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MEDdirect
Private Health Services Plan (PHSP)

Information for unincorporated businesses

If you are a sole proprietor you are permitted to deduct specific amounts from your income depending on the number of dependents you have. Your deduction limits are as follows:

  • $1,500 for yourself
  • $1,500 for your spouse
  • $1,500 for each child over 18 years of age and in school
  • $750 for each child under 18

The total amount can be considered a total benefit per family, and can be used by one or all members of the family.

This program must be run on a calendar year basis and will be pro-rated if participation in the project begins in any month but January.

Unincorporated businesses with employees

These entities must adhere to prescribed benefit maximums and, where they have staff, the staff must be eligible to enroll as well. Benefit maximums that the proprietor will enjoy, will be limited to the maximums that they allow their staff.

Important note:

The Canada Revenue Agency has stipulated that, in order for a PHSP to qualify as a non-taxable benefit, it must include an element of insurance. Therefore, an unincorporated business must purchase an inexpensive travel insurance policy at the time of enrolment. Should such coverage be declined, they would not be eligible to participate in the program.

Please consult the Product Guide for more information on this and all other issues.