personal\/support\/group-plans\/group-benefits\/protect-your-benefits.html\" target=\"_blank\" rel=\"noopener\">\n      Fraud prevention for plan members - Group plans | Manulife\n    <\/a>: Manulife provides guidance for plan members on recognizing fraud, protecting personal information, and using benefits responsibly.\n  <\/li>\n\n  <li>\n    <a href=\"https:\/\/www.sunlife.ca\/workplace\/en\/group-benefits\/fraud-risk-mgmt\/\" target=\"_blank\" rel=\"noopener\">\n      Fraud Risk Management | Workplace Benefits and Retirement Services\n    <\/a>: An overview of how Sun Life manages fraud risk through monitoring, analytics, audits, and prevention strategies.\n  <\/li>\n\n  <li>\n    <a href=\"https:\/\/www.canadalife.com\/blog\/investing-saving\/protecting-yourself-online-dos-and-donts.html\" target=\"_blank\" rel=\"noopener\">\n      Protecting yourself online \u2013 Dos and don\u2019ts in the fight against fraud\n    <\/a>: Practical tips to help individuals protect personal and financial information from online scams and digital fraud.\n  <\/li>\n<\/ul>\n\n  <\/div>\n<\/section>\n<style>\n\/* ============================================================\n   Immix Blog \u2014 Magazine CSS (Article + FAQs + Takeaways + Read More)\n   Works with the HTML we built:\n   .immix-article__header, .immix-article__content, .immix-author,\n   .immix-faqs, .immix-key-takeaways, .immix-read-more, .immix-quote,\n   .immix-mini-table (if used), .immix-article__section\n   ============================================================ *\/\n\n\/* ---------- Tokens ---------- *\/\n:root{\n  --immix-max: 860px;\n  --immix-pad: clamp(16px, 3.2vw, 34px);\n\n  --immix-ink: #161a20;\n  --immix-muted: rgba(22,26,32,.72);\n  --immix-hairline: rgba(22,26,32,.12);\n  --immix-soft: rgba(22,26,32,.06);\n  --immix-paper: 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border-radius: var(--immix-radius);\n  background: var(--immix-paper);\n  box-shadow: 0 1px 0 rgba(0,0,0,.02);\n}\n\n.immix-author__bio{\n  margin: 0;\n  color: var(--immix-muted);\n  font-size: 0.98em;\n}\n\n\/* ---------- Links ---------- *\/\n.immix-article__content a,\n.immix-author a{\n  color: var(--immix-link);\n  text-decoration: underline;\n  text-decoration-thickness: 1px;\n  text-underline-offset: 3px;\n  transition: color .15s ease, background-color .15s ease;\n  overflow-wrap: anywhere;\n}\n\n.immix-article__content a:hover,\n.immix-author a:hover{\n  color: var(--immix-link-hover);\n}\n\n.immix-article__content a:focus-visible,\n.immix-author a:focus-visible{\n  outline: 3px solid rgba(15,91,216,.22);\n  outline-offset: 3px;\n  border-radius: 8px;\n}\n\n\/* ---------- Lists (editorial spacing + marker polish) ---------- *\/\n.immix-article__content ul,\n.immix-article__content ol{\n  margin: 0 0 16px 0;\n  padding-left: 1.25em;\n}\n\n.immix-article__content li{\n  margin: 7px 0;\n  padding-left: 2px;\n}\n\n.immix-article__content li::marker{\n  color: rgba(22,26,32,.55);\n}\n\n\/* ---------- Pull quote (if used) ---------- *\/\n.immix-quote{\n  margin: clamp(24px, 3.8vw, 44px) 0;\n  padding: 18px 18px;\n  border-left: 5px solid rgba(15,91,216,.35);\n  background: rgba(15,91,216,.06);\n  border-radius: calc(var(--immix-radius) - 4px);\n}\n\n.immix-quote p{\n  margin: 0;\n  color: rgba(22,26,32,.92);\n  font-size: 1.02em;\n}\n\n\/* ---------- FAQs (magazine cards with numbered ribbon) ---------- *\/\n.immix-faqs{\n  list-style: none;\n  margin: 14px 0 0 0;\n  padding: 0;\n  display: grid;\n  grid-template-columns: 1fr;\n  gap: 12px;\n}\n\n.immix-faqs > li{\n  position: relative;\n  padding: 16px 16px 14px 16px;\n  border: 1px solid var(--immix-hairline);\n  border-radius: var(--immix-radius);\n  background: var(--immix-paper);\n  box-shadow: 0 1px 0 rgba(0,0,0,.02);\n}\n\n.immix-faqs > li::before{\n  content: counter(immixfaq);\n  counter-increment: immixfaq;\n  position: absolute;\n  top: 14px;\n  right: 14px;\n  width: 34px;\n  height: 34px;\n  border-radius: 999px;\n  display: grid;\n  place-items: center;\n  font-weight: 700;\n  font-size: 0.95em;\n  color: rgba(22,26,32,.78);\n  background: rgba(22,26,32,.06);\n}\n\n.immix-faqs{\n  counter-reset: immixfaq;\n}\n\n.immix-faqs h3{\n  margin: 0 44px 6px 0;\n  font-size: 1.05em;\n  line-height: 1.3;\n}\n\n.immix-faqs p{\n  margin: 0;\n  color: rgba(22,26,32,.86);\n}\n\n\/* ---------- Key Takeaways (highlight panel) ---------- *\/\n.immix-key-takeaways{\n  list-style: none;\n  margin: 14px 0 0 0;\n  padding: 16px 16px;\n  border: 1px solid rgba(15,91,216,.22);\n  border-radius: var(--immix-radius);\n  background: rgba(15,91,216,.05);\n}\n\n.immix-key-takeaways li{\n  margin: 10px 0;\n  padding-left: 28px;\n  position: relative;\n}\n\n.immix-key-takeaways li::before{\n  content: \"\";\n  position: absolute;\n  left: 8px;\n  top: 0.72em;\n  width: 8px;\n  height: 8px;\n  border-radius: 999px;\n  background: rgba(15,91,216,.55);\n  transform: translateY(-50%);\n}\n\n\/* ---------- Read More (resource list as tidy cards) ---------- *\/\n.immix-read-more{\n  list-style: none;\n  padding-left: 0;\n  margin: 14px 0 0 0;\n  border: 1px solid var(--immix-hairline);\n  border-radius: var(--immix-radius);\n  background: var(--immix-paper);\n  overflow: hidden;\n  box-shadow: 0 1px 0 rgba(0,0,0,.02);\n}\n\n.immix-read-more li{\n  margin: 0;\n  padding: 12px 14px;\n  border-top: 1px solid var(--immix-hairline);\n  color: rgba(22,26,32,.86);\n}\n\n.immix-read-more li:first-child{\n  border-top: 0;\n}\n\n.immix-read-more a{\n  text-decoration: none;\n  color: rgba(22,26,32,.92);\n  font-weight: 650;\n}\n\n.immix-read-more a:hover{\n  color: rgba(22,26,32,.95);\n  text-decoration: underline;\n  text-underline-offset: 3px;\n}\n\n.immix-read-more li:hover{\n  background: rgba(15,91,216,.05);\n}\n\n\/* ---------- Tables (if used) ---------- *\/\n.immix-mini-table{\n  width: 100%;\n  border-collapse: separate;\n  border-spacing: 0;\n  margin: 14px 0 18px 0;\n  border: 1px solid var(--immix-hairline);\n  border-radius: var(--immix-radius);\n  overflow: hidden;\n  background: #fff;\n  box-shadow: 0 1px 0 rgba(0,0,0,.03);\n}\n\n.immix-mini-table th,\n.immix-mini-table td{\n  padding: 12px 12px;\n  vertical-align: top;\n  border-bottom: 1px solid var(--immix-hairline);\n  font-size: 0.98em;\n}\n\n.immix-mini-table tr:last-child th,\n.immix-mini-table tr:last-child td{\n  border-bottom: 0;\n}\n\n.immix-mini-table th{\n  width: 58%;\n  text-align: left;\n  color: rgba(22,26,32,.85);\n  background: rgba(22,26,32,.03);\n  font-weight: 650;\n}\n\n.immix-mini-table td{\n  width: 42%;\n  text-align: right;\n  font-variant-numeric: tabular-nums;\n  color: rgba(22,26,32,.92);\n}\n\n\/* Mobile tables: stacked rows *\/\n@media (max-width: 520px){\n  .immix-mini-table th,\n  .immix-mini-table td{\n    display: block;\n    width: 100%;\n    text-align: left;\n  }\n  .immix-mini-table td{\n    padding-top: 0;\n  }\n  .immix-mini-table th{\n    border-bottom: 0;\n  }\n  .immix-mini-table tr{\n    display: block;\n    padding: 12px 12px;\n    border-bottom: 1px solid var(--immix-hairline);\n  }\n  .immix-mini-table tr:last-child{\n    border-bottom: 0;\n  }\n  .immix-mini-table th,\n  .immix-mini-table td{\n    padding: 0;\n    background: transparent;\n  }\n}\n\n\/* ---------- Anchor offset for sticky headers ---------- *\/\n.immix-article__content h2[id],\n.immix-article__content h3[id]{\n  scroll-margin-top: 110px;\n}\n\n\/* ---------- Print (clean) ---------- *\/\n@media print{\n  .immix-author,\n  .immix-key-takeaways,\n  .immix-read-more,\n  .immix-faqs > li{\n    box-shadow: none !important;\n  }\n  .immix-article__content a{\n    text-decoration: underline;\n  }\n}<\/style>\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-d7bc324 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d7bc324\" 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-ea6ca6a\" data-id=\"ea6ca6a\" 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-1a060de elementor-widget elementor-widget-global elementor-global-230 elementor-widget-image\" data-id=\"1a060de\" 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-f775c76\" data-id=\"f775c76\" 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-1388037 elementor-widget elementor-widget-global elementor-global-233 elementor-widget-text-editor\" data-id=\"1388037\" 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-179e767 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"179e767\" 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-6a555d3\" data-id=\"6a555d3\" 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-0452527 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=\"0452527\" 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-f28cf15 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f28cf15\" 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-f2d56d2\" data-id=\"f2d56d2\" 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-51c24f9 elementor-post-navigation-borders-yes elementor-widget elementor-widget-post-navigation\" data-id=\"51c24f9\" 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\/2026\/02\/01\/group-savings-plans\/\" 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\">Group Savings Plans<\/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\/2026\/03\/27\/dental-benefits\/\" rel=\"next\"><span class=\"elementor-post-navigation__link__next\"><span class=\"post-navigation__next--label\">Next<\/span><span class=\"post-navigation__next--title\">Dental 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-3670966 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3670966\" 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-20faed0\" data-id=\"20faed0\" 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-83ace6d elementor-widget elementor-widget-heading\" data-id=\"83ace6d\" 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-c4a00dd elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c4a00dd\" 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-4d717b4\" data-id=\"4d717b4\" 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-8ba3240 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=\"8ba3240\" 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\/1936\/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\/1936\/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\/1936\/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\/1936\/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\/1936\/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>Employee Benefits Fraud in Canada: Awareness, Impact &amp; Prevention Lindsay Byrka, CFP\u00ae is Vice President at the Immix Group. She partners with employers to source and manage group life and health plans, and group savings and retirement plans, working with Canada\u2019s leading insurers to support transparent pricing and flexible plan design. LinkedIn. March is Fraud [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1962,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14,324],"tags":[334,325,330,331,339,332,333,326,337,74,338,308,328,162,327,202,336,329,297,335],"class_list":["post-1936","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-emloyee-benefits","category-employee-benefits-fraud","tag-benefits-audits","tag-benefits-fraud","tag-benefits-plan-administration","tag-claims-fraud","tag-clhia","tag-dental-benefits","tag-disability-benefits","tag-employee-benefits-fraud","tag-employee-communications","tag-employer-sponsored-benefits","tag-ethics-and-integrity","tag-fraud-detection","tag-fraud-prevention-month","tag-group-benefits-canada","tag-group-benefits-fraud","tag-health-benefits","tag-hr-best-practices","tag-insurance-fraud-canada","tag-plan-sustainability","tag-premium-increases"],"_links":{"self":[{"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts\/1936","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=1936"}],"version-history":[{"count":26,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts\/1936\/revisions"}],"predecessor-version":[{"id":1974,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts\/1936\/revisions\/1974"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/media\/1962"}],"wp:attachment":[{"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/media?parent=1936"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/categories?post=1936"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/tags?post=1936"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}