[et_pb_section fb_built=”1″ custom_padding_last_edited=”on|desktop” admin_label=”header section” _builder_version=”4.20.2″ _module_preset=”default” use_background_color_gradient=”on” background_color_gradient_direction=”112deg” background_color_gradient_stops=”#3fa9f5 1%|#3fa9f5 53%|rgba(255,255,255,0) 53%” background_color_gradient_overlays_image=”on” background_image=”https:\/\/cftotalrewards.com\/wp-content\/uploads\/2023\/05\/HSA-banner.jpg” custom_padding=”3.25vw||3.25vw||true|false” custom_padding_tablet=”2vw||2vw||true|false” custom_padding_phone=”2vw||2vw||true|false” background_last_edited=”on|phone” use_background_color_gradient_tablet=”on” use_background_color_gradient_phone=”on” background_color_gradient_stops_tablet=”#3fa9f5 0%|#3fa9f5 60%|rgba(255,255,255,0) 60%” background_color_gradient_stops_phone=”#3fa9f5 0%|#3fa9f5 63%|rgba(255,255,255,0) 63%” background_position_phone=”center_right” background_horizontal_offset_phone=”22%” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” custom_padding_last_edited=”on|phone” _builder_version=”4.20.2″ _module_preset=”default” width_tablet=”54%” width_phone=”69%” width_last_edited=”on|tablet” custom_margin_tablet=”||0px|10%|false|false” custom_margin_phone=”|||2em|false|false” custom_margin_last_edited=”on|desktop” custom_padding=”0px||0px||false|false” custom_padding_tablet=”0px|||0px|false|false” custom_padding_phone=”0px|||0px|false|false” custom_css_main_element=”align-items: center !important;” global_colors_info=”{}” custom_css_main_element_last_edited=”on|desktop” custom_css_main_element_tablet=”align-items: center !important;” custom_css_main_element_phone=”align-items: center !important;”][et_pb_column type=”1_2″ _builder_version=”4.18.0″ _module_preset=”default” custom_css_main_element=”display: flex;||flex-direction: column;||justify-content: center;” global_colors_info=”{}” custom_css_main_element_last_edited=”on|desktop” custom_css_main_element_tablet=”display: flex;||flex-direction: column;||justify-content: center;” custom_css_main_element_phone=”display: flex;||flex-direction: column;||justify-content: center;”][et_pb_text content_tablet=”<\/p>\n
” content_phone=”<\/p>\n
” content_last_edited=”off|desktop” _builder_version=”4.21.0″ _module_preset=”0b50e57f-b832-49c7-98c9-cec37200d9c3″ header_font=”Montserrat|300|||||||” header_text_color=”#FFFFFF” header_font_size=”41px” header_letter_spacing=”0.4px” header_line_height=”1.2em” custom_margin=”5px||||false|false” custom_margin_tablet=”2em||-1.5em||false|false” custom_margin_phone=”||||false|false” custom_margin_last_edited=”on|tablet” custom_padding_tablet=”||||false|false” custom_padding_phone=”||||false|false” custom_padding_last_edited=”on|tablet” header_font_size_tablet=”36px” header_font_size_phone=”30px” header_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.18.0″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ specialty=”on” custom_padding_last_edited=”on|phone” padding_top_2=”6px” padding_top_bottom_link_2=”false” padding_left_right_link_2=”false” _builder_version=”4.20.2″ _module_preset=”default” background_image=”https:\/\/cftotalrewards.com\/wp-content\/uploads\/2023\/03\/lower_tri-form_4.png” background_size=”custom” background_image_width=”31%” background_position=”bottom_right” custom_margin=”||||true” custom_padding=”35px||0px||false|false” custom_padding_tablet=”23px||0px||false|false” custom_padding_phone=”30px||||false|false” global_colors_info=”{}”][et_pb_column type=”2_3″ specialty_columns=”2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_row_inner _builder_version=”4.20.2″ _module_preset=”default” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column_inner saved_specialty_column_type=”2_3″ _builder_version=”4.20.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.21.0″ _module_preset=”b4352afb-c3cd-4ce1-9c36-6a63d7e54b82″ text_font=”Montserrat|300|||||||” text_text_color=”#015846″ text_font_size=”27px” text_line_height=”1.3em” link_font=”|800|||||||” border_width_bottom=”0px” border_color_bottom=”#DAD7CB” border_style_bottom=”solid” locked=”off” global_colors_info=”{}”]<\/p>\n
A cost-effective solution to both planned and unplanned medical and dental expenses.<\/p>\n
[\/et_pb_text][et_pb_text _builder_version=”4.27.5″ _module_preset=”74830f7f-6ee4-427a-8099-eb52e409ee42″ custom_margin=”||3em||false|false” locked=”off” global_colors_info=”{}”]A Health Spending Account (HSA) is a way to pay for out-of-pocket medical and dental expenses without going directly into your personal bank account.<\/p>\n
Any unused credits during your benefit year do carry over into the next benefit year to be utilized. Any carry over credits from your HSA balance during the benefit year (January 1-December 31) that are not used by the end of the second year will be automatically forfeited as required by the Canada Revenue Agency.<\/p>\n
If there are insufficient credits in your HSA account to pay remaining bills by the end of the benefit year, you will not be reimbursed for any unpaid amount.<\/p>\n
Coverage Ends when you retire or reach age 70, whichever occurs first.[\/et_pb_text][et_pb_code disabled_on=”on|on|on” admin_label=”HSA limits table” _builder_version=”4.21.0″ _module_preset=”default” custom_margin=”0px||10px||false|false” custom_padding=”0px||||false|false” disabled=”on” locked=”off” global_colors_info=”{}”]\u00a0<\/p>\n
| Coverage Level<\/th>\n <\/p>\n | IRS Total Limits*<\/th>\n <\/p>\n | CF Automatic Contribution<\/th>\n <\/p>\n | CF Matching Contribution**<\/th>\n <\/p>\n | Your Contribution<\/th>\n <\/tr>\n <\/thead>\n <\/p>\n |
|---|---|---|---|---|
| Individual Coverage<\/td>\n <\/p>\n | $3,850<\/td>\n <\/p>\n | $250<\/td>\n <\/p>\n | $500<\/td>\n <\/p>\n | $3,100<\/td>\n <\/tr>\n <\/p>\n |
| Family Coverage<\/td>\n <\/p>\n | $7,750<\/td>\n <\/p>\n | $500<\/td>\n <\/p>\n | $1,000<\/td>\n <\/p>\n | $6,250<\/td>\n <\/tr>\n <\/p>\n |
| Age 55 or Older<\/td>\n <\/p>\n | Contribute an additional $1,000 on top of these amounts.<\/td>\n <\/tr>\n <\/tbody>\n <\/table>\n [\/et_pb_code][et_pb_text disabled_on=”on|on|on” _builder_version=”4.21.0″ _module_preset=”8c6d1b2c-ca87-4458-9cd5-3a574a62b1a8″ custom_padding=”2px||4em||false|false” disabled=”on” locked=”off” global_colors_info=”{}”]<\/p>\n *Married couples with HSA-eligible family coverage share one family HSA contribution limit. If both spouses have eligible self-only coverage, each spouse may contribute up to $3,850 in separate accounts.<\/em><\/p>\n **Assumes you contribute at least $500 for employee only coverage and $1,000 for family coverage.<\/em><\/p>\n [\/et_pb_text][\/et_pb_column_inner][\/et_pb_row_inner][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.27.5″ _module_preset=”b2730c0e-8c33-4505-b6a9-5d28397b6c05″ custom_padding=”14px|7px|14px|20px|true|false” hover_enabled=”0″ locked=”off” global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n Call<\/strong> <\/i><\/span>800-361-6212<\/strong><\/p>\n Visit<\/strong> <\/i><\/span>www.sunlife.ca\/member<\/a><\/p>\n Plan Program Number:<\/strong><\/span>50621<\/strong><\/p>\n App<\/strong> <\/i><\/span>App Store<\/a>\u00a0| Google Play<\/a>[\/et_pb_text][et_pb_text disabled_on=”off|off|off” _builder_version=”4.27.4″ _module_preset=”7dfbe9fd-ca0d-4232-9cbd-bff1f3c29392″ locked=”off” global_colors_info=”{}”]<\/p>\n |