Employers & HR teams
Offer a modern benefit with predictable costs and far less administration.
FinCard Everyday Benefits
Everyday Benefits for Everyday People
When your employees thrive, so does your business.
Health, wellness and flexible spending accounts, plus 24/7 virtual healthcare and family assistance, preloaded on a virtual card with automatic CRA compliance. No out-of-pocket costs, no reimbursement waits.
A FinCard company
HSA · WSA · FSA
flexible accounts, one card
24/7
virtual healthcare
$0
out-of-pocket
The problem
Traditional benefits cost more every year, and deliver less.
- Premiums keep climbing
Annual renewals rise while coverage narrows and employees still face deductibles and limits.
- Employees pay first, then wait
People front the money, submit paperwork and wait for reimbursement.
- Half the plan goes unused
Traditional plans often see roughly 50% utilization because they are hard to understand and use.
- Administration lands on HR
Claims questions, enrolment changes and reconciliation consume time your team does not have.
How Everyday Benefits solves it
One card, preloaded, automatically compliant.
- 1You control the budget
Set a predictable allowance by employee or class instead of absorbing unpredictable premium increases.
- 2No out-of-pocket costs
Employees spend approved funds directly from their virtual card, without reimbursement waits.
- 3Minimal HR administration
Onboarding, balances, reporting and compliance live in one clear employer portal.
- 4A stronger recruiting package
Give employees benefits they can see, understand and actually use.
Built for everyday health, wellness and family needs.
Flexible spending drives utilization closer to 80%, compared with roughly 50% for traditional plans.
What you can do
The employer portal
Set budgets, onboard your team and watch spend, with compliance handled automatically.
- Set budgets by employee or class
- Onboard and manage cardholders
- Track balances and utilization
- Review program reporting in real time
- Issue dependent cards
- Keep CRA compliance automatic
In your team's pocket
Benefits people can use right away.
A preloaded virtual card removes the two biggest barriers to using benefits: paying first and completing paperwork later.
No out-of-pocket costs
Approved funds are already on the card.
Works at CRA-eligible merchants
Compliance is checked automatically.
24/7 virtual care
Care is available wherever employees are.
What it does
Everything you need, built in
Six benefits, one virtual card. Click through them, whatever you pick is already loaded.
Health Spending Account (HSA)
Tax-efficient funds for eligible medical and dental expenses, available directly on the employee's virtual card.
Wellness Spending Account (WSA)
Flexible support for fitness, mental wellness and everyday wellbeing, based on the categories you choose.
Flexible Spending Account (FSA)
Let employees direct their allowance between health and wellness based on what matters to them.
Virtual Healthcare
Give employees and their families on-demand access to healthcare professionals, 24 hours a day.
Employee & Family Assistance (EFAP)
Confidential support for mental health, family, legal, financial and work-life concerns.
Automatic Compliance & Recovery
Merchant eligibility and CRA rules are checked automatically, with clear controls for ineligible activity.
FinCard
Loaded on this card
Health Spending Account (HSA)
···· ···· ···· 1234
No out-of-pocket costs. No reimbursement waits.
Everything above is preloaded on one virtual card.
How it works
1
Set the budget
Choose an allowance for each employee or benefit class.
2
Activate the card
Employees receive and activate their virtual card.
3
Spend at approved merchants
They pay directly for eligible health and wellness purchases.
4
Compliance runs automatically
Transactions are checked against your plan and CRA rules.
5
Track in real time
Employees see balances while employers see program-level reporting.
Who we serve
Employers
Predictable benefit costs with less administration.
- Fixed budgets by employee class
- Fast digital onboarding
- Real-time utilization and reporting
Brokers & Benefits Advisors
A flexible option for clients who need more value from every benefit dollar.
- Modern, differentiated product
- Simple client administration
- Scales from small teams upward
Employees & Families
Benefits that are easy to understand and easier to use.
- No reimbursement wait
- Dependent card access
- Virtual care and family support
Why employers switch
Category
Traditional benefits
Everyday Benefits ✦
Cost
CostRenewal increases and variable premiums
A fixed budget you control
Employee payment
Employee paymentEmployee pays first and submits a claim
Funds are preloaded on the card
Speed
SpeedDays or weeks to reimburse
Available at the point of purchase
Utilization
UtilizationOften around 50%
Flexible design can reach roughly 80%
Administration
AdministrationForms, claims and reconciliation
One portal with automated controls
Flexibility
FlexibilityOne plan for everyone
HSA, WSA and FSA options
Care access
Care accessVaries by carrier and plan
24/7 virtual care and EFAP included
Use cases
One flexible program for employers, advisors and the people they support.
Frequently asked questions
For employees
Do I pay first and get reimbursed?+
No. Approved benefit funds are preloaded onto your virtual card so eligible purchases can be paid directly.
Where can I use the card?+
At eligible health and wellness merchants covered by your employer's plan and CRA rules.
Can my family use the benefits?+
Eligible dependants can be included, and dependent cards can be issued when the plan allows it.
For employers
Can we set different budgets?+
Yes. Allowances can be configured by employee or benefit class.
How much administration is required?+
The portal handles onboarding, balances, reporting and most day-to-day controls in one place.
How is compliance handled?+
Transactions are checked against eligible merchant categories and the rules configured for the plan.
For brokers & advisors
Which clients are a good fit?+
Organizations seeking predictable costs, flexible coverage and a more modern employee experience.
Can the program scale?+
Yes. The digital setup works for growing companies and larger employee groups.
Can we support implementation?+
Yes. Brokers and advisors can remain part of the program design and client relationship.
Ready to help your employees thrive?
Build a modern benefits program people understand, value and actually use.