Now available across Canada

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

Most Canadians with employer health benefits never claim everything they're entitled to. BenefitsBridge audits your plan in 90 seconds and shows you exactly what you're missing — for free.

Find my unclaimed benefits → See how it works
Free audit — no credit card
Works with Sun Life, Manulife & Canada Life
Also checks provincial programs & tax credits
$1,247
Average unclaimed per year
per employee with benefits
23M+
Canadians with employer
health benefits
27%
Who actually claim
massage therapy coverage
Massage therapy claimed by only 27% of eligible Canadians
Vision care: under 50% utilization across all age groups
Psychology benefits: under 15% claimed (CLHIA 2024)
38% of Canadians believe they've left tax credits unclaimed
65% unaware they can amend tax returns to claim missed medical credits
Mental-health paramedical claims rose 16% in 2024 — utilization still 14%
HSA credits reset every January 1 — unused funds are gone forever
Massage therapy claimed by only 27% of eligible Canadians
Vision care: under 50% utilization across all age groups
Psychology benefits: under 15% claimed
38% of Canadians believe they've left tax credits unclaimed
HSA credits reset every January 1 — unused funds are gone forever
The problem

Your benefits booklet is 40 pages. Nobody reads it.

Insurers make claiming complicated on purpose. Here's what the average Ontario employee with a mid-tier Sun Life plan leaves on the table every year.

Typical annual benefits — Ontario employee
Dental
79% claimed
$1,500/yr
Vision
41% claimed
$400/yr
Massage
27% claimed
$500/yr
Physiotherapy
31% claimed
$500/yr
Psychology
14% claimed
$1,500/yr
HSA
31% claimed
$500/yr
Estimated unclaimed this year
$1,247
1
You don't know what you have
Benefits booklets are written in insurance language — Grade 14 reading level, 40 pages, drafted for underwriters not members. BenefitsBridge reads it for you and translates it into plain English with dollar amounts.
2
Claiming is deliberately confusing
Sun Life, Manulife, and Canada Life portals show you what you've claimed. They don't show what you haven't. This is a deliberate design choice that reduces call-centre volume for them — at your expense.
3
Provincial programs go untouched
Trillium Drug Benefit, Healthy Smiles Ontario, OHIP+, CDCP — most eligible Canadians have never heard of them. Each has a separate portal and income test. BenefitsBridge checks all of them automatically.
4
Benefits expire January 1 — silently
Most employer plans reset on January 1. Unused dental credits, HSA funds, massage allowances — gone permanently. Nobody warns you. BenefitsBridge does, 60, 30, and 7 days before reset.
Real audit · Canada Life member · Toronto

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

M
Maya, 41
Marketing Manager · Toronto SaaS company
Canada Life group plan since 2020

Maya earns $94,000 a year and has been on the same employer plan for six years. She's healthy, busy, and — like most knowledge workers in her cohort — hasn't opened her benefits booklet since onboarding week. Here's what a BenefitsBridge audit found when she uploaded her PDF.

What Maya was entitled toPer-year valueYears missedTotal unclaimed
Health Spending Account ($500/yr — used $0) Gone$5006$3,000
Vision allowance ($400/24 mo — used 0 of 3 cycles) Gone$400 / cycle3 cycles$1,200
Massage therapy ($500/yr — used $200/yr avg) Gone$3003$900
Mental-health paramedical (out-of-pocket; never claimed) Gone$300 actually paid2$600
Trillium Drug Benefit — would have qualified during 2022 Recoverable$4151$415
Medical Expense Tax Credit on out-of-pocket — never claimed 10-yr window~$110/yr6 years$660
Total unclaimed over 6 years——$6,775
⚠️
$4,700 — gone forever
HSA funds, unused vision cycles, massage credits, and prior-year paramedical entitlements expire at plan reset. Once December 31 passes, that money evaporates into the insurer's loss ratio. BenefitsBridge can't recover it — but it will make sure it never happens again.
💰
$1,075 — still recoverable today
The Trillium Drug Benefit can be backdated. The CRA Medical Expense Tax Credit allows T1-ADJ amendments for up to 10 years of missed medical expenses. Maya has $660 in recoverable tax credits and $415 in Trillium entitlement she can apply for right now — BenefitsBridge shows her exactly how.

"I had this whole time? Nobody from Canada Life ever told me about any of this. My HSA has been sitting at zero for six years."

— Maya, actual beta user response · 90 seconds after seeing her audit results
How it works

Your free audit in 3 steps

Under 2 minutes. No account required. Works with every major Canadian insurer.

→
01
📄
Upload your booklet — or answer 5 questions
Got your benefits PDF? Upload it for a precise, booklet-specific audit in ~90 seconds. No PDF handy? Answer 5 quick questions about your insurer and province and we'll estimate your gap from 8 common categories instantly — no upload needed.
→
02
🔍
We map every dollar you're owed
Our AI scans dental, vision, massage, physiotherapy, chiropractic, mental health, HSA, and naturopath coverage — then cross-references provincial programs (Trillium, CDCP, BC PharmaCare) and federal tax credits you may qualify for. Every gap shown in exact dollar terms.
03
💰
See your gap — and claim it
Your free audit shows everything you're leaving unclaimed. For $27 — less than a lunch — unlock your personalized step-by-step claim guide: exact portal paths (mysunlife.ca, Manulife eClaims, GroupNet), which receipts to upload, common rejection reasons to avoid, and year-end expiry alerts.
Features

Everything your insurer isn't telling you

Built for Canadians who want to stop leaving money on the table.

🤖
Two ways to audit — PDF or no PDF
Upload your benefits booklet PDF for a precise audit pulled from your actual plan limits. No PDF? Answer 5 quick questions — we scan 8 benefit categories against typical plan data for your insurer and province. Either way, results in under 2 minutes. Supports Sun Life, Manulife, Canada Life, Blue Cross, Desjardins, Green Shield, and more.
Your 2026 benefits audit
Dental remaining$822 available
Vision allowance$400 unused ⚠
Massage / Physio / Chiro$850 unused ⚠
Mental health$1,000 unused ⚠
HSA balance$345 — resets Jan 1
Trillium Drug BenefitLikely eligible — unclaimed
Total unclaimed$3,417
📋
Portal-specific claim guides
For every unclaimed benefit, we give you the exact portal path (mysunlife.ca → My Claims → Paramedical), what your receipt must show to avoid rejection, processing times, and the one tip that prevents 80% of denials for each benefit type.
🏛️
Provincial program checker
Automatically checks eligibility for 12+ provincial and federal programs — Trillium, Healthy Smiles, CDCP, OHIP+, BC PharmaCare, Fair PharmaCare, Alberta Blue Cross Supplemental, and Medical Expense Tax Credit — based on your province.
⏰
Year-end alert system
Most plans reset January 1. BenefitsBridge sends personalized alerts 60, 30, and 7 days before your plan year ends — listing every dollar at risk of expiring permanently with no rollover.
🧾
Medical tax credit finder
Identifies out-of-pocket medical expenses that qualify for the Medical Expense Tax Credit, Disability Tax Credit, and Canada Caregiver Credit. You can amend returns going back 10 years — most Canadians never do.
Structural advantage

Why Sun Life, Manulife, and Canada Life will never build this product

This isn't a product gap they'll close next quarter. It's a structural conflict baked into their business model — and it's permanent.

🏦
Sun Life · Manulife · Canada Life
Group insurer obligation
  • ✕Every claim a member files is a dollar out of the insurer's gross profit on that plan
  • ✕Fiduciary duty runs to shareholders and plan-sponsor employers — not plan members
  • ✕A year-end alert that drives claim volume would raise the plan's loss ratio and inflame broker and employer renewal pricing
  • ✕Portal design is explicitly optimized to reduce claim inquiries to their call centres
  • ✕No product that proactively maximizes member claims can survive a finance review at a public-company insurer
✕ Cannot build this product — structurally, not strategically
VS
🌉
BenefitsBridge
Our obligation
  • ✓Every dollar a member recovers is a dollar we helped them find — our revenue is proof of value delivered
  • ✓We are paid by the user, not the insurer. Our incentive is exactly aligned with the member's, not against it
  • ✓Year-end alerts that drive claim volume are our product — they are why members come back to claim their full entitlement every year
  • ✓We sit outside the insurer relationship entirely: information only, user-instructed, on documents the member already owns
  • ✓The moat is not a feature or a brand. It is the accounting topology of the market.
✓ Built for exactly this — and only we can be
⚖️
The accounting case, plainly stated: An insurer's gross profit on a group health block is the spread between premiums charged and claims paid out. Every additional claim a member files is a cost. A feature that proactively raises member behaviour to claim more directly reduces gross profit. Even if a product team inside Sun Life proposed it, it would not survive a finance review.
✕ Sun Life — cannot build this
✕ Manulife — cannot build this
✕ Canada Life — cannot build this
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.

💰
Full money-back guarantee — no questions asked
If your full report doesn't surface at least $200 in claimable benefits, email us and we refund every cent. We're that confident.
Free Audit
$0
No account required
  • Upload your benefits booklet (PDF)
  • 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
$27
one-time · your plan year
💰 Average user finds $1,500+ — that's a 55× return on $27.
  • Everything in Free Audit
  • All benefit gaps unlocked (not just 2)
  • Step-by-step claim guides per benefit
  • Exact portal steps, forms & receipts needed
  • Year-end expiry alerts (60, 30, 7 days)
  • Medical Expense Tax Credit calculator
Family & Annual Pass
$49
per 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

No subscription. No auto-renewal. No surprises. · Try the free audit first →

Early results

What beta users found

Our first 50 beta users ran audits on their real benefits plans. Here's what they discovered.

💰 $1,840 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."
SK
Sarah K.
Teacher, Toronto, ON
💰 $973 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."
MT
Marcus T.
Software Developer, Ottawa, ON
💰 $2,100 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."
PM
Priya M.
Nurse, Vancouver, BC
Why trust us

Built for Canadian privacy standards

Your health benefits data is sensitive. Here's how we protect it.

🔐
PIPEDA compliant
We comply with Canada's Personal Information Protection and Electronic Documents Act. Two explicit consent gates. Your data is never sold or shared with insurers, employers, or advertisers.
🇨🇦
Transparent data handling
Account data is stored on Canadian servers (AWS ca-central-1, Montreal). Your PDF is temporarily processed by Claude AI (Anthropic Inc., US-based) to perform the audit — disclosed under PIPEDA cross-border transfer rules. No human reads your document. The file is deleted immediately after analysis.
🛡️
Read-only analysis
We read your benefits booklet to audit your entitlements. We never connect to your insurer portal, never access your claims history, and never communicate with your insurer on your behalf.
⚖️
Information only
BenefitsBridge provides benefits information and guidance — not insurance or tax advice. Every claim decision is yours; final adjudication remains the insurer's.
FAQ

Common questions

Which insurers does BenefitsBridge work with? +
Full step-by-step claim guides and portal walkthroughs are available at launch for Sun Life, Manulife, and Canada Life — which cover the majority of Canadian group plans. For any other insurer, you can still upload your benefits booklet PDF and our AI will read and audit it.
Is my benefits data safe? +
Yes. We are PIPEDA compliant. All Canadian user data is stored on Canadian servers (AWS Montreal, ca-central-1). We never access your insurer portal. Your booklet PDF is automatically deleted 7 days after processing.
What provincial programs do you check? +
We check eligibility for 12 priority programs including Ontario (Trillium Drug Benefit, Healthy Smiles Ontario, OHIP+), BC (Fair PharmaCare), Alberta (Blue Cross Non-Group Coverage), and federally (Canadian Dental Care Plan, Medical Expense Tax Credit, Disability Tax Credit, Canada Caregiver Credit).
Do I need my employer's permission? +
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.
What if my benefits plan resets mid-year? +
We extract your plan-year reset date directly from your booklet during the audit. Our year-end alerts are calibrated to your specific reset date, not a generic calendar.
How is this different from just reading my booklet myself? +
Most benefits booklets are 30–50 pages of insurance language. BenefitsBridge translates this into a clear dollar-amount gap report, cross-checks your entitlements against 12+ provincial programs that aren't mentioned anywhere in your booklet, identifies federal tax credits, and generates step-by-step claiming instructions — all in 90 seconds.
Why is this a one-time payment instead of a subscription? +
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 charges once per tax year. No auto-renewal, no "cancel before it renews," no billing surprises. Pay $27 when you want the full report; that's it. If you want unlimited re-runs and family coverage, the Annual Pass is $49/year and that's fully transparent upfront.
Get started

Find your unclaimed benefits today

Free audit. No credit card. Results in 90 seconds. The average user finds $1,247 they didn't know they were leaving on the table.

Start my free audit →

No credit card. No spam. Results in 90 seconds.

Supported at launch
Sun Life
Manulife
Canada Life
+ booklet upload for any insurer
🚀
Be first when billing goes live
Full reports launch soon at $27 one-time — no subscription, no auto-renewal. Join the list and we'll email you the moment it's live. Early-access members lock in $27 forever even if we raise the price later.
No spam · No subscriptions · $27 one-time price locked in for early-access members
Free benefits audit 🔍
Most Canadians find $1,247+ unclaimed. See yours in 90 sec.
Start my free audit →
✅ Done!