Companies use enhancements in practical ways every day — adding HRPs to cover orthodontics not included in base plans, offering extra life or disability protection to leadership teams, providing MSP bridge coverage for new hires moving to B.C., and equipping employees on foreign assignments with international insurance.
Boost Your Current Plan with Enhancements.
Found a great benefit plan but need more? ICBA offers plan enhancements that boost protection for you and your team. From health spending and stronger insurance to added life coverage, we make upgrading simple.
UPGRADE YOUR ICBA PLAN
Health & Wellness Reimbursement
Give employees flexible dollars for medical, dental, vision or wellness-related expenses not covered in your core plan.
Critical Illness & AD&D
Additional protection for life’s biggest risks — offering financial support during serious illness or unexpected injury.
Specialized Risk Coverage
Insurance solutions for employees working abroad, newcomers awaiting MSP coverage or workers not eligible for traditional plans.
Enhanced Executive Benefits
Top-tier coverage and supplemental protection for key leaders and decision-makers within your organization.
Plan Enhancements
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Health & Wellness Reimbursement Plans
Boost your team’s coverage with tax-efficient Health Reimbursement Plans or Wellness Reimbursement Plans. These programs help employees manage uncovered costs — from orthodontics to glasses to fitness or mental-health expenses — while giving employers full control over limits and budget.
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Critical Illness & AD&D Protection
Critical AD&D combines two essential coverages in one. It provides a financial cushion when an employee faces major illness, stroke, cancer diagnosis or accidental injury. It’s support your team hopes to never use, but will be grateful to have when they need it most.
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Specialized Risk Coverage
Some situations need extra care. Our specialized risk solutions cover employees who are new to Canada and waiting for MSP, temporary foreign workers, and staff working internationally for extended periods.
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Executive Benefit Enhancements
Leadership teams often require flexible and elevated protection. We offer customized executive benefits such as disability top-ups, second-opinion medical services, enhanced spending accounts, diagnostics and specialist access, international coverage, and key-person protection.
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Financial Planning Services
Financial wellness is part of total wellness. Our advisors provide personalized financial planning support to help employees make smart, confident decisions about their future.

How it works:
Enhancing your plan is easy.
- Choose the enhancements you want
- We customize the structure and budget to your needs
- Your team enjoys stronger benefits and more flexibility
- You maintain full control — without added administrative burden
BOOST YOUR CURRENT PLAN TODAY.
Whether you want to boost coverage, support mental wellness, or offer added protection for key employees, ICBA Benefits can tailor enhancements that fit your goals and your budget. Let’s build the right mix for your team.