Now available across Canada

You're leaving
$1,247 a year
in unclaimed benefits.

Average Ontario employee · Mid-tier Sun Life plan · 2026 estimate · CLHIA & H&R Block data

Most Canadians never claim everything their employer plan entitles them to. BenefitsBridge audits in 90 seconds — upload your booklet, or just answer a few quick questions. The free audit shows your gap; $9.99 unlocks the full claim guide.

✓ Free — no credit card✓ 90 seconds✓ PIPEDA-compliant
Trusted by Canadians coast to coast·Works with Sun Life, Manulife & Canada Life
$$¢
benefitsbridge.ca/audit
● SCANNING
EMPLOYEE HEALTH BENEFITS — 2026
Plan #SL-4471-A · Effective Jan 1, 2026
 
PARAMEDICAL SERVICES
Massage therapy: $80/visit · 6 visits/yr
Chiropractic: $40/visit · 12 visits/yr
Psychologist: $120/visit · $1,500 max
 
VISION CARE
Eyewear: $300 every 24 months
Eye exams: 1 per 24 months
 
HEALTH SPENDING ACCOUNT
Annual credit: $500 · expires Dec 31
Carryover: 12 months max
 
PROVINCIAL PROGRAMS
Trillium Drug Program · ON
Orthotic devices · prescription req.
Findings0%
✓
Massage therapy
4 sessions claimable
+$480
✓
Vision care
eyewear allowance
+$245
✓
Mental health
psychologist coverage
+$320
✓
Health Spending Account
expires Jan 1, 2027
+$412
✓
Trillium drug benefit
Ontario residents
+$218
✕
Orthotics
expired Dec 2024
−$180
Recoverable$0
How it works

Your free audit, in three steps.

90 seconds. No account required to start. Works with every major Canadian insurer and provincial program.

→
01

Upload your benefits booklet

Drop in the PDF your employer gave you — or just answer 10 quick questions. We support every major Canadian carrier: Sun Life, Manulife, Canada Life, Blue Cross, Desjardins.

→
02

We map every benefit you can claim

Our AI translates the 40-page booklet into plain English. We cross-reference your employer plan, provincial programs, and federal tax credits — so nothing slips through.

03

See your gap — then claim it

Your free audit shows exactly what you're leaving unclaimed and what it's worth. Upgrade for $9.99 to get step-by-step instructions, year-end alerts, and ongoing monitoring.

Try it live · No signup · Free

See your estimated gap —
right here, right now.

No PDF? Answer 10 quick questions and we'll estimate your gap across 8 benefit categories instantly. Have your booklet? Upload it for a precise, AI-powered audit in 90 seconds.

Question 1 of 10
Free estimate · No PDF needed

Who is your group insurer?

Check your benefits card or last paystub

Sun Life
Manulife
Canada Life
Blue Cross
Desjardins
Other
Real audit · Canada Life member · Toronto

Six years.
$6,775.
Nobody told her.

Maya earns $94k. Healthy, busy, hasn't opened her booklet since onboarding week. Here's what BenefitsBridge found in 90 seconds.

M
Maya, 41Marketing Manager · Toronto SaaS · Canada Life since 2020
"I had this whole time? Nobody from Canada Life ever told me. My HSA has been sitting at zero for six years."

What Maya was entitled to · Total unclaimed

Health Spending Account$500/yr — used $0
Gone
$3,000
Vision allowance$400/24 mo — used 0 of 3 cycles
Gone
$1,200
Massage therapy$500/yr — used $200/yr avg
Gone
$900
Mental-health paramedicalout-of-pocket — never claimed
Gone
$600
Trillium Drug Benefiteligible during 2022
Recoverable
$415
Medical Expense Tax CreditCRA T1-ADJ — 10-yr window
Recoverable
$660
Gone forever
$4,700
HSA, vision cycles, massage, prior-year paramedical — expired at plan reset.
Still recoverable today
$1,075
Trillium Drug Benefit (backdated) + CRA Medical Expense Tax Credit (T1-ADJ, 10 yrs).
What people find

Real Canadians. Real dollar amounts.

Every BenefitsBridge audit ends in one number — what you're leaving on the table this year. Here's what some recent users found.

★ ★ ★ ★ ★

"I've had the same Sun Life plan for 4 years and never touched my massage or psychology credits. BenefitsBridge showed me I had $1,840 sitting there unclaimed. Booked 6 massages immediately."

Sarah K.
Teacher · Toronto, ON
$1,840 found
★ ★ ★ ★ ★

"Didn't know I qualified for the Trillium Drug Benefit. My prescriptions cost me $180/month out of pocket. This audit just saved me over $2,000 a year going forward."

Marcus T.
Software Developer · Ottawa, ON
$973 found
★ ★ ★ ★ ★

"My HSA had been rolling over unused for 3 years — I didn't even know what an HSA was. BenefitsBridge explained it in plain English and showed me exactly how to claim it before the reset."

Priya M.
Nurse · Vancouver, BC
$2,100 found

Bank-grade encryption

Your booklet is encrypted at rest and in transit. AES-256 + TLS 1.3.

Hosted in Canada

AWS ca-central-1. Your data never leaves the country.

PIPEDA compliant

We follow Canada's federal privacy law. Audit trail on every access.

You own your data

Delete your booklet and audit anytime. We never sell to insurers.

Pricing

Start free. Pay once. Keep the savings forever.

No subscriptions. No recurring billing. You pay once for your full report — like tax software, but for your benefits.

Free Audit

$0No account required
  • Upload PDF or answer 5 questions
  • Full AI-powered gap analysis
  • Dollar value of unclaimed benefits
  • 2 detailed benefit gaps shown free
  • Provincial program eligibility check
Start free audit →
BEST VALUE

Full Report

$9.99one-time · your plan year
💰 Average user finds $1,500+ — that's a 150× return on $9.99.
  • Everything in Free Audit
  • All benefit gaps unlocked (not just 2)
  • Step-by-step claim guides per benefit
  • Exact portal paths, forms & receipts
  • Year-end alerts (60, 30, 7 days)
  • Medical Expense Tax Credit calculator
Get my claim guide — $9.99 →Skip the quiz — buy now →

Family & Annual Pass

$49per year · up to 3 members
  • Everything in Full Report
  • Run unlimited audits all year
  • Cover up to 3 family members
  • New booklet? Re-run anytime
  • Annual plan renewal reminder
  • Priority email support
Get the annual pass →
💰
Full money-back guarantee — no questions askedIf your full report doesn't surface at least $200 in claimable benefits, email us and we refund every cent.
Questions

Common things people ask before uploading.

Still wondering? Email hello@benefitsbridge.ca — we reply within 4 business hours.

Yes. The 90-second audit and 2 unlocked benefit gaps cost nothing, ever. The Full Report ($9.99 one-time) unlocks all your gaps plus step-by-step claim guides, year-end alerts, and the Medical Expense Tax Credit calculator. No subscriptions.
No problem — answer 5 quick questions about your insurer, province, and plan tier. We estimate your gap from 8 common categories using aggregate data. Have the booklet later? Upload it for a precise audit.
Full step-by-step claim guides and portal walkthroughs are available now for Sun Life, Manulife, Canada Life, Blue Cross, and Desjardins. For any other insurer, you can still upload your benefits booklet PDF and our AI will read and audit it.
Yes. We are PIPEDA compliant. Your data is stored on Canadian servers (AWS Montréal, ca-central-1). Your booklet PDF is processed by Claude AI to perform the audit (disclosed under PIPEDA cross-border rules), then automatically deleted 7 days after processing. We never connect to your insurer portal.
We check eligibility for 12 priority programs including Ontario (Trillium Drug Benefit, Healthy Smiles, OHIP+), BC (Fair PharmaCare), Alberta (Blue Cross Non-Group), and federally (Canadian Dental Care Plan, Medical Expense Tax Credit, Disability Tax Credit, Canada Caregiver Credit).
Because a subscription for a once-a-year tool is dishonest. Your benefits booklet doesn't change monthly — you review it once per plan year. So we charge once per plan year, just like TurboTax. Pay $9.99 when you want the full report; that's it. No auto-renewal, no surprises.
No. Your benefits booklet is your document — given to you by your employer as a contractual disclosure. BenefitsBridge reads it on your instruction to help you understand what you're entitled to.
Reset is January 1

Don't leave another year
of benefits on the table.

The average employee finds $1,247 their first audit. Yours will take 90 seconds. No card, no signup wall.

Start my free audit →
PIPEDA-compliant · Hosted in Canada · We never sell to insurers.
$1,247average unclaimed each year. Find yours in 90 seconds.
Start free audit →