Remote Benefits:
Canada
Remote builds belonging for your global team with comprehensive local plans at competitive rates.
Remote provides a wide range of health, retirement, and EAP options to our customers, with industry-leading levels of flexibility and customization so you can tailor your benefits to the needs of your workforce.
You can customize your benefits packages by selecting one of our five health insurance plans (or choosing not to offer insurance), selecting an RRSP (retirement) plan with the option for matching, and deciding whether or not you would like to offer an Employee Assistance Plan (EAP). You may also decide to not offer any Remote health plan or RRSP matching.
IMPORTANT: All of your employees in Canada will receive the same benefits package, as these cannot be customized on a per-employee basis.
If you select a “Family” plan, your Canadian employees will be able to add dependents if they wish. If an individual employee does not add dependents, you will only be charged the “Single” rate for their plan, this is a choice we strongly encourage you to make, as it is a customary market practice to extend health insurance coverage to include dependents. Important: Only for the province of Quebec, it’s mandatory for an employee who is being offered a private medical plan to enroll their dependents into the plan, hence, it must be offered the "Family" plan. In Quebec, the benefit rules are regulated by RAMQ (The Régie de l'assurance maladie du Québec is the government health insurance board in the province of Quebec, Canada.) Additional information about this legislation can be found here.
If you select a “Single” plan, it will be applied to all employees (current and future) and employees will not be able to add dependents, even at their own cost. Your decision will be locked in until the upcoming re-selection period in December 2024.
To consider: Costs for health insurance and RRSP plans in Canada are variable based on employee salary. We have created a handy cost calculator sheet to help you understand the cost of the benefits you wish to offer, which you can access here ( input employee salaries to see estimates of what each plan option will cost).
Health, Life & Disability Plans
The benefits and rates listed here are for the new plan year, January 01, 2024, to December 31, 2024. The pricing and benefits are subject to change in response to business and market changes, and we will update you when those changes take place. You can email support@remote.com with any questions!
Basic Plan Estimated Cost: The above costs are the employer costs. Our basic plan requires an additional employee contribution of approx. $31/mo. for the single plan and a contribution of approx. $101/mo. for the family plan, which will be deducted during payroll. All other plan tiers are covered 100% by the employer. | Standard Plan Estimated Cost: (For employee earning 145K CAD annually. Prices vary based on salary.) | Plus
Plan Estimated Cost: (For employee earning 145K CAD annually. Prices vary based on salary.) | Premium
Plan Estimated Cost: (For employee earning 145K CAD annually. Prices vary based on salary.) | Premium Enhanced Plan Estimated Cost: Only Family coverage can be selected | |
Health InsurancePlus:
| Basic Plan Estimated Cost: The above costs are the employer costs. Our basic plan requires an additional employee contribution of approx. $31/mo. for the single plan and a contribution of approx. $101/mo. for the family plan, which will be deducted during payroll. All other plan tiers are covered 100% by the employer.
Plus:
| Standard Plan Estimated Cost: (For employee earning 145K CAD annually. Prices vary based on salary.)
Plus:
| Plus
Plan Estimated Cost: (For employee earning 145K CAD annually. Prices vary based on salary.)
Plus:
Plus:
| Premium
Plan Estimated Cost: (For employee earning 145K CAD annually. Prices vary based on salary.)
Plus:
Plus:
| Premium Enhanced Plan Estimated Cost: Only Family coverage can be selected
Plus:
Plus:
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Out of Country Coverage
| Basic Plan Estimated Cost: The above costs are the employer costs. Our basic plan requires an additional employee contribution of approx. $31/mo. for the single plan and a contribution of approx. $101/mo. for the family plan, which will be deducted during payroll. All other plan tiers are covered 100% by the employer.
| Standard Plan Estimated Cost: (For employee earning 145K CAD annually. Prices vary based on salary.)
| Plus
Plan Estimated Cost: (For employee earning 145K CAD annually. Prices vary based on salary.)
| Premium
Plan Estimated Cost: (For employee earning 145K CAD annually. Prices vary based on salary.)
| Premium Enhanced Plan Estimated Cost: Only Family coverage can be selected
|
Drugs | Basic Plan Estimated Cost: The above costs are the employer costs. Our basic plan requires an additional employee contribution of approx. $31/mo. for the single plan and a contribution of approx. $101/mo. for the family plan, which will be deducted during payroll. All other plan tiers are covered 100% by the employer.
Plus:
| Standard Plan Estimated Cost: (For employee earning 145K CAD annually. Prices vary based on salary.)
Plus:
| Plus
Plan Estimated Cost: (For employee earning 145K CAD annually. Prices vary based on salary.)
Plus:
| Premium
Plan Estimated Cost: (For employee earning 145K CAD annually. Prices vary based on salary.)
Plus:
| Premium Enhanced Plan Estimated Cost: Only Family coverage can be selected
Plus:
|
Paramedical PractitionersPlus: Acupuncturist, chiropractor, dietician, physiotherapist, massage therapist, osteopath, speech therapist, naturopath, podiatrist, and psychologist included | Basic Plan Estimated Cost: The above costs are the employer costs. Our basic plan requires an additional employee contribution of approx. $31/mo. for the single plan and a contribution of approx. $101/mo. for the family plan, which will be deducted during payroll. All other plan tiers are covered 100% by the employer.
Plus: Acupuncturist, chiropractor, dietician, physiotherapist, massage therapist, osteopath, speech therapist, naturopath, podiatrist, and psychologist included | Standard Plan Estimated Cost: (For employee earning 145K CAD annually. Prices vary based on salary.)
Plus: Acupuncturist, chiropractor, dietician, physiotherapist, massage therapist, osteopath, speech therapist, naturopath, podiatrist, and psychologist included | Plus
Plan Estimated Cost: (For employee earning 145K CAD annually. Prices vary based on salary.)
Plus: Acupuncturist, chiropractor, dietician, physiotherapist, massage therapist, osteopath, speech therapist, naturopath, podiatrist, and psychologist included | Premium
Plan Estimated Cost: (For employee earning 145K CAD annually. Prices vary based on salary.)
Plus: Acupuncturist, chiropractor, dietician, physiotherapist, massage therapist, osteopath, speech therapist, naturopath, podiatrist, and psychologist included | Premium Enhanced Plan Estimated Cost: Only Family coverage can be selected
Plus: Acupuncturist, chiropractor, dietician, physiotherapist, massage therapist, osteopath, speech therapist, naturopath, podiatrist, and psychologist included |
Virtual Health & Second Medical OpinionIncluded | Basic Plan Estimated Cost: The above costs are the employer costs. Our basic plan requires an additional employee contribution of approx. $31/mo. for the single plan and a contribution of approx. $101/mo. for the family plan, which will be deducted during payroll. All other plan tiers are covered 100% by the employer. Included | Standard Plan Estimated Cost: (For employee earning 145K CAD annually. Prices vary based on salary.) Included | Plus
Plan Estimated Cost: (For employee earning 145K CAD annually. Prices vary based on salary.) Included | Premium
Plan Estimated Cost: (For employee earning 145K CAD annually. Prices vary based on salary.) Included | Premium Enhanced Plan Estimated Cost: Only Family coverage can be selected Included |
Vision Care
| Basic Plan Estimated Cost: The above costs are the employer costs. Our basic plan requires an additional employee contribution of approx. $31/mo. for the single plan and a contribution of approx. $101/mo. for the family plan, which will be deducted during payroll. All other plan tiers are covered 100% by the employer.
| Standard Plan Estimated Cost: (For employee earning 145K CAD annually. Prices vary based on salary.)
| Plus
Plan Estimated Cost: (For employee earning 145K CAD annually. Prices vary based on salary.)
| Premium
Plan Estimated Cost: (For employee earning 145K CAD annually. Prices vary based on salary.)
| Premium Enhanced Plan Estimated Cost: Only Family coverage can be selected
|
Dental Care | Basic Plan Estimated Cost: The above costs are the employer costs. Our basic plan requires an additional employee contribution of approx. $31/mo. for the single plan and a contribution of approx. $101/mo. for the family plan, which will be deducted during payroll. All other plan tiers are covered 100% by the employer.
| Standard Plan Estimated Cost: (For employee earning 145K CAD annually. Prices vary based on salary.)
| Plus
Plan Estimated Cost: (For employee earning 145K CAD annually. Prices vary based on salary.)
| Premium
Plan Estimated Cost: (For employee earning 145K CAD annually. Prices vary based on salary.)
| Premium Enhanced Plan Estimated Cost: Only Family coverage can be selected
|
Basic Life Insurance | Basic Plan Estimated Cost: The above costs are the employer costs. Our basic plan requires an additional employee contribution of approx. $31/mo. for the single plan and a contribution of approx. $101/mo. for the family plan, which will be deducted during payroll. All other plan tiers are covered 100% by the employer.
| Standard Plan Estimated Cost: (For employee earning 145K CAD annually. Prices vary based on salary.)
| Plus
Plan Estimated Cost: (For employee earning 145K CAD annually. Prices vary based on salary.)
| Premium
Plan Estimated Cost: (For employee earning 145K CAD annually. Prices vary based on salary.)
| Premium Enhanced Plan Estimated Cost: Only Family coverage can be selected
|
AD&DEqual to life insurance coverage | Basic Plan Estimated Cost: The above costs are the employer costs. Our basic plan requires an additional employee contribution of approx. $31/mo. for the single plan and a contribution of approx. $101/mo. for the family plan, which will be deducted during payroll. All other plan tiers are covered 100% by the employer. Equal to life insurance coverage | Standard Plan Estimated Cost: (For employee earning 145K CAD annually. Prices vary based on salary.) Equal to life insurance coverage | Plus
Plan Estimated Cost: (For employee earning 145K CAD annually. Prices vary based on salary.) Equal to life insurance coverage | Premium
Plan Estimated Cost: (For employee earning 145K CAD annually. Prices vary based on salary.) Equal to life insurance coverage | Premium Enhanced Plan Estimated Cost: Only Family coverage can be selected Equal to life insurance coverage |
Dependent Life | Basic Plan Estimated Cost: The above costs are the employer costs. Our basic plan requires an additional employee contribution of approx. $31/mo. for the single plan and a contribution of approx. $101/mo. for the family plan, which will be deducted during payroll. All other plan tiers are covered 100% by the employer.
| Standard Plan Estimated Cost: (For employee earning 145K CAD annually. Prices vary based on salary.)
| Plus
Plan Estimated Cost: (For employee earning 145K CAD annually. Prices vary based on salary.)
| Premium
Plan Estimated Cost: (For employee earning 145K CAD annually. Prices vary based on salary.)
| Premium Enhanced Plan Estimated Cost: Only Family coverage can be selected
|
Short-term Disability
| Basic Plan Estimated Cost: The above costs are the employer costs. Our basic plan requires an additional employee contribution of approx. $31/mo. for the single plan and a contribution of approx. $101/mo. for the family plan, which will be deducted during payroll. All other plan tiers are covered 100% by the employer.
| Standard Plan Estimated Cost: (For employee earning 145K CAD annually. Prices vary based on salary.)
| Plus
Plan Estimated Cost: (For employee earning 145K CAD annually. Prices vary based on salary.)
| Premium
Plan Estimated Cost: (For employee earning 145K CAD annually. Prices vary based on salary.)
| Premium Enhanced Plan Estimated Cost: Only Family coverage can be selected
|
Long-term Disability
| Basic Plan Estimated Cost: The above costs are the employer costs. Our basic plan requires an additional employee contribution of approx. $31/mo. for the single plan and a contribution of approx. $101/mo. for the family plan, which will be deducted during payroll. All other plan tiers are covered 100% by the employer.
| Standard Plan Estimated Cost: (For employee earning 145K CAD annually. Prices vary based on salary.)
| Plus
Plan Estimated Cost: (For employee earning 145K CAD annually. Prices vary based on salary.)
| Premium
Plan Estimated Cost: (For employee earning 145K CAD annually. Prices vary based on salary.)
| Premium Enhanced Plan Estimated Cost: Only Family coverage can be selected
|
Gender Affirmation CareNot Included | Basic Plan Estimated Cost: The above costs are the employer costs. Our basic plan requires an additional employee contribution of approx. $31/mo. for the single plan and a contribution of approx. $101/mo. for the family plan, which will be deducted during payroll. All other plan tiers are covered 100% by the employer. Not Included | Standard Plan Estimated Cost: (For employee earning 145K CAD annually. Prices vary based on salary.) Not Included | Plus
Plan Estimated Cost: (For employee earning 145K CAD annually. Prices vary based on salary.) Not Included | Premium
Plan Estimated Cost: (For employee earning 145K CAD annually. Prices vary based on salary.) Not Included | Premium Enhanced Plan Estimated Cost: Only Family coverage can be selected This plan offers coverage for surgical and other procedures for male-to-female and female-to-male transitions, including:
Not Included |
Retirement Plan (RRSP)
Your retirement plan option does not have to align with the tier you choose for your health plan. If you don't make a selection, employees will be added to the Basic plan with no employer matching.
Basic Plan | Standard Plan | Plus Plan | Premium Plan | Premium Enhanced Plan | Platinum Plan |
Basic Plan Contributions
| Standard Plan Contributions
| Plus Plan Contributions
| Premium Plan Contributions
| Premium Enhanced Plan Contributions
| Platinum Plan Contributions
|
Employee Assistance Program (EAP)
You also have the option to offer an Employee Assistance Program (EAP) to your workforce. This includes:
- 24/7/365 telephone support help line
- TelusHealth wellbeing platform & mobile app (available in 50 languages)
- Employee legal help line
- Consulting services – Financial, debt advice, housing, relocation, parenting, eldercare, health and wellness, and more
- Dependent & family access (up to 5 per employee)
- Up to 5 sessions of counseling sessions per issue (face-to-face, video, or structured telephone counseling sessions)
- And much more!
Cost: 2.74 USD per month per employee
Remote's Benefits Practices
Remote supports our clients by offering competitive benefits packages that will help you attract and retain the best talent across the globe! Our benefits specialists have done the research on norms and requirements in each local market and have crafted packages that will allow your employees to thrive, no matter what country they live in.
Our core benefits (which often include things like healthcare) are required in some countries where we hire. We do not require customers to offer benefits in Canada due to its strong public system and local laws that protect us (and you!) against claims of discriminatory hiring practices. However, we do recommend that employers in Canada offer benefits to their employees, which allows them to access a wider range of options for providers and specialists as well as significantly shorter wait times. We do not add a markup on any benefits premiums or administration costs.
If you would like more insight into fair equity and benefits best practices, you can download our Global Benefits Guide here!
- In Canada, 99%* of employers offer supplemental health insurance to their workforce. Although the country has a public health system, supplemental health insurance provides employees with access to a wider range of options for providers and specialists, as well as significantly shorter wait times. Our plans also offer global coverage (excluding the US) to protect your employees when they are traveling outside their home country.
- 90%* of employers in Canada offer life, accident, and long-term disability insurance to their employees. These are included in most of Remote's plan offerings. (*based on 3rd-party market research from our partners)
- You may opt out of offering Remote health insurance or retirement matching to your employees in Canada if you wish.
- You will be able to select a benefits plan when onboarding your employee. From there, the employee will be enrolled and contacted with more information about their plan. Remote takes care of all the administration work so you can focus on scaling your global team!
TCE in Canada
If you’re ready to hire a new employee in Canada, you may have generated or received a Total Cost of Employment quote to get an estimate of what it might cost. If you haven’t, you can do so with our handy Cost Calculator tool now!
Employers hiring in Canada must pay for social contributions mandated by the government. These costs are automatically applied during payroll:
- Canada Pension Plan
- Employment Insurance
- Additional tax deductions are applied for employees in the province of Quebec
The exact cost of the government contributions listed above can be found by using the Cost Calculator.
- For more information about hiring employees in Canada, see our country hiring guide at https://remote.com/country-explorer/canada.
Learn more about Remote benefits
How do benefits work when hiring through an EOR?
Watch this quick explainer video to understand how offering benefits works when you hire team members through an employer of record like Remote.