Use Your Benefits Before Year-End

SPECIAL REPORT: How to Use Your Benefits Before Year-End

Intro: Use It or Lose It — The Hidden Countdown on Your Benefits

Each year, thousands of Canadians let hundreds — even thousands — of dollars in unused health benefits expire unused. That’s money left on the table, and more importantly, care left undone.

Most benefit plans reset on December 31st. That means if you don’t claim what you’re entitled to before then, it vanishes.This report is your reminder — and your roadmap — to make sure you get what you paid for.

⏳ What Happens When the Clock Strikes Midnight

Most extended health plans in Canada operate on a calendar-year cycle, resetting annually on January 1. Whatever remains unclaimed in your account on December 31 does not roll over.

That includes:

RMT Massage benefits ($300–$1,000+)
Physiotherapy, chiropractic, acupuncture
Mental health services, dietitian care, orthotics

If you haven’t used them, they’re gone. No refunds. No carry-forwards.

🧾 How Much Are You Leaving Behind?

Plan Type	Typical Massage Coverage	Lost Value If Unused
Basic Employee Plan	$500/year	$500
Mid-Tier Family Plan	$750/year	$750
High-Tier Executive	$1,000+/year	$1,000+

Multiply that by physio, chiro, or mental health coverage, and you could be losing $2,000+ in unused care every year.

📅 Start Your Year-End Benefit Plan Today

Here’s what to do now to get your benefits before they reset:

Check your usage: Log into your insurance provider’s portal or call the benefits line.
Book your sessions: Schedule your RMT, physio, or wellness visits before they fill up in December.
Coordinate with family: Many plans cover spouses and children — don’t let their benefits expire either.
Use up co-pay balances: If you’ve paid out-of-pocket for some services, submit any leftover claims now.
Print receipts: For tax deductions and final reimbursements.

💬 Ruby can track all of this for you at insurance.rmtclinic.net.

🔥 Pro Tip: Prepay or Prebook for Max Value

Some clinics allow you to pre-book or even prepay appointments in December for use in January. Depending on your plan’s terms, you can still claim them before the reset.

💡 Ask: “Can I book my next three visits now and pay today?”

✅ How to Find Clinics That Help You Use Benefits Smarter

🧠 Use northtormt.com/ to search insurance-ready clinics near you
📍 Filter by direct billing, extended hours, family plans
✅ All listings are RMT-verified and insurance compliant

💬 Final Thought: Don’t Wait — You Deserve This Care

You earned these benefits. You’ve already paid for them through your job or private plan. Now is the time to cash in — not let them expire.

Don’t let stress, tension, pain, or missed treatments follow you into the new year.

Take one step: Book your appointment now. northtormt.com/ makes it simple.

✅ Action Checklist

🔍 Log in to your insurance portal and check usage
📅 Book open appointments before Dec 31
🧾 Submit all remaining claims and receipts
🧠 Use Ruby for real-time plan guidance

🏥 Visit northtormt.com/ to find verified clinics

✍️ About the Author

Henry Tse is a Canadian business strategist and wellness care advocate. As founder of the RMT Clinic Network Organization, he helps Canadians make the most of their para-medical insurance coverage with clarity, empowerment, and strategic use.