Making changes to
your program

Life can change quickly. Discover how your benefits can adapt to your new reality.

The following changes are allowed at all times:

  • Contribution amount to my savings accounts
  • Investment selections
  • Choice of optional life insurance, optional accidental dismemberment insurance and optional critical illness insurance
  • Beneficiary designation
The following changes are allowed during the annual re-enrolment period:

  • Choice of option (Core, Balanced, Enhanced or Travel only) for medical and vision care
    • Increase your coverage
    • Decrease your coverage (one level of option only following 2 years in the same option)
  • Choice of option (Preventive, Balanced, Enhanced) for dental care
    • Increase your coverage
    • Decrease your coverage (one level of option only following 2 years in the same option)
  • Add or remove the Long-term disability indexation option
  • Add dependents
  • Increase payroll contributions to obtain additional flex dollars
  • Review your flex dollars allocation
Don’t remember the choices you made? Follow the path to your benefits statement!

What if...

FLEX DOLLARS
From WSP
  • No change
From your payroll contributions
  • No change: You will only be able to change your options and the allocation of flex dollars added through payroll contributions at the next re-enrolment period.
Insurance
Choices and coverage
  • Your medical and vision option (Core, Balanced, Enhanced or Travel only) and status stay the same.
  • Your dental option (Preventive, Balanced or Enhanced or Opt-out) and status stay the same.
  • Your basic life insurance, basic accidental dismemberment, and disability benefit levels will be adjusted to reflect your new salary.
Payroll contributions
  • Your long-term disability premium will be adjusted.
Lifestyle
Health spending account
  • No change
Personal spending account
  • No change
Employee and family assistance program
  • No change
Wellness program
  • No change
Virtual healthcare
  • No change
Vacation time
  • No change
  • The number of days you buy will remain the same until the next re-enrolment period, but your payroll contributions will be adjusted accordingly.
Discounts
  • No change
Savings
Investing for your projects
  • Your contributions (and the employer match) are set at a percentage of your salary. Therefore, if your salary changes, it will have an impact on the amounts deposited in your account(s).
Becoming a WSP shareholder
  • Your contributions (and the employer match) are set at a percentage of your salary. Therefore, if your salary changes, it will have an impact on the amounts deposited in your account(s).
FLEX DOLLARS
From WSP
  • The flex dollars amount is based on the status you choose for medical and vision care.
  • If you change your status under medical and vision care, your flex dollars amount will change. If you wish to cover your newly eligible spouse under medical and vision care, your flex dollars allocation will be adjusted, and you will be allowed to change your flex dollars allocation.

Note: the change must be requested within 31 days of the event.

From your payroll contributions
  • You can change the amount of additional flex dollars purchased through payroll contributions.

Note: the change must be requested within 31 days of the event.

Insurance
Choices and coverage
  • You can review your family status and choose Couple or Family under both medical and vision care and dental care.
  • You can change your option (Core, Balanced, Enhanced or Travel only) for medical and vision care.
  • You can change your option (Preventive, Balanced or Enhanced) for dental care.
  • You can add optional coverage at any time with proof of good health.

Note: the change must be requested within 31 days of the event.

Payroll contributions
  • Will be adjusted depending on your choices.
Lifestyle
Health spending account
  • You can change your flex dollars allocation.
Personal spending account
  • You can change your flex dollars allocation.
Employee and family assistance program
  • Your new spouse will be eligible for the EFAP.
Wellness program
  • No change
Virtual healthcare
  • You can add your spouse to your account.
Vacation time
  • No change
Discounts
  • No change
Savings
Investing for your projects
  • No change
  • You can change your contribution percentage. You can also contribute to a spousal RRSP. The spousal RRSP money will be owned by your spouse and will impact your RRSP limit.
Becoming a WSP shareholder
  • No change
  • You can change your contribution percentage.
FLEX DOLLARS
From WSP
  • The flex dollars allocation is based on the status you choose for medical and vision care.
  • If you change your status under medical and vision care, your flex dollars amount will change. Note that if you already have a Single-parent or a Family status, and you decide to maintain your current status, your amount of flex dollars will remain the same, but you can change your flex dollars allocation.

Note: the change must be requested within 31 days of the event.

From your payroll contributions
  • You can change the amount of additional flex dollars purchased through payroll contributions.

Note: the change must be requested within 31 days of the event.

Insurance
Choices and coverage
  • You can review your family status and choose single-parent or family under both medical and vision care and dental care.
  • You can change your option (Core, Balanced, Enhanced or Travel only) for medical and vision care.
  • You can change your option (Preventive, Balanced or Enhanced) for dental care.
  • You can add optional coverage at any time with proof of good health.

Note: the change must be requested within 31 days of the event.

Payroll contributions
  • Will be adjusted depending on your choices.
Lifestyle
Health spending account
  • You can change your flex dollars allocation.
Personal spending account
  • You can change your flex dollars allocation.
Employee and family assistance program
  • Your new child will be eligible for the EFAP.
Wellness program
  • No change
Virtual healthcare
  • You can add your child to your account.
Vacation time
  • No change
Discounts
  • No change
Savings
Investing for your projects
  • No change
  • You can change your contribution percentage.
Becoming a WSP shareholder
  • No change
  • You can change your contribution percentage.
FLEX DOLLARS
From WSP
  • No change
From your payroll contributions
  • No change
Insurance
Choices and coverage
  • No change
Payroll contributions
Lifestyle
Health spending account
  • No change
Personal spending account
  • No change
Employee and family assistance program
  • The EFAP might be able to help. Check out the variety of services available to you by clicking here.
Wellness program
  • The Wellness program might be able to help. Check out the variety of services available to you by clicking here.
Virtual healthcare
  • No change
Vacation time
  • No change
Discounts
  • No change
Savings
Investing for your projects
  • By default, your contributions (and the employer match) will cease.
  • You can choose to continue contributing under certain circumstances and receive the employer match by providing postdated cheques. For more information, contact the HR Absence Management team at CA-RH-HR-Medical-Absence@wsp.com.
Becoming a WSP shareholder
  • By default, your contributions (and the employer match) will cease.
  • You can choose to continue contributing under certain circumstances and receive the employer match by providing postdated cheques. For more information, contact the HR Absence Management team at CA-RH-HR-Medical-Absence@wsp.com.
FLEX DOLLARS
From WSP
  • Your flex dollars allocation will cease.
From your payroll contributions
  • Your payroll contributions will cease.
Insurance
Choices and coverage
  • Your coverage will end on the date indicated in your departure letter.
  • You can convert your life insurance to an individual insurance plan without having to provide evidence of insurability. If you do so, you will have to enroll within 30 days of leaving WSP’s plan and pay premiums directly to the insurer.
Lifestyle
Health spending account
  • You will have 90 days to claim expenses incurred prior to your last day of coverage.
  • Expenses incurred after the date indicated in your departure letter will not be reimbursed.
Personal spending account
  • You will have 90 days to claim expenses incurred prior to your last day of coverage.
  • Expenses incurred after the date indicated in your departure letter will not be reimbursed.
Employee and family assistance program
  • Your participation will end on the date indicated in your departure letter.
Wellness program
  • You will no longer be eligible for the Wellness program.
Virtual healthcare
  • You will no longer be eligible for Virtual healthcare.
Vacation time
  • You will no longer be eligible for additional vacation time.
Discounts
  • You will no longer be eligible for discounts.
Savings
Investing for your projects
  • Your contributions (and the employer match) will cease.
  • You will receive a termination letter from the insurer giving you options to transfer your money. This letter is typically mailed 4-6 weeks after your departure date.
  • You will have 90 days from the date of the letter to make your selections or default options will apply.
Becoming a WSP shareholder
  • You will receive a termination letter from the insurer giving you options to transfer your money. This letter is typically mailed 4-6 weeks after your departure date.
  • You can sell your shares or transfer them to a broker. If you sell your shares, you can either withdraw from the account or transfer to a RRSP or TFSA account outside of our plan.
  • You will have 90 days from the date of the letter to make your selections or default options will apply.
FLEX DOLLARS
From WSP
  • Your flex dollars allocation will cease.
From your payroll contributions
  • Your payroll contributions will cease.
Insurance
Choices and coverage
  • Your medical and vision care and dental care will continue for 12 months following the date you passed away for your dependents who were covered under medical and vison and dental prior to your death.
  • Your designated beneficiary will be able to claim your Core life insurance amount, and any optional life insurance you chose.
Payroll contributions
  • Your payroll contributions will cease.
Lifestyle
Health spending account
  • Your eligible dependents will have 90 days to claim expenses incurred prior to the date you passed away.
  • Sun Life will deposit the equivalent of 12 months of flex dollars in the HSA for your dependents.
Personal spending account
  • Your eligible dependents will have 90 days to claim expenses incurred prior to the date you passed away.
  • Expenses incurred after the date of your death will not be reimbursed.
Employee and family assistance program
  • Your eligible dependents will benefit from the EFAP for 12 months after the date you pass away.
Wellness program
  • Your participation will end.
Virtual healthcare
  • Your participation will end.
Vacation time
  • Any unused vacation will be reimbursed to your succession.
Discounts
  • Your eligibility will end.
Savings
Investing for your projects
  • Your contributions (and the employer match) will cease and Sun Life will liquidate all your assets.
  • Your beneficiary will receive information from the provider giving them options to transfer the assets.
Becoming a WSP shareholder
  • Your contributions (and the employer match) will cease.
  • Your beneficiary will receive information from the provider giving them options to transfer the assets.
FLEX DOLLARS
From WSP
  • No change
From your payroll contributions
  • No change: You will only be able to change your options and the allocation of flex dollars added through payroll contributions at the next re-enrolment period.
Insurance
Choices and coverage
  • Your choice of option (Core, Balanced, Enhanced or Travel only) and status stay the same for medical and vision care.
  • Your choice of option (Preventive, Balanced or Enhanced) and status stay the same for dental care.
  • You may reduce or cancel your optional coverage, if necessary. Note that if you reduce or cancel your optional coverage, you will need to provide proof of good health to restore it, including the amount you obtained without proof of good health.
Payroll contributions
  • No change
  • If you cancel or reduce your optional insurance, your payroll contributions will adjust accordingly.
Lifestyle
Health spending account
  • No change
Personal spending account
  • No change
Employee and family assistance program
  • The EFAP can help! You can get confidential consultations with a financial planner.
Wellness program
  • No change
Virtual healthcare
  • No change
Vacation time
  • No change
Discounts
  • No change
Savings
Investing for your projects
  • You may wish to change your payroll contributions. If that’s not enough, you may use a portion of your savings. Consult the “Using your savings” page of this website for more information. Make sure you understand the tax and contribution room implications first.
Becoming a WSP shareholder
  • You may wish to change your payroll contributions. If that’s not enough, you may use a portion of your savings. Consult the “Using your savings” page of this website for more information. Make sure you understand the tax and contribution room implications first. Note that withdrawing from the plan is a sale of your shares and you will not be eligible for dividends for shares you no longer own.

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Are you wondering what happens to your benefits if your situation changes? Click on a situation below for more details.

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For any other questions regarding leaves of absence, contact the HR Shared Services team: HRSS@wsp.com.