Group insurance statements for tax purposes

Get your tax receipts with just a click or two!

Visit the Client Centre in February.

Access the Client Centre

Do you need cumulative group insurance premiums or benefits amounts to file your 2020 income tax report?

Your statements for tax purposes will be automatically posted in the Documents section of the Client Centre during February 2021. No need to request them!

Cumulative premiums amount

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You will receive your cumulative premiums amount from us only if you were not employed during the entire year of 2020.


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It will be accessible in the Client Centre. You will also receive a copy in the mail.


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If you were employed the entire year, you will find the annual cumulative premiums paid amount in Box 85 of your T4.


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If you paid your premiums by preauthorized payments from Retraite Québec (formerly CARRA), your premium statement will come directly from that organization.


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Cumulative benefits amount

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You will receive your cumulative benefits amount in the Client Centre only if you made a claim and received benefits during 2020.


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It is only available in the Client Centre. No paper copies will be mailed.


Find out more

Obtain your tax receipts with just a click or two!

Visit the Client Centre in February.

FAQ

Cumulative benefits amount for tax purposes
Cumulative premiums amount for tax purposes

Cumulative benefits amount for tax purposes

What's a benefit?

A benefit is a payment or a series of payments to a person under an insurance contract.

What is a cumulative benefits amount for tax purposes?

The cumulative benefits amount for tax purposes is a document issued by La Capitale to people insured under one of its group insurance contracts to help them file their income tax report.

It shows the amounts claimed by the insured and the benefit amounts paid during the tax year. These amounts include expenses for prescription drugs, dental care and extended health care.

This document is not an official statement. However, it contains relevant information to allow the insured to establish the amount of medical expenses eligible under tax legislation.

The insured must verify the accuracy of the amounts entered in the cumulative benefits amount for tax purposes:

  • This document does not take into account claims for expenses that are not eligible under the contract and denied at the point of service.
  • The amounts entered in the “Amount submitted” and the “Amount not paid by your Insurer” columns may be inflated if the claims were submitted or processed more than once. The insured must consult his or her claims to verify the accuracy of the amounts and, if necessary, make the required adjustments.

What's the difference between a benefit statement, a detailed benefit statement and a cumulative benefit amount?

  • The benefit statement is the document that we post in the Client Centre after processing each claim. It indicates the total amount of expenses that were submitted and the total reimbursement under the claim.
  • The detailed benefit statement lists all claims made by the insured during the year. It contains all the details of processed claims. This list can be consulted and downloaded from the Client Centre.
  • The cumulative benefits amount shows the total amounts claimed by the insured and the total benefits amounts paid during the tax year. These amounts include expenses for prescription drugs, dental care and extended health care.

    For more details on the cumulative benefits amount, see the previous question.

How can I obtain a cumulative amount for my dependents?

This information is already included in the cumulative benefits amount, which sets out the amounts for each dependent and each type of health care.

How do I know which medical expenses are eligible for a tax deduction?

To obtain a list of eligible medical expenses, go to:

  • The Canada Revenue Agency website (CRA)
  • It is your responsibility to consult this list and take out services that are not eligible from the cumulative benefits amount.

It is your responsibility to consult this list and take out services that are not eligible from the cumulative benefits amount.

Why are denied claims shown in the cumulative benefits amount?

The eligible expenses in your contract that are denied may be eligible under tax legislation.

For example, if you have reached the maximum amount for physiotherapy treatments under your group insurance plan, subsequent claims will be denied by your insurer. However, the claims that were not paid by your insurance may be eligible for a tax deduction.

Why are some claims repeated?

In some cases your service or product provider (pharmacist, dentist, etc.) may send us the same electronic transaction more than once in order to make a correction.

It is therefore important to verify the amounts entered in the “Amount Submitted” and “Amount not paid by your Insurer” columns.

Will I receive a cumulative benefits amount for each of my contracts with La Capitale?

Yes. You will receive a cumulative amount for each contract.


Cumulative premiums amount for tax purposes

What's a premium?

A premium is the amount a person must pay to be covered by an insurance plan. In exchange, the insurer agrees to assume certain claimed expenses.

What is a cumulative premiums amount for tax purposes?

The cumulative premiums amount is a document that indicates the total amount billed to the insured by the insurer during the tax year.

It is issued only to insureds who are employed or retired and have paid their premiums by bank payments or cheques, after receiving an invoice from La Capitale.

Insureds who were employed the entire year will find the annual cumulative premiums paid amount in Box 85 of their T4.

Insureds who were only employed for part of the year and received an invoice from La Capitale will:

  • Receive a cumulative premiums paid amount during the period they didn’t work
    and
  • Find the premiums paid amount during the period they were employed in Box 85 of their T4.

Insureds who paid their premiums by preauthorized payments from Retraite Québec (formerly CARRA) will receive a statement from this organization.

What insurance benefits are included when calculating the cumulative premiums amount?

Only invoices for prescription drug, dental care and extended health care expenses are included when calculating the cumulative premiums amount.

What is the difference between an individual insurance invoice and a cumulative premiums amount?

  • An individual insurance invoice sets out the premiums to be paid by the insured for each insurance benefit. It is sent to the insured on a periodic basis and is available in the Client Centre.
  • The cumulative premiums amount for tax purposes is a document that indicates the total amount billed to the insured by the insurer during the tax year.

    For more details on the cumulative premiums amount, see the previous question.

Will I receive a cumulative premiums amount for each of my contracts with La Capitale?

Yes. A copy of the cumulative amount for each of your contracts that includes an insurance benefit for prescription drug, dental care or extended health care expenses will be mailed to you and will be available in the Client Centre.

What should I do if I don’t receive my cumulative amount in the mail?

The cumulative premiums amount is available at any time in the Client Centre. You can download and print it, if necessary.