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How employee health trusts can help manage ballooning benefits costs

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Their full name is Employee Life and Health Trusts and they have their own ITA provisions. There is nothing inherently in ELHTs that controls costs–short or long term. The do, however, make it more feasible to target fund (i.e. cap) benefits expenditures. The degree to which they do depends on the smarts behind the plan designs and their funding mechanisms.

Tuesday, August 23 at 11:39 am | Reply

David Blair:

I am puzzled by the link text in this article:
“ELHTs:Tax issues employers need to know about”

I do not understand why unions and their employees apparently do not need to know.

Tuesday, August 23 at 12:47 pm | Reply


Good point, especially since they are trusteed arrangements, and the collaborative governance is prescribed in the Act.

Consultants who think that ELHTs are just a successor to H&W Trusts are misinformed and missing the boat. Time for some undisturbed research, because these trusts are complex. I was also surprised that Deller omitted any reference to the most recent settlement reached with Ontario’s teachers, which prescribed terms of reference for the establishment of a new EHLT.

OTIP is going to have its hands full because for the first time it is going to have to take on a consultant’s cost management mindset, rather than the historical cost-plus administrator mindset.

Most consultants are not up to the challenge, so would not be surprised if OTIP isn’t either.

Wednesday, August 24 at 11:24 am

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