{"id":14511,"date":"2025-08-12T23:34:09","date_gmt":"2025-08-13T04:34:09","guid":{"rendered":"https:\/\/twinn.ca\/?p=14511"},"modified":"2025-10-13T19:59:40","modified_gmt":"2025-10-14T00:59:40","slug":"compte-mieux-etre","status":"publish","type":"post","link":"https:\/\/twinn.ca\/fr\/compte-mieux-etre\/","title":{"rendered":"Compte de mieux-\u00eatre : Avantages, fiscalit\u00e9 et guide pratique"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Aujourd\u2019hui, les employ\u00e9s attendent plus qu\u2019une simple couverture sant\u00e9 et dentaire. Ils recherchent des avantages qui soutiennent leur bien-\u00eatre global et s\u2019adaptent \u00e0 leur mode de vie. Un Compte de mieux-\u00eatre (CME) r\u00e9pond exactement \u00e0 ce besoin, offrant aux employ\u00e9s la libert\u00e9 d\u2019investir dans ce qui compte vraiment pour leur sant\u00e9, que ce soit des cours de fitness, des s\u00e9ances de th\u00e9rapie ou du mobilier ergonomique pour le bureau \u00e0 domicile. Ces comptes vont au-del\u00e0 des avantages traditionnels, permettant aux employeurs de renforcer l\u2019engagement, le moral et la fid\u00e9lisation des \u00e9quipes. Dans cet article, nous verrons ce qu\u2019est un CME, pourquoi il est important pour les employeurs, comment il fonctionne et quels types sont disponibles au Canada.   <\/p>\n\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id14511_52589d-e5{margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-id14511_52589d-e5 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id14511_52589d-e5 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id14511_52589d-e5 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-lg, 3rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-lg, 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3rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 1024px){.kb-row-layout-id14511_52589d-e5{border-top:4px double var(--global-palette1, #3182CE);border-right:4px double var(--global-palette1, #3182CE);border-bottom:4px double var(--global-palette1, #3182CE);border-left:4px double var(--global-palette1, #3182CE);}}@media all and (max-width: 767px){.kb-row-layout-id14511_52589d-e5 > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-md, 2rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id14511_52589d-e5{border-top:4px double var(--global-palette1, #3182CE);border-right:4px double var(--global-palette1, #3182CE);border-bottom:4px double var(--global-palette1, #3182CE);border-left:4px double var(--global-palette1, #3182CE);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id14511_52589d-e5 alignnone kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column14511_5a6ffb-09 > .kt-inside-inner-col,.kadence-column14511_5a6ffb-09 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column14511_5a6ffb-09 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14511_5a6ffb-09 > .kt-inside-inner-col{flex-direction:column;}.kadence-column14511_5a6ffb-09 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14511_5a6ffb-09 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14511_5a6ffb-09{position:relative;}@media all and (max-width: 1024px){.kadence-column14511_5a6ffb-09 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14511_5a6ffb-09 > .kt-inside-inner-col{padding-right:0px;padding-left:0px;flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14511_5a6ffb-09\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading14511_058af8-d7, .wp-block-kadence-advancedheading.kt-adv-heading14511_058af8-d7[data-kb-block=\"kb-adv-heading14511_058af8-d7\"]{font-style:normal;border-left:20px solid transparent;}.wp-block-kadence-advancedheading.kt-adv-heading14511_058af8-d7 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14511_058af8-d7[data-kb-block=\"kb-adv-heading14511_058af8-d7\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading14511_058af8-d7 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14511_058af8-d7[data-kb-block=\"kb-adv-heading14511_058af8-d7\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14511_058af8-d7, .wp-block-kadence-advancedheading.kt-adv-heading14511_058af8-d7[data-kb-block=\"kb-adv-heading14511_058af8-d7\"]{border-left:20px solid transparent;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading14511_058af8-d7, .wp-block-kadence-advancedheading.kt-adv-heading14511_058af8-d7[data-kb-block=\"kb-adv-heading14511_058af8-d7\"]{border-left:20px solid transparent;}}<\/style>\n<h3 class=\"kt-adv-heading14511_058af8-d7 wp-block-kadence-advancedheading has-theme-palette-3-color has-text-color\" data-kb-block=\"kb-adv-heading14511_058af8-d7\">Points Cl\u00e9s<\/h3>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14511_1e5d91-81:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14511_1e5d91-81 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14511_1e5d91-81 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14511_1e5d91-81 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14511_1e5d91-81 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items14511_1e5d91-81 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14511_7ccf96-4a .kt-svg-icon-list-single{color:var(--global-palette1, #3182CE) !important;}.kt-svg-icon-list-item-14511_7ccf96-4a .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-right:0px;padding-bottom:0px;padding-left:0px;}@media all and (max-width: 1024px){.kt-svg-icon-list-item-14511_7ccf96-4a .kt-svg-icon-list-text mark.kt-highlight{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;}}@media all and (max-width: 767px){.kt-svg-icon-list-item-14511_7ccf96-4a .kt-svg-icon-list-text mark.kt-highlight{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;}}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14511_7ccf96-4a\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Soutien flexible pour le bien-\u00eatre <\/strong>: Les CMEs financent les d\u00e9penses li\u00e9es \u00e0 la sant\u00e9 physique, mentale et \u00e9motionnelle, des abonnements au gym aux applications de m\u00e9ditation ou de th\u00e9rapie.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14511_74011e-ce .kt-svg-icon-list-single{color:var(--global-palette1, #3182CE) !important;}.kt-svg-icon-list-item-14511_74011e-ce .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-right:0px;padding-bottom:0px;padding-left:0px;}@media all and (max-width: 1024px){.kt-svg-icon-list-item-14511_74011e-ce .kt-svg-icon-list-text mark.kt-highlight{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;}}@media all and (max-width: 767px){.kt-svg-icon-list-item-14511_74011e-ce .kt-svg-icon-list-text mark.kt-highlight{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;}}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14511_74011e-ce\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Engagement et fid\u00e9lisation :<\/strong> Les organisations offrant un CME peuvent am\u00e9liorer le moral, r\u00e9duire l\u2019\u00e9puisement professionnel et montrer leur engagement envers le bien-\u00eatre du personnel.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14511_0db2fc-52 .kt-svg-icon-list-single{color:var(--global-palette1, #3182CE) !important;}.kt-svg-icon-list-item-14511_0db2fc-52 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-right:0px;padding-bottom:0px;padding-left:0px;}@media all and (max-width: 1024px){.kt-svg-icon-list-item-14511_0db2fc-52 .kt-svg-icon-list-text mark.kt-highlight{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;}}@media all and (max-width: 767px){.kt-svg-icon-list-item-14511_0db2fc-52 .kt-svg-icon-list-text mark.kt-highlight{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;}}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14511_0db2fc-52\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Conception du plan <\/strong>: Des structures de plafond r\u00e9fl\u00e9chies, des directives claires sur les d\u00e9penses admissibles et une communication int\u00e9gr\u00e9e maximisent la participation et la valeur per\u00e7ue.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14511_24b8d8-68 .kt-svg-icon-list-single{color:var(--global-palette1, #3182CE) !important;}.kt-svg-icon-list-item-14511_24b8d8-68 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-right:0px;padding-bottom:0px;padding-left:0px;}@media all and (max-width: 1024px){.kt-svg-icon-list-item-14511_24b8d8-68 .kt-svg-icon-list-text mark.kt-highlight{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;}}@media all and (max-width: 767px){.kt-svg-icon-list-item-14511_24b8d8-68 .kt-svg-icon-list-text mark.kt-highlight{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;}}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14511_24b8d8-68\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Aspects fiscaux <\/strong>: Les CMEs sont g\u00e9n\u00e9ralement des avantages imposables au Canada, donc il est essentiel de bien expliquer les remboursements et les implications sur la paie.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14511_7abd2e-a0 .kt-svg-icon-list-single{color:var(--global-palette1, #3182CE) !important;}.kt-svg-icon-list-item-14511_7abd2e-a0 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-right:0px;padding-bottom:0px;padding-left:0px;}@media all and (max-width: 1024px){.kt-svg-icon-list-item-14511_7abd2e-a0 .kt-svg-icon-list-text mark.kt-highlight{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;}}@media all and (max-width: 767px){.kt-svg-icon-list-item-14511_7abd2e-a0 .kt-svg-icon-list-text mark.kt-highlight{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;}}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14511_7abd2e-a0\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Timing et besoins des employ\u00e9s :<\/strong> Les CMEs fonctionnent mieux lorsqu\u2019ils compl\u00e8tent les offres de bien-\u00eatre existantes et correspondent aux priorit\u00e9s des employ\u00e9s.<\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"what-is-a-wellness-spending-account\">Qu\u2019est-ce qu\u2019un compte de d\u00e9penses de mieux-\u00eatre?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Un Compte de mieux-\u00eatre (CME) est une allocation financ\u00e9e par l\u2019employeur qui rembourse les d\u00e9penses li\u00e9es au bien-\u00eatre. Contrairement aux comptes de d\u00e9penses sant\u00e9, qui sont limit\u00e9s aux frais m\u00e9dicaux approuv\u00e9s par l\u2019ARC, les CMEs peuvent couvrir les abonnements au gym, les s\u00e9ances de counselling, le mat\u00e9riel ergonomique ou les programmes de nutrition. En laissant aux employ\u00e9s le choix de l\u2019utilisation de leur allocation, le CME leur permet d\u2019adapter le soutien \u00e0 leurs besoins personnels et \u00e0 leur mode de vie.  <\/p>\n\n\n<style>.kb-image14511_a9a587-30 .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<figure class=\"wp-block-kadence-image kb-image14511_a9a587-30 size-full\"><img decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/08\/young-female-employee-benefits-from-wellness-spending-account-gym-membership.webp\" alt=\"Une jeune employ\u00e9e paie son abonnement \u00e0 un gym en utilisant un compte de mieux-\u00eatre\" class=\"kb-img wp-image-14431\" srcset=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/08\/young-female-employee-benefits-from-wellness-spending-account-gym-membership.webp 1000w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/08\/young-female-employee-benefits-from-wellness-spending-account-gym-membership-300x200.webp 300w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/08\/young-female-employee-benefits-from-wellness-spending-account-gym-membership-768x512.webp 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-large-font-size\" id=\"are-wsas-the-same-as-wellness-stipends\">Un CME est-il la m\u00eame chose qu\u2019une allocation bien-\u00eatre ? <\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Certains employeurs parlent aussi d\u2019allocation bien-\u00eatre ou d\u2019allocation sant\u00e9 et mieux-\u00eatre, offrant un montant fixe pour des d\u00e9penses li\u00e9es au fitness, \u00e0 la sant\u00e9 mentale et au bien-\u00eatre. En gros, une allocation bien-\u00eatre est un fonds pr\u00e9allou\u00e9 par l\u2019employeur pour soutenir vos objectifs personnels de bien-\u00eatre. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bien que similaires dans leur objectif, une allocation bien-\u00eatre diff\u00e8re d\u2019un CME dans sa structure et sa gestion. Une allocation est g\u00e9n\u00e9ralement un montant fixe donn\u00e9 directement \u00e0 l\u2019employ\u00e9, offrant une grande flexibilit\u00e9 avec peu de suivi. \u00c0 l\u2019inverse, un CME est un compte officiel avec des cat\u00e9gories admissibles d\u00e9finies, un processus de soumission de d\u00e9penses et une allocation annuelle, souvent g\u00e9r\u00e9 via une plateforme de prestations ou un assureur. Cette structure assure conformit\u00e9, contr\u00f4le et utilisation appropri\u00e9e des fonds, tout en soutenant la sant\u00e9 et le bien-\u00eatre des employ\u00e9s.   <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"why-employers-offer-wsas\">Pourquoi les employeurs proposent-ils des CMEs ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les employeurs utilisent les CMEs pour moderniser leurs r\u00e9gimes collectifs. Les couvertures sant\u00e9 et dentaire traditionnelles r\u00e9pondent aux besoins essentiels, mais ne refl\u00e8tent pas toujours les priorit\u00e9s actuelles des employ\u00e9s en mati\u00e8re de sant\u00e9 mentale, de fitness et d\u2019\u00e9quilibre vie-travail. Int\u00e9grer des <a href=\"https:\/\/twinn.ca\/fr\/compte-depenses-employes\/\" data-type=\"link\" data-id=\"https:\/\/twinn.ca\/fr\/compte-depenses-employes\/\">comptes de d\u00e9penses pour employ\u00e9s<\/a> \u00e0 votre r\u00e9gime collectif d\u00e9montre votre engagement envers leur bien-\u00eatre, renforce le moral des troupes et aide \u00e0 attirer ainsi qu\u2019\u00e0 retenir les talents dans des secteurs comp\u00e9titifs.<\/p>\n\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id14511_4dd517-9f{margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-id14511_4dd517-9f > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id14511_4dd517-9f > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id14511_4dd517-9f > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-md, 2rem);padding-bottom:var(--global-kb-spacing-md, 2rem);grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id14511_4dd517-9f{border-top-left-radius:12px;border-top-right-radius:12px;border-bottom-right-radius:12px;border-bottom-left-radius:12px;overflow:clip;isolation:isolate;}.kb-row-layout-id14511_4dd517-9f > .kt-row-layout-overlay{border-top-left-radius:12px;border-top-right-radius:12px;border-bottom-right-radius:12px;border-bottom-left-radius:12px;}.kb-row-layout-id14511_4dd517-9f{box-shadow:0px 0px 12px 3px rgba(0, 0, 0, 0.2);}.kb-row-layout-id14511_4dd517-9f{background-color:rgba(57,188,122,0.26);}.kb-row-layout-id14511_4dd517-9f > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id14511_4dd517-9f > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-lg, 3rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 767px){.kb-row-layout-id14511_4dd517-9f > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-md, 2rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id14511_4dd517-9f alignnone kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column14511_c6ea81-06 > .kt-inside-inner-col,.kadence-column14511_c6ea81-06 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column14511_c6ea81-06 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14511_c6ea81-06 > .kt-inside-inner-col{flex-direction:column;}.kadence-column14511_c6ea81-06 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14511_c6ea81-06 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14511_c6ea81-06{position:relative;}@media all and (max-width: 1024px){.kadence-column14511_c6ea81-06 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14511_c6ea81-06 > .kt-inside-inner-col{padding-right:0px;padding-left:0px;flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14511_c6ea81-06\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading14511_bf705a-9e, .wp-block-kadence-advancedheading.kt-adv-heading14511_bf705a-9e[data-kb-block=\"kb-adv-heading14511_bf705a-9e\"]{text-align:center;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading14511_bf705a-9e mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14511_bf705a-9e[data-kb-block=\"kb-adv-heading14511_bf705a-9e\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading14511_bf705a-9e img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14511_bf705a-9e[data-kb-block=\"kb-adv-heading14511_bf705a-9e\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h4 class=\"kt-adv-heading14511_bf705a-9e wp-block-kadence-advancedheading has-theme-palette-3-color has-text-color\" data-kb-block=\"kb-adv-heading14511_bf705a-9e\">Avantages<\/h4>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14511_03a3bd-8d:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14511_03a3bd-8d ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14511_03a3bd-8d ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14511_03a3bd-8d ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14511_03a3bd-8d ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items14511_03a3bd-8d kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14511_ff456c-29 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14511_ff456c-29\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Flexibilit\u00e9 <\/strong>: Les employ\u00e9s choisissent comment utiliser les fonds, des abonnements au gym aux s\u00e9ances de th\u00e9rapie.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14511_3be8fe-16 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14511_3be8fe-16\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Am\u00e9lioration du moral et de l\u2019engagement :<\/strong> Les CMEs favorisent l\u2019engagement, soutiennent le moral et contribuent \u00e0 un environnement de travail plus sain et productif.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14511_60b67e-ed .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14511_60b67e-ed\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Pr\u00e9visibilit\u00e9 des co\u00fbts :<\/strong> Les employeurs ma\u00eetrisent le budget en fixant une allocation annuelle.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14511_3b6709-fc .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14511_3b6709-fc\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Avantage concurrentiel :<\/strong> Les CMEs distinguent les r\u00e9gimes d\u2019avantages, s\u00e9duisant particuli\u00e8rement les employ\u00e9s plus jeunes ou soucieux de leur sant\u00e9 (en 2024, &nbsp;<a href=\"https:\/\/electroiq.com\/stats\/employee-wellness-statistics\/\" data-type=\"link\" data-id=\"https:\/\/electroiq.com\/stats\/employee-wellness-statistics\/\" target=\"_blank\" rel=\"noopener\"><strong>93 %<\/strong> &nbsp;des employ\u00e9s<\/a> consid\u00e8rent le soutien au bien-\u00eatre aussi important que le salaire). <\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14511_69fc5d-ca .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14511_69fc5d-ca\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Inclusivit\u00e9 :<\/strong> Ils couvrent des besoins vari\u00e9s, de la sant\u00e9 mentale au fitness.<\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column14511_a2c3e5-e3 > .kt-inside-inner-col,.kadence-column14511_a2c3e5-e3 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column14511_a2c3e5-e3 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14511_a2c3e5-e3 > .kt-inside-inner-col{flex-direction:column;}.kadence-column14511_a2c3e5-e3 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14511_a2c3e5-e3 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14511_a2c3e5-e3{position:relative;}@media all and (max-width: 1024px){.kadence-column14511_a2c3e5-e3 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14511_a2c3e5-e3 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14511_a2c3e5-e3\"><div class=\"kt-inside-inner-col\">\n<h4 class=\"wp-block-heading has-text-align-center\" id=\"drawbacks-1\">Inconv\u00e9nients<\/h4>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14511_46c91c-0b:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14511_46c91c-0b ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14511_46c91c-0b ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14511_46c91c-0b ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14511_46c91c-0b ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items14511_46c91c-0b kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14511_b028e0-37 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14511_b028e0-37\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_xCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><line x1=\"15\" y1=\"9\" x2=\"9\" y2=\"15\"\/><line x1=\"9\" y1=\"9\" x2=\"15\" y2=\"15\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Avantage imposable :<\/strong> Contrairement aux comptes de d\u00e9penses sant\u00e9, les CMEs sont ajout\u00e9s au revenu imposable.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14511_048841-dc .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14511_048841-dc\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_xCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><line x1=\"15\" y1=\"9\" x2=\"9\" y2=\"15\"\/><line x1=\"9\" y1=\"9\" x2=\"15\" y2=\"15\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Administration n\u00e9cessaire <\/strong>: Les demandes doivent \u00eatre suivies, rembours\u00e9es et d\u00e9clar\u00e9es correctement.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14511_9a7600-bf .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14511_9a7600-bf\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_xCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><line x1=\"15\" y1=\"9\" x2=\"9\" y2=\"15\"\/><line x1=\"9\" y1=\"9\" x2=\"15\" y2=\"15\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Sous-utilisation possible :<\/strong> Sans communication ad\u00e9quate, les employ\u00e9s peuvent oublier de r\u00e9clamer.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14511_d5af9b-fb .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14511_d5af9b-fb\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_xCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><line x1=\"15\" y1=\"9\" x2=\"9\" y2=\"15\"\/><line x1=\"9\" y1=\"9\" x2=\"15\" y2=\"15\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>D\u00e9fis budg\u00e9taires :<\/strong> Une participation sup\u00e9rieure aux attentes peut faire d\u00e9passer les co\u00fbts pr\u00e9vus.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14511_bb710e-fd .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14511_bb710e-fd\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_xCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><line x1=\"15\" y1=\"9\" x2=\"9\" y2=\"15\"\/><line x1=\"9\" y1=\"9\" x2=\"15\" y2=\"15\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Ne remplace pas la couverture de base : <\/strong>Les CMEs ne remplacent pas la couverture sant\u00e9 et dentaire essentielle.<\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"how-does-a-wellness-spending-account-work\">Comment fonctionne un Compte de mieux-\u00eatre ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un Compte de mieux-\u00eatre (CME) est simple \u00e0 utiliser : l\u2019employeur fixe une allocation annuelle (g\u00e9n\u00e9ralement entre 500 et 1\u202f000 $ par employ\u00e9). Les employ\u00e9s paient d\u2019abord leurs d\u00e9penses admissibles, soumettent les re\u00e7us via une plateforme ou l\u2019\u00e9quipe RH, et sont rembours\u00e9s jusqu\u2019\u00e0 concurrence de leur solde. L\u2019\u00e9ligibilit\u00e9 (par exemple, employ\u00e9s \u00e0 temps plein vs temps partiel, allocation au prorata des heures travaill\u00e9es) est d\u00e9finie par l\u2019employeur. Les fonds sont g\u00e9n\u00e9ralement r\u00e9initialis\u00e9s chaque ann\u00e9e et rarement report\u00e9s. Tous les remboursements sont consid\u00e9r\u00e9s comme un revenu imposable.    <\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"types-of-wellness-spending-accounts\">Types de Comptes de mieux-\u00eatre<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Les CMEs peuvent varier selon ce que l\u2019employeur souhaite couvrir. Certains sont ax\u00e9s sur le fitness, <a href=\"https:\/\/www.getmyhsa.com\/post\/5-surprising-ways-to-use-your-wellness-spending-account\" data-type=\"link\" data-id=\"https:\/\/www.getmyhsa.com\/post\/5-surprising-ways-to-use-your-wellness-spending-account\" target=\"_blank\" rel=\"noopener\">d\u2019autres incluent un large \u00e9ventail <\/a>de soutiens physiques, mentaux et li\u00e9s au mode de vie. <\/p>\n\n\n\n<figure class=\"wp-block-table alignfull is-style-stripes\"><table class=\"has-background\" style=\"background-color:#39bd7bc4;border-width:2px\"><thead><tr><th><strong>Type de CME<\/strong><\/th><th><strong>Ce que \u00e7a couvre<\/strong><\/th><th><strong>Id\u00e9al pour<\/strong><\/th><\/tr><\/thead><tbody><tr><td><strong>Ax\u00e9 sur le conditionnement physique<\/strong><\/td><td>Abonnements \u00e0 des gymnases, ligues sportives, moniteurs d\u2019activit\u00e9 physique, \u00e9quipement d\u2019exercice \u00e0 domicile<\/td><td>Entreprises favorisant la sant\u00e9 physique<\/td><\/tr><tr><td><strong>Ax\u00e9 sur la sant\u00e9 mentale<\/strong><\/td><td>Th\u00e9rapie, counseling, applications de m\u00e9ditation, retraites de pleine conscience<\/td><td>Les milieux de travail accordent la priorit\u00e9 \u00e0 la r\u00e9duction du stress<\/td><\/tr><tr><td><strong>Ax\u00e9 sur le bien-\u00eatre holistique<\/strong><\/td><td>Combinaison fitness, sant\u00e9 mentale, nutrition, mat\u00e9riel ergonomique, arr\u00eat du tabac<\/td><td>Le plus courant \u2013 offre un large choix aux employ\u00e9s<\/td><\/tr><tr><td><strong>Adapt\u00e9 aux familles<\/strong><\/td><td>Couverture \u00e9tendue aux personnes \u00e0 charge (p. ex., laissez-passer familial pour le gymnase, programmes de nutrition)<\/td><td>Employeurs soutenant l\u2019\u00e9quilibre vie-travail<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"wellness-spending-account-vs-lifestyle-spending-account\">Compte de mieux-\u00eatre vs Compte de style de vie<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Bien que les CMEs et les <a href=\"https:\/\/twinn.ca\/fr\/compte-depenses-style-de-vie\/\" data-type=\"link\" data-id=\"https:\/\/twinn.ca\/fr\/compte-depenses-style-de-vie\/\">comptes de style de vie (CSL)<\/a> soient tous deux des avantages flexibles, ils servent des objectifs l\u00e9g\u00e8rement diff\u00e9rents et couvrent des types de d\u00e9penses distincts. Comprendre cette distinction aide les employeurs \u00e0 concevoir des avantages qui compl\u00e8tent la couverture sant\u00e9 traditionnelle tout en r\u00e9pondant aux besoins vari\u00e9s des employ\u00e9s.<\/p>\n\n\n\n<figure class=\"wp-block-table alignfull is-style-stripes\"><table class=\"has-background\" style=\"background-color:#39bd7bd1;border-width:2px\"><thead><tr><th><strong>Aspect<\/strong><\/th><th><strong>Compte de mieux-\u00eatre (CME)<\/strong><\/th><th><strong>Compte de style de vie (CSL)<\/strong><\/th><\/tr><\/thead><tbody><tr><td><strong>Objet<\/strong><\/td><td>Ax\u00e9 sur le bien-\u00eatre physique, mental et \u00e9motionnel<\/td><td>Un soutien plus large au mode de vie global et au d\u00e9veloppement personnel<\/td><\/tr><tr><td><strong>D\u00e9penses admissibles<\/strong><\/td><td>Abonnements \u00e0 un gymnase, th\u00e9rapie, applications de m\u00e9ditation, programmes de nutrition, \u00e9quipement ergonomique<\/td><td>Garde d\u2019enfants, soins aux a\u00een\u00e9s, perfectionnement professionnel, d\u00e9placements, passe-temps, voyages, repas<\/td><\/tr><tr><td><strong>Traitement fiscal<\/strong><\/td><td>Habituellement imposable au Canada<\/td><td>Toujours imposable au Canada<\/td><\/tr><tr><td><strong>Choix de l\u2019employ\u00e9<\/strong><\/td><td>Les employ\u00e9s choisissent les d\u00e9penses li\u00e9es au mieux-\u00eatre<\/td><td>Les employ\u00e9s choisissent parmi une grande vari\u00e9t\u00e9 de d\u00e9penses li\u00e9es au mode de vie<\/td><\/tr><tr><td><strong>Orientation de l\u2019employeur<\/strong><\/td><td>Promouvoir des employ\u00e9s plus sains, plus engag\u00e9s et plus productifs<\/td><td>Soutenir la conciliation travail-vie personnelle et la croissance personnelle<\/td><\/tr><tr><td><strong>Int\u00e9gration avec les avantages sociaux<\/strong><\/td><td>Compl\u00e8te les comptes de d\u00e9penses de sant\u00e9 et les assurances traditionnelles<\/td><td>Souvent superpos\u00e9 aux CMEs ou autres avantages de base pour plus de flexibilit\u00e9<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">En r\u00e9sum\u00e9, les CMEs se concentrent principalement sur la sant\u00e9 et le bien-\u00eatre, tandis que les CSL soutiennent plus largement le mode de vie et l\u2019\u00e9quilibre personnel. Beaucoup d\u2019employeurs combinent les deux pour offrir aux employ\u00e9s une flexibilit\u00e9 maximale tout en conservant un budget pr\u00e9visible. <\/p>\n<\/blockquote>\n\n\n<style>.kb-image14511_4ec51d-d2 .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<figure class=\"wp-block-kadence-image kb-image14511_4ec51d-d2 size-full\"><img decoding=\"async\" width=\"1000\" height=\"762\" src=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/08\/young-healthy-employees-working-together-in-ergonomic-workspace-paid-with-wellness-benefits.webp\" alt=\"\" class=\"kb-img wp-image-14427\" srcset=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/08\/young-healthy-employees-working-together-in-ergonomic-workspace-paid-with-wellness-benefits.webp 1000w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/08\/young-healthy-employees-working-together-in-ergonomic-workspace-paid-with-wellness-benefits-300x229.webp 300w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/08\/young-healthy-employees-working-together-in-ergonomic-workspace-paid-with-wellness-benefits-768x585.webp 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"how-we-can-help-you-choose-set-up-the-right-wsa\">Comment nous pouvons vous aider \u00e0 choisir et mettre en place le CME id\u00e9al<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Cr\u00e9er un Compte de mieux-\u00eatre vraiment efficace ne se limite pas \u00e0 fixer un montant. Il s\u2019agit d\u2019aligner l\u2019allocation sur les priorit\u00e9s de bien-\u00eatre des employ\u00e9s, de respecter les r\u00e8gles de l\u2019ARC et d\u2019int\u00e9grer le compte harmonieusement \u00e0 votre r\u00e9gime d\u2019avantages. C\u2019est l\u00e0 que notre expertise intervient.  <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En tant que cabinet-conseil en avantages sociaux, nous vous accompagnons \u00e0 chaque \u00e9tape :<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14511_c344f3-8f:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14511_c344f3-8f ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14511_c344f3-8f ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14511_c344f3-8f ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14511_c344f3-8f ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items14511_c344f3-8f kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14511_fd0ddf-3f .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14511_fd0ddf-3f\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>\u00c9valuation des besoins :<\/strong> analyse de vos employ\u00e9s, normes sectorielles et priorit\u00e9s de bien-\u00eatre pour d\u00e9finir le niveau d\u2019allocation et les cat\u00e9gories admissibles.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14511_f6fc6f-32 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14511_f6fc6f-32\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Conception du plan <\/strong>: d\u00e9terminer allocation fixe ou \u00e9chelonn\u00e9e, choisir les cat\u00e9gories les plus pertinentes et structurer le CME pour favoriser l\u2019\u00e9quit\u00e9, l\u2019engagement et des b\u00e9n\u00e9fices tangibles.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14511_472d76-80 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14511_472d76-80\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Conformit\u00e9 et fiscalit\u00e9 :<\/strong> s\u2019assurer que le programme respecte les r\u00e8gles fiscales canadiennes et expliquer clairement aux employ\u00e9s le traitement des remboursements.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14511_d415cc-3c .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14511_d415cc-3c\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>S\u00e9lection de la plateforme et du fournisseur :<\/strong> identifier le partenaire id\u00e9al pour l\u2019administration, l\u2019int\u00e9gration \u00e0 la paie et l\u2019exp\u00e9rience employ\u00e9.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14511_f7c36c-7e .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14511_f7c36c-7e\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Mise en \u0153uvre et lancement :<\/strong> accompagner le d\u00e9ploiement avec des communications claires et engageantes afin que les employ\u00e9s comprennent comment utiliser leur CME d\u00e8s le d\u00e9part.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14511_7875c2-4a .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14511_7875c2-4a\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Optimisation continue :<\/strong> suivre l\u2019utilisation, recueillir les retours et ajuster le plan pour qu\u2019il reste pertinent et efficace ann\u00e9e apr\u00e8s ann\u00e9e.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Notre objectif est simple : cr\u00e9er un CME adapt\u00e9 \u00e0 votre entreprise, soutenant le bien-\u00eatre des employ\u00e9s, favorisant l\u2019engagement et simplifiant l\u2019administration des avantages.<\/p>\n<\/blockquote>\n\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id14511_a47a52-0a{margin-top:var(--global-kb-spacing-sm, 1.5rem);margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-id14511_a47a52-0a > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id14511_a47a52-0a > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id14511_a47a52-0a > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, calc(60% - ((var(--global-kb-gap-none, 0rem ) * 1 )\/2)))minmax(0, calc(40% - ((var(--global-kb-gap-none, 0rem ) * 1 )\/2)));}.kb-row-layout-id14511_a47a52-0a{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;overflow:clip;isolation:isolate;}.kb-row-layout-id14511_a47a52-0a > .kt-row-layout-overlay{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}.kb-row-layout-id14511_a47a52-0a > .kt-row-layout-overlay{opacity:0.17;background:linear-gradient(90deg,var(--global-palette2) 3%,var(--global-palette6,#f2f0e8) 100%);}@media all and (max-width: 1024px){.kb-row-layout-id14511_a47a52-0a > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-md, 2rem);grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id14511_a47a52-0a > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id14511_a47a52-0a alignnone has-theme-palette8-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-layout-overlay kt-row-overlay-gradient\"><\/div><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-left-golden kt-tab-layout-row kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column14511_aeca2e-46 > .kt-inside-inner-col,.kadence-column14511_aeca2e-46 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column14511_aeca2e-46 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14511_aeca2e-46 > .kt-inside-inner-col{flex-direction:column;}.kadence-column14511_aeca2e-46 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14511_aeca2e-46 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14511_aeca2e-46{position:relative;}@media all and (max-width: 1024px){.kadence-column14511_aeca2e-46 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14511_aeca2e-46 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14511_aeca2e-46\"><div class=\"kt-inside-inner-col\"><style>.kadence-column14511_819339-2e > .kt-inside-inner-col{display:flex;}#wrapper.site{overflow:clip;}.kadence-column14511_819339-2e{--kb-section-setting-offset:90px;}.kadence-column14511_819339-2e > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kadence-column14511_819339-2e > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14511_819339-2e > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column14511_819339-2e > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column14511_819339-2e{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14511_819339-2e{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14511_819339-2e > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column14511_819339-2e > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14511_819339-2e{text-align:left;}.kadence-column14511_819339-2e{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column14511_819339-2e{align-self:flex-start;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14511_819339-2e{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14511_819339-2e > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 1024px){.kadence-column14511_819339-2e > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column14511_819339-2e{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14511_819339-2e{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14511_819339-2e > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column14511_819339-2e > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14511_819339-2e kb-section-is-sticky kb-section-dir-vertical o-sticky o-sticky-scope-main-area o-sticky-pos-top o-sticky-bhvr-keep\" data-aos=\"fade-right\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading14511_01218f-03, .wp-block-kadence-advancedheading.kt-adv-heading14511_01218f-03[data-kb-block=\"kb-adv-heading14511_01218f-03\"]{font-size:var(--global-kb-font-size-lg, 2rem);font-style:normal;font-family:var( --global-heading-font-family, inherit );}.wp-block-kadence-advancedheading.kt-adv-heading14511_01218f-03 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14511_01218f-03[data-kb-block=\"kb-adv-heading14511_01218f-03\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading14511_01218f-03 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14511_01218f-03[data-kb-block=\"kb-adv-heading14511_01218f-03\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14511_01218f-03, .wp-block-kadence-advancedheading.kt-adv-heading14511_01218f-03[data-kb-block=\"kb-adv-heading14511_01218f-03\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading14511_01218f-03, .wp-block-kadence-advancedheading.kt-adv-heading14511_01218f-03[data-kb-block=\"kb-adv-heading14511_01218f-03\"]{text-align:center!important;}}<\/style>\n<h4 class=\"kt-adv-heading14511_01218f-03 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading14511_01218f-03\">Pr\u00eat \u00e0 lancer votre compte de d\u00e9penses de mieux-\u00eatre?<\/h4>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading14511_5ead1e-8a, .wp-block-kadence-advancedheading.kt-adv-heading14511_5ead1e-8a[data-kb-block=\"kb-adv-heading14511_5ead1e-8a\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading14511_5ead1e-8a mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14511_5ead1e-8a[data-kb-block=\"kb-adv-heading14511_5ead1e-8a\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading14511_5ead1e-8a img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14511_5ead1e-8a[data-kb-block=\"kb-adv-heading14511_5ead1e-8a\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14511_5ead1e-8a, .wp-block-kadence-advancedheading.kt-adv-heading14511_5ead1e-8a[data-kb-block=\"kb-adv-heading14511_5ead1e-8a\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading14511_5ead1e-8a, .wp-block-kadence-advancedheading.kt-adv-heading14511_5ead1e-8a[data-kb-block=\"kb-adv-heading14511_5ead1e-8a\"]{text-align:center!important;}}<\/style>\n<p class=\"kt-adv-heading14511_5ead1e-8a wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading14511_5ead1e-8a\">B\u00e9n\u00e9ficiez de notre expertise pour concevoir et mettre en \u0153uvre un CME adapt\u00e9 \u00e0 votre main-d\u2019\u0153uvre. Contactez nos sp\u00e9cialistes en avantages collectifs et commencez \u00e0 soutenir le bien-\u00eatre de vos employ\u00e9s en toute confiance. <\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column14511_a36f7d-d5 > .kt-inside-inner-col{display:flex;}.kadence-column14511_a36f7d-d5 > .kt-inside-inner-col,.kadence-column14511_a36f7d-d5 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column14511_a36f7d-d5 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14511_a36f7d-d5 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column14511_a36f7d-d5 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column14511_a36f7d-d5{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14511_a36f7d-d5{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14511_a36f7d-d5 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column14511_a36f7d-d5 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14511_a36f7d-d5{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column14511_a36f7d-d5{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14511_a36f7d-d5{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14511_a36f7d-d5 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column14511_a36f7d-d5 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column14511_a36f7d-d5{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14511_a36f7d-d5{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14511_a36f7d-d5 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column14511_a36f7d-d5 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14511_a36f7d-d5\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading14511_3f57b5-df, .wp-block-kadence-advancedheading.kt-adv-heading14511_3f57b5-df[data-kb-block=\"kb-adv-heading14511_3f57b5-df\"]{margin-bottom:var(--global-kb-spacing-xs, 1rem);text-align:center;font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading14511_3f57b5-df[data-kb-block=\"kb-adv-heading14511_3f57b5-df\"]{display:flex;gap:0.25em;justify-content:center;align-items:center;}.wp-block-kadence-advancedheading.kt-adv-heading14511_3f57b5-df[data-kb-block=\"kb-adv-heading14511_3f57b5-df\"] .kb-adv-heading-icon svg{width:1em;height:1em;}.wp-block-kadence-advancedheading.kt-adv-heading14511_3f57b5-df[data-kb-block=\"kb-adv-heading14511_3f57b5-df\"] .kb-adv-heading-icon{color:var(--global-palette1, #3182CE);}.wp-block-kadence-advancedheading.kt-adv-heading14511_3f57b5-df mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14511_3f57b5-df[data-kb-block=\"kb-adv-heading14511_3f57b5-df\"] mark.kt-highlight{font-style:normal;color:var(--global-palette6, #718096);-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading14511_3f57b5-df img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14511_3f57b5-df[data-kb-block=\"kb-adv-heading14511_3f57b5-df\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14511_3f57b5-df, .wp-block-kadence-advancedheading.kt-adv-heading14511_3f57b5-df[data-kb-block=\"kb-adv-heading14511_3f57b5-df\"]{text-align:center!important;}}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14511_3f57b5-df[data-kb-block=\"kb-adv-heading14511_3f57b5-df\"]{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading14511_3f57b5-df, .wp-block-kadence-advancedheading.kt-adv-heading14511_3f57b5-df[data-kb-block=\"kb-adv-heading14511_3f57b5-df\"]{padding-bottom:0px;text-align:center!important;}.wp-block-kadence-advancedheading.kt-adv-heading14511_3f57b5-df[data-kb-block=\"kb-adv-heading14511_3f57b5-df\"]{justify-content:center;}}<\/style><p class=\"kt-adv-heading14511_3f57b5-df wp-block-kadence-advancedheading kt-adv-heading-has-icon\" data-kb-block=\"kb-adv-heading14511_3f57b5-df\"><span class=\"kb-svg-icon-wrap kb-adv-heading-icon kb-svg-icon-fas_phone-square kb-adv-heading-icon-side-left\"><svg viewBox=\"0 0 448 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M400 32H48C21.49 32 0 53.49 0 80v352c0 26.51 21.49 48 48 48h352c26.51 0 48-21.49 48-48V80c0-26.51-21.49-48-48-48zM94 416c-7.033 0-13.057-4.873-14.616-11.627l-14.998-65a15 15 0 0 1 8.707-17.16l69.998-29.999a15 15 0 0 1 17.518 4.289l30.997 37.885c48.944-22.963 88.297-62.858 110.781-110.78l-37.886-30.997a15.001 15.001 0 0 1-4.289-17.518l30-69.998a15 15 0 0 1 17.16-8.707l65 14.998A14.997 14.997 0 0 1 384 126c0 160.292-129.945 290-290 290z\"\/><\/svg><\/span><span class=\"kb-adv-text-inner\"><a href=\"tel:1-866-760-3993\" data-type=\"tel\" data-id=\"tel:1-866-760-3993\"><mark class=\"kt-highlight\">Appelez-nous une estimation gratuite <\/mark><\/a><\/span><\/p>\n\n<style>.wp-block-kadence-advancedbtn.kb-btns14511_172c4a-a9{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:center;align-items:center;}.kt-btns14511_172c4a-a9 .kt-button{font-weight:normal;font-style:normal;}.kt-btns14511_172c4a-a9 .kt-btn-wrap-0{margin-right:5px;}.wp-block-kadence-advancedbtn.kt-btns14511_172c4a-a9 .kt-btn-wrap-0 .kt-button{color:#555555;border-color:#555555;}.wp-block-kadence-advancedbtn.kt-btns14511_172c4a-a9 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns14511_172c4a-a9 .kt-btn-wrap-0 .kt-button:focus{color:#ffffff;border-color:#444444;}.wp-block-kadence-advancedbtn.kt-btns14511_172c4a-a9 .kt-btn-wrap-0 .kt-button::before{display:none;}.wp-block-kadence-advancedbtn.kt-btns14511_172c4a-a9 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns14511_172c4a-a9 .kt-btn-wrap-0 .kt-button:focus{background:#444444;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kb-btns14511_172c4a-a9{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn.kb-btns14511_172c4a-a9{justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns14511_172c4a-a9\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn14511_7cd06a-69.kb-button{width:initial;}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn .kb-btn14511_7cd06a-69.kb-button{font-size:var(--global-kb-font-size-sm, 0.9rem);}}<\/style><a class=\"kb-button kt-button button kb-btn14511_7cd06a-69 kt-btn-size-standard kt-btn-width-type-auto kb-btn-global-inherit kt-btn-has-text-true kt-btn-has-svg-true wp-block-button__link wp-block-kadence-singlebtn\" href=\"https:\/\/twinn.ca\/fr\/contact\/\"><span class=\"kt-btn-inner-text\">Contacter Maintenant<\/span><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_arrowRightCircle kt-btn-icon-side-right\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><polyline points=\"12 16 16 12 12 8\"\/><line x1=\"8\" y1=\"12\" x2=\"16\" y2=\"12\"\/><\/svg><\/span><\/a><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"designing-your-wellness-spending-account-plan\">Conception de votre plan de Compte de mieux-\u00eatre<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La cr\u00e9ation d\u2019un compte de d\u00e9penses de mieux-\u00eatre efficace ne se limite pas \u00e0 fixer un montant. Une conception r\u00e9fl\u00e9chie permet de r\u00e9pondre aux besoins de bien-\u00eatre des employ\u00e9s, soutenir les objectifs de l\u2019entreprise, maximiser l\u2019engagement et s\u2019int\u00e9grer parfaitement \u00e0 votre strat\u00e9gie d\u2019avantages. Voici les points cl\u00e9s pour concevoir un CME performant :  <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"1-setting-the-right-budget-and-allowance-structure\">1. D\u00e9finir le budget et la structure de l\u2019allocation<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Il est essentiel de d\u00e9terminer combien attribuer par employ\u00e9 et comment r\u00e9partir ces fonds \u00e9quitablement. L\u2019allocation influence \u00e0 la fois vos co\u00fbts et la satisfaction des employ\u00e9s. <\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"1-allowance-structure-fixed-vs-tiered\">1. Structure de l\u2019allocation : fixe vs \u00e9chelonn\u00e9e<\/h4>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"fixed-allowance\" style=\"font-size:25px\">Allocation fixe<\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">Utilisez une allocation fixe lorsque les r\u00f4les et les priorit\u00e9s de bien-\u00eatre de votre \u00e9quipe sont relativement similaires, ou lorsque la simplicit\u00e9 et l\u2019\u00e9quit\u00e9 priment sur la personnalisation.<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14511_7d2767-9e:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14511_7d2767-9e ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14511_7d2767-9e ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14511_7d2767-9e ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14511_7d2767-9e ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items14511_7d2767-9e kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14511_4d4eb5-93 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14511_4d4eb5-93\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Comment \u00e7a marche :<\/strong> Chaque employ\u00e9 re\u00e7oit le m\u00eame montant pour ses d\u00e9penses de bien-\u00eatre.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14511_2e83a3-d9 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14511_2e83a3-d9\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Id\u00e9al pour :<\/strong> Petites et moyennes \u00e9quipes, ou environnements o\u00f9 la simplicit\u00e9 et la transparence sont essentielles.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14511_b6f786-a8 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14511_b6f786-a8\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Avantages :<\/strong> Facile \u00e0 g\u00e9rer, donne un sentiment clair d\u2019\u00e9quit\u00e9.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14511_a8d59e-6e .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14511_a8d59e-6e\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Inconv\u00e9nients :<\/strong> Peut ne pas refl\u00e9ter les besoins diff\u00e9rents des employ\u00e9s.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"tiered-allowance\" style=\"font-size:25px\">Allocation \u00e9chelonn\u00e9e<\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">Choisissez une allocation \u00e9chelonn\u00e9e lorsque les besoins des employ\u00e9s diff\u00e8rent significativement ou si vous voulez aligner les avantages avec des niveaux de budget ou des postes sp\u00e9cifiques.<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14511_45763d-ae:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14511_45763d-ae ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14511_45763d-ae ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14511_45763d-ae ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14511_45763d-ae ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items14511_45763d-ae kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14511_49f3d5-21 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14511_49f3d5-21\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Comment \u00e7a marche :<\/strong> Les fonds varient selon le r\u00f4le, l\u2019anciennet\u00e9 ou le d\u00e9partement.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14511_f78ed9-91 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14511_f78ed9-91\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Id\u00e9al pour :<\/strong> Grandes organisations ou entreprises souhaitant r\u00e9compenser l\u2019exp\u00e9rience et les postes de direction.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14511_022d07-d7 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14511_022d07-d7\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Avantages :<\/strong> Permet d\u2019aligner les d\u00e9penses sur des priorit\u00e9s strat\u00e9giques et de r\u00e9compenser la fid\u00e9lit\u00e9.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14511_a71e6d-57 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14511_a71e6d-57\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Inconv\u00e9nients :<\/strong> N\u00e9cessite une communication pr\u00e9cise pour \u00e9viter toute perception d\u2019injustice.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"2-funding-timing-annual-vs-rolling\">2. Timing des fonds : annuel vs reportable<\/h4>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"annual-funding\" style=\"font-size:25px\">Fonds annuels<\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">Optez pour un financement annuel si vous souhaitez des co\u00fbts pr\u00e9visibles et encourager les employ\u00e9s \u00e0 utiliser r\u00e9guli\u00e8rement leur allocation.<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14511_6c8020-aa:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14511_6c8020-aa ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14511_6c8020-aa ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14511_6c8020-aa ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14511_6c8020-aa ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items14511_6c8020-aa kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14511_a7ca22-3c .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14511_a7ca22-3c\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Comment \u00e7a marche :<\/strong> Les employ\u00e9s re\u00e7oivent un montant fixe chaque ann\u00e9e, souvent avec expiration en fin d\u2019ann\u00e9e.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14511_a417f9-eb .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14511_a417f9-eb\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Id\u00e9al pour :<\/strong> Entreprises voulant inciter \u00e0 un usage proactif et organiser des campagnes d\u2019engagement en fin d\u2019ann\u00e9e.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14511_cde8a1-e6 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14511_cde8a1-e6\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Avantages :<\/strong> Suivi simple, encourage une utilisation ponctuelle.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14511_8815d3-d1 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14511_8815d3-d1\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Inconv\u00e9nients :<\/strong> Peut provoquer une pr\u00e9cipitation pour d\u00e9penser avant la fin de l\u2019ann\u00e9e.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"rolling-funds\" style=\"font-size:25px\">Fonds reportables<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Choisissez des fonds reportables pour offrir plus de flexibilit\u00e9 et r\u00e9pondre aux besoins \u00e9chelonn\u00e9s des employ\u00e9s.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Comment \u00e7a marche :<\/strong> Les fonds non utilis\u00e9s sont report\u00e9s sur une p\u00e9riode d\u00e9finie (souvent un an).<\/li>\n\n\n\n<li><strong>Id\u00e9al pour :<\/strong> \u00c9quipes aux besoins de bien-\u00eatre variables ou employ\u00e9s qui n\u2019utilisent pas imm\u00e9diatement leur allocation.<\/li>\n\n\n\n<li><strong>Avantages :<\/strong> Flexible, r\u00e9duit le stress, encourage une utilisation r\u00e9fl\u00e9chie.<\/li>\n\n\n\n<li><strong>Inconv\u00e9nients :<\/strong> N\u00e9cessite un suivi attentif pour contr\u00f4ler les expirations.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"3-typical-wsa-allowances-in-canada\">3. Allocations typiques des CMEs au Canada<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Au Canada, les allocations pour un Compte de mieux-\u00eatre varient selon la taille de l\u2019entreprise. Voici ce que les employeurs offrent g\u00e9n\u00e9ralement et les domaines de bien-\u00eatre privil\u00e9gi\u00e9s : <\/p>\n\n\n\n<figure class=\"wp-block-table alignfull\"><table class=\"has-fixed-layout\"><thead><tr><th><strong>Taille de l\u2019entreprise<\/strong><\/th><th><strong>Montant typique (annuel par employ\u00e9)<\/strong><\/th><th><strong>Domaines prioritaires<\/strong><\/th><\/tr><\/thead><tbody><tr><td>Startups &amp; PME<\/td><td>300 $ \u2013 750 $<\/td><td>Avantages de base, abonnements gym, applications sant\u00e9 mentale<\/td><\/tr><tr><td>Entreprises de taille moyenne<\/td><td>750 $ \u2013 1 500 $<\/td><td>Conditionnement physique, bien-\u00eatre mental, \u00e9quipement ergonomique, programmes de m\u00e9ditation<\/td><\/tr><tr><td>Grandes entreprises<\/td><td>1 500 $ \u2013 3 000 $+<\/td><td>Bien-\u00eatre complet : th\u00e9rapie, fitness, mindfulness, soutien familial ou pour animaux<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"2-defining-eligible-expenses\">2. D\u00e9finir les d\u00e9penses admissibles<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pour choisir les d\u00e9penses pour un CME, il faut \u00e9quilibrer flexibilit\u00e9, valeur pour l\u2019employ\u00e9 et simplicit\u00e9 :<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li style=\"line-height:1.7\"><strong>Besoins des employ\u00e9s :<\/strong> Tenir compte des caract\u00e9ristiques de la main-d\u2019\u0153uvre et des priorit\u00e9s (abonnements gym ou apps de bien-\u00eatre pour les \u00e9quipes jeunes, services familiaux ou pour animaux pour les employ\u00e9s avec proches). Les sondages peuvent aider \u00e0 identifier les pr\u00e9f\u00e9rences. <\/li>\n\n\n\n<li style=\"line-height:1.7\"><strong>Objectifs de l\u2019entreprise :<\/strong> Aligner les cat\u00e9gories avec les objectifs organisationnels, comme le soutien en sant\u00e9 mentale ou l\u2019am\u00e9lioration ergonomique du bureau \u00e0 domicile.<\/li>\n\n\n\n<li style=\"line-height:1.7\"><strong>Budget :<\/strong> Offrir un soutien significatif sans g\u00e9n\u00e9rer de co\u00fbts impr\u00e9visibles. Limiter l\u00e9g\u00e8rement les cat\u00e9gories peut aider \u00e0 g\u00e9rer les d\u00e9penses.<\/li>\n\n\n\n<li style=\"line-height:1.7\"><strong>Conformit\u00e9 fiscale :<\/strong> S\u2019assurer que les d\u00e9penses respectent les r\u00e8gles de l\u2019ARC pour un remboursement et une taxation appropri\u00e9s.<\/li>\n\n\n\n<li style=\"line-height:1.7\"><strong>Simplicit\u00e9 vs diversit\u00e9 <\/strong>: Garder la liste claire et concise pour maximiser l\u2019engagement et r\u00e9duire la complexit\u00e9 administrative.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Des directives claires et compl\u00e8tes \u00e9vitent les confusions, limitent les abus et garantissent la conformit\u00e9 fiscale. Exemples de d\u00e9penses courantes admissibles \u00e0 un CME : <\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14511_3c9cfe-19:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14511_3c9cfe-19 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14511_3c9cfe-19 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14511_3c9cfe-19 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14511_3c9cfe-19 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items14511_3c9cfe-19 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14511_7e8dfb-7a .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14511_7e8dfb-7a\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Abonnements au gym, cours de fitness et entra\u00eenement personnalis\u00e9<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14511_91500c-7d .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14511_91500c-7d\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Applications de bien-\u00eatre mental, counselling, s\u00e9ances de th\u00e9rapie<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14511_0cb797-82 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14511_0cb797-82\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Coaching nutritionnel, consultations di\u00e9t\u00e9tiques, programmes d\u2019arr\u00eat du tabac<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14511_ec02f7-14 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14511_ec02f7-14\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Chaises ergonomiques, bureaux ajustables, am\u00e9liorations du bureau \u00e0 domicile<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14511_8b44a4-18 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14511_8b44a4-18\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Yoga, massages, retraites mindfulness<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14511_71c70c-45 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14511_71c70c-45\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Services de garde familiale et soins pour animaux<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">L\u2019\u00e9quilibre entre diversit\u00e9 et clart\u00e9 est essentiel : trop restreint et les employ\u00e9s sous-utilisent le compte ; trop large et l\u2019administration devient complexe.<\/p>\n<\/blockquote>\n\n\n<style>.kb-image14511_398607-0d .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<figure class=\"wp-block-kadence-image kb-image14511_398607-0d size-full\"><img decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/08\/female-employee-taking-break-meditating-wellness-at-work.webp\" alt=\"\" class=\"kb-img wp-image-14425\" srcset=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/08\/female-employee-taking-break-meditating-wellness-at-work.webp 1000w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/08\/female-employee-taking-break-meditating-wellness-at-work-300x200.webp 300w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/08\/female-employee-taking-break-meditating-wellness-at-work-768x512.webp 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"3-integration-with-other-benefits\">5. Int\u00e9gration avec les autres avantages<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les CMEs fonctionnent mieux lorsqu\u2019ils sont combin\u00e9s de mani\u00e8re r\u00e9fl\u00e9chie avec vos avantages existants :<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14511_f000e1-f6:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14511_f000e1-f6 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14511_f000e1-f6 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14511_f000e1-f6 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14511_f000e1-f6 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap, .kt-svg-icon-list-items14511_f000e1-f6 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap a{line-height:30px;}.kt-svg-icon-list-items14511_f000e1-f6 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items14511_f000e1-f6 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14511_d6e2b1-df .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14511_d6e2b1-df\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Soutenir le bien-\u00eatre global : <\/strong>Les CMEs comblent les lacunes laiss\u00e9es par la couverture sant\u00e9 traditionnelle, couvrant le bien-\u00eatre physique, mental et \u00e9motionnel. Cela permet aux employ\u00e9s d\u2019adopter une approche proactive de leur sant\u00e9. <\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14511_08d487-2e .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14511_08d487-2e\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Simplifiez l\u2019acc\u00e8s :<\/strong> Une plateforme unifi\u00e9e permet aux employ\u00e9s de g\u00e9rer tous leurs comptes\u2014sant\u00e9, bien-\u00eatre, style de vie ou fertilit\u00e9\u2014au m\u00eame endroit, r\u00e9duisant la confusion et am\u00e9liorant l\u2019engagement. <\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14511_5478c7-68 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14511_5478c7-68\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>\u00c9viter les doublons :<\/strong> D\u00e9finir clairement quelles d\u00e9penses rel\u00e8vent de chaque compte pour \u00e9viter les remboursements multiples. Par exemple, un cours de fitness peut \u00eatre couvert par le CME mais pas par un compte de style de vie. <\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14511_ddbd54-b4 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14511_ddbd54-b4\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>R\u00e9pondre \u00e0 divers besoins :<\/strong> Combiner CMEs avec des<a href=\"https:\/\/twinn.ca\/fr\/compte-depenses-fertilite\/\" data-type=\"link\" data-id=\"https:\/\/twinn.ca\/fr\/compte-depenses-fertilite\/\"> comptes de fertilit\u00e9<\/a> ou de style de vie permet aux employ\u00e9s d\u2019allouer des fonds \u00e0 ce qui compte le plus pour eux, qu\u2019il s\u2019agisse de soutien mental, garde d\u2019enfants ou d\u00e9veloppement personnel.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14511_7c17b4-77 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14511_7c17b4-77\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Exploiter l\u2019expertise des assureurs :<\/strong> Collaborer avec des fournisseurs comme Sun Life, Manulife ou Canada Life garantit une administration fluide, le respect des r\u00e8gles de l\u2019ARC et un accompagnement sur les d\u00e9penses admissibles, simplifiant le programme pour les RH et les employ\u00e9s.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"4-communicating-the-plan-to-employees\">4. Communiquer le plan aux employ\u00e9s<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00eame le CME le mieux con\u00e7u \u00e9choue si les employ\u00e9s ne comprennent pas son fonctionnement ou ce qu\u2019il couvre. Une communication claire et engageante est essentielle : <\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li style=\"line-height:1.9\"><strong>Fournissez des documents concis :<\/strong> Partagez des guides simples expliquant les d\u00e9penses admissibles, le processus de soumission, les \u00e9ch\u00e9ances et les implications fiscales.<\/li>\n\n\n\n<li style=\"line-height:1.9\"><strong>Utiliser des exemples concrets <\/strong>: Montrez comment les fonds peuvent \u00eatre utilis\u00e9s\u2014un abonnement au gym, une application de m\u00e9ditation ou une chaise ergonomique\u2014pour rendre les avantages tangibles.<\/li>\n\n\n\n<li style=\"line-height:1.9\"><strong>Gardez-le \u00e0 l\u2019esprit :<\/strong> Envoyez des rappels par courriel, infolettre ou courts webinaires, en mettant en avant de nouvelles d\u00e9penses admissibles ou des r\u00e9ussites.<\/li>\n\n\n\n<li style=\"line-height:1.9\"><strong>Campagnes saisonni\u00e8res :<\/strong> Encouragez la participation avec des promotions th\u00e9matiques, comme un boost fitness du Nouvel An ou un soutien familial pour la rentr\u00e9e, pour rappeler la valeur du CME.<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"5-tax-considerations-and-compliance\">5. Consid\u00e9rations fiscales et conformit\u00e9<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Comprendre le traitement fiscal des Comptes de mieux-\u00eatre est essentiel pour employeurs et employ\u00e9s au Canada. Contrairement aux comptes de d\u00e9penses sant\u00e9 (CDS), qui remboursent uniquement les frais m\u00e9dicaux approuv\u00e9s par l\u2019ARC et sont g\u00e9n\u00e9ralement non imposables, les CMEs sont consid\u00e9r\u00e9s comme des avantages imposables. Cela signifie que tout montant attribu\u00e9 \u00e0 un employ\u00e9 via un CME s\u2019ajoute \u00e0 son revenu sur le feuillet T4 et est soumis aux retenues habituelles (imp\u00f4t sur le revenu, RPC et AE).  <\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"typical-tax-impact-for-employees\">Impact fiscal typique pour les employ\u00e9s<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Supposons qu\u2019un employeur attribue 1\u202f000 $ par ann\u00e9e \u00e0 un CME :\n<ul class=\"wp-block-list\">\n<li>Pour un employ\u00e9 en Ontario avec un taux marginal de 30\u202f%, la valeur nette apr\u00e8s imp\u00f4t est d\u2019environ 700 $.<\/li>\n\n\n\n<li>Avec un taux marginal de 40\u202f%, le b\u00e9n\u00e9fice net tombe \u00e0 environ 600 $.<\/li>\n\n\n\n<li>En comparaison, une allocation de 1\u202f000 $ via un CDS reste totalement non imposable, l\u2019employ\u00e9 conserve la totalit\u00e9 du montant.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"employer-side-considerations\">Consid\u00e9rations du c\u00f4t\u00e9 de l\u2019employeur<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Les contributions au CME restent une d\u00e9pense d\u2019entreprise d\u00e9ductible, r\u00e9duisant le revenu imposable.<\/li>\n\n\n\n<li>Mais comme elles sont imposables pour les employ\u00e9s, l\u2019employeur doit assurer un bon suivi sur la paie et les remises.<\/li>\n\n\n\n<li>Exemple : une entreprise de taille moyenne offrant un CME de 750 $ \u00e0 100 employ\u00e9s cr\u00e9e une d\u00e9pense d\u00e9ductible de 75\u202f000 $, mais g\u00e9n\u00e8re \u00e9galement un revenu imposable pour chaque employ\u00e9.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"compliance-requirements\">Exigences de conformit\u00e9<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Les employeurs doivent aligner les cat\u00e9gories de CME sur les lignes directrices de l\u2019ARC pour \u00e9viter toute confusion avec les CDS.\n<ul class=\"wp-block-list\">\n<li>Exemple : le remboursement d\u2019un abonnement gym de 300 $ est imposable, tandis qu\u2019un traitement de physioth\u00e9rapie de 300 $ pourrait \u00eatre admissible dans un CDS non imposable.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Une communication claire est cruciale pour que les employ\u00e9s comprennent que, m\u00eame si le CME couvre des avantages li\u00e9s au style de vie et au bien-\u00eatre, leur salaire net sera affect\u00e9 par les taxes sur la paie.<\/li>\n\n\n\n<li>Collaborer avec des assureurs comme Sun Life, Canada Life ou Manulife, ou avec des administrateurs tiers, garantit que les r\u00e9clamations sont correctement cat\u00e9goris\u00e9es et que les feuillets fiscaux refl\u00e8tent fid\u00e8lement les allocations.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"best-practices\">Bonnes pratiques<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Beaucoup d\u2019employeurs plafonnent les CMEs entre 500 $ et 1\u202f500 $ par an, offrant des avantages significatifs tout en ma\u00eetrisant la charge fiscale pour l\u2019employ\u00e9.<\/li>\n\n\n\n<li>Fournir une estimation apr\u00e8s imp\u00f4t (ex. : \u00ab Votre CME de 1\u202f000 $ correspond \u00e0 environ 700 $ nets \u00e0 un taux de 30 % \u00bb) aide \u00e0 g\u00e9rer les attentes et renforce la transparence.<\/li>\n\n\n\n<li>Offrir un mix de CDS (non imposables) et de CMEs (imposables) permet de maximiser la flexibilit\u00e9 tout en restant conforme.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"when-to-opt-when-not-to-opt-for-a-wellness-spending-account\">Quand opter (ou non) pour un Compte de mieux-\u00eatre ?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">D\u00e9cider si un CME convient \u00e0 votre organisation repose sur vos besoins en mati\u00e8re de main-d\u2019\u0153uvre, votre budget et votre strat\u00e9gie globale d\u2019avantages. Le tableau ci-dessous montre quand un CME est particuli\u00e8rement pertinent et quand il pourrait ne pas \u00eatre le meilleur choix. <\/p>\n\n\n\n<figure class=\"wp-block-table alignfull\"><table><thead><tr><th><strong>Quand opter pour un compte de mieux-\u00eatre<\/strong><\/th><th><strong>Quand ne pas opter pour un compte de mieux-\u00eatre<\/strong><\/th><\/tr><\/thead><tbody><tr><td>Vous voulez soutenir le bien-\u00eatre physique, mental et \u00e9motionnel des employ\u00e9s<\/td><td>Votre main-d\u2019\u0153uvre dispose d\u00e9j\u00e0 de programmes de mieux-\u00eatre complets qui r\u00e9pondent \u00e0 la plupart des besoins en mati\u00e8re de sant\u00e9<\/td><\/tr><tr><td>Vous visez \u00e0 r\u00e9duire l\u2019\u00e9puisement professionnel et \u00e0 promouvoir la sant\u00e9 pr\u00e9ventive<\/td><td>Les contraintes budg\u00e9taires rendent les avantages suppl\u00e9mentaires peu pratiques<\/td><\/tr><tr><td>Vous voulez accro\u00eetre l\u2019engagement et faire preuve d\u2019engagement envers le bien-\u00eatre des employ\u00e9s<\/td><td>Votre entreprise n\u2019a pas la capacit\u00e9 interne de g\u00e9rer ou de communiquer efficacement le programme<\/td><\/tr><tr><td>Vous voulez offrir un soutien flexible pour des abonnements gym, th\u00e9rapie, applications de m\u00e9ditation ou \u00e9quipement ergonomique<\/td><td>Les employ\u00e9s montrent peu d\u2019int\u00e9r\u00eat pour les avantages ax\u00e9s sur le bien-\u00eatre<\/td><\/tr><tr><td>Vous souhaitez un r\u00e9gime d\u2019avantages moderne et comp\u00e9titif pour attirer et retenir les talents<\/td><td>L\u2019effort administratif d\u00e9passe la valeur per\u00e7ue pour votre \u00e9quipe<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id14511_4e2252-05{margin-top:var(--global-kb-spacing-sm, 1.5rem);margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-id14511_4e2252-05 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id14511_4e2252-05 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id14511_4e2252-05 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, calc(60% - ((var(--global-kb-gap-none, 0rem ) * 1 )\/2)))minmax(0, calc(40% - ((var(--global-kb-gap-none, 0rem ) * 1 )\/2)));}.kb-row-layout-id14511_4e2252-05{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;overflow:clip;isolation:isolate;}.kb-row-layout-id14511_4e2252-05 > .kt-row-layout-overlay{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}.kb-row-layout-id14511_4e2252-05 > .kt-row-layout-overlay{opacity:0.17;background:linear-gradient(90deg,var(--global-palette2) 3%,var(--global-palette6,#f2f0e8) 100%);}@media all and (max-width: 1024px){.kb-row-layout-id14511_4e2252-05 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-md, 2rem);grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id14511_4e2252-05 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id14511_4e2252-05 alignnone has-theme-palette8-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-layout-overlay kt-row-overlay-gradient\"><\/div><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-left-golden kt-tab-layout-row kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column14511_7dea4e-c7 > .kt-inside-inner-col,.kadence-column14511_7dea4e-c7 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column14511_7dea4e-c7 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14511_7dea4e-c7 > .kt-inside-inner-col{flex-direction:column;}.kadence-column14511_7dea4e-c7 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14511_7dea4e-c7 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14511_7dea4e-c7{position:relative;}@media all and (max-width: 1024px){.kadence-column14511_7dea4e-c7 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14511_7dea4e-c7 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14511_7dea4e-c7\"><div class=\"kt-inside-inner-col\"><style>.kadence-column14511_82455d-b6 > .kt-inside-inner-col{display:flex;}#wrapper.site{overflow:clip;}.kadence-column14511_82455d-b6{--kb-section-setting-offset:90px;}.kadence-column14511_82455d-b6 > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kadence-column14511_82455d-b6 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14511_82455d-b6 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column14511_82455d-b6 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column14511_82455d-b6{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14511_82455d-b6{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14511_82455d-b6 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column14511_82455d-b6 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14511_82455d-b6{text-align:left;}.kadence-column14511_82455d-b6{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column14511_82455d-b6{align-self:flex-start;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14511_82455d-b6{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14511_82455d-b6 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 1024px){.kadence-column14511_82455d-b6 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column14511_82455d-b6{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14511_82455d-b6{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14511_82455d-b6 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column14511_82455d-b6 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14511_82455d-b6 kb-section-is-sticky kb-section-dir-vertical o-sticky o-sticky-scope-main-area o-sticky-pos-top o-sticky-bhvr-keep\" data-aos=\"fade-right\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading14511_84ded0-61, .wp-block-kadence-advancedheading.kt-adv-heading14511_84ded0-61[data-kb-block=\"kb-adv-heading14511_84ded0-61\"]{font-size:var(--global-kb-font-size-lg, 2rem);font-style:normal;font-family:var( --global-heading-font-family, inherit );}.wp-block-kadence-advancedheading.kt-adv-heading14511_84ded0-61 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14511_84ded0-61[data-kb-block=\"kb-adv-heading14511_84ded0-61\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading14511_84ded0-61 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14511_84ded0-61[data-kb-block=\"kb-adv-heading14511_84ded0-61\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14511_84ded0-61, .wp-block-kadence-advancedheading.kt-adv-heading14511_84ded0-61[data-kb-block=\"kb-adv-heading14511_84ded0-61\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading14511_84ded0-61, .wp-block-kadence-advancedheading.kt-adv-heading14511_84ded0-61[data-kb-block=\"kb-adv-heading14511_84ded0-61\"]{text-align:center!important;}}<\/style>\n<h4 class=\"kt-adv-heading14511_84ded0-61 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading14511_84ded0-61\">Pr\u00eat \u00e0 lancer votre compte de d\u00e9penses de mieux-\u00eatre?<\/h4>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading14511_7e420d-3f, .wp-block-kadence-advancedheading.kt-adv-heading14511_7e420d-3f[data-kb-block=\"kb-adv-heading14511_7e420d-3f\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading14511_7e420d-3f mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14511_7e420d-3f[data-kb-block=\"kb-adv-heading14511_7e420d-3f\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading14511_7e420d-3f img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14511_7e420d-3f[data-kb-block=\"kb-adv-heading14511_7e420d-3f\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14511_7e420d-3f, .wp-block-kadence-advancedheading.kt-adv-heading14511_7e420d-3f[data-kb-block=\"kb-adv-heading14511_7e420d-3f\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading14511_7e420d-3f, .wp-block-kadence-advancedheading.kt-adv-heading14511_7e420d-3f[data-kb-block=\"kb-adv-heading14511_7e420d-3f\"]{text-align:center!important;}}<\/style>\n<p class=\"kt-adv-heading14511_7e420d-3f wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading14511_7e420d-3f\">B\u00e9n\u00e9ficiez de notre expertise pour concevoir et mettre en \u0153uvre un CME adapt\u00e9 \u00e0 votre main-d\u2019\u0153uvre. Contactez nos sp\u00e9cialistes en avantages collectifs et commencez \u00e0 soutenir le bien-\u00eatre de vos employ\u00e9s en toute confiance. <\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column14511_838ad9-9b > .kt-inside-inner-col{display:flex;}.kadence-column14511_838ad9-9b > .kt-inside-inner-col,.kadence-column14511_838ad9-9b > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column14511_838ad9-9b > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14511_838ad9-9b > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column14511_838ad9-9b > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column14511_838ad9-9b{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > 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all and (max-width: 767px){.kt-row-column-wrap > .kadence-column14511_838ad9-9b{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14511_838ad9-9b{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14511_838ad9-9b > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column14511_838ad9-9b > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14511_838ad9-9b\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading14511_82b679-03, .wp-block-kadence-advancedheading.kt-adv-heading14511_82b679-03[data-kb-block=\"kb-adv-heading14511_82b679-03\"]{margin-bottom:var(--global-kb-spacing-xs, 1rem);text-align:center;font-size:var(--global-kb-font-size-md, 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#718096);-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading14511_82b679-03 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14511_82b679-03[data-kb-block=\"kb-adv-heading14511_82b679-03\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14511_82b679-03, .wp-block-kadence-advancedheading.kt-adv-heading14511_82b679-03[data-kb-block=\"kb-adv-heading14511_82b679-03\"]{text-align:center!important;}}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14511_82b679-03[data-kb-block=\"kb-adv-heading14511_82b679-03\"]{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading14511_82b679-03, .wp-block-kadence-advancedheading.kt-adv-heading14511_82b679-03[data-kb-block=\"kb-adv-heading14511_82b679-03\"]{padding-bottom:0px;text-align:center!important;}.wp-block-kadence-advancedheading.kt-adv-heading14511_82b679-03[data-kb-block=\"kb-adv-heading14511_82b679-03\"]{justify-content:center;}}<\/style><p class=\"kt-adv-heading14511_82b679-03 wp-block-kadence-advancedheading kt-adv-heading-has-icon\" data-kb-block=\"kb-adv-heading14511_82b679-03\"><span class=\"kb-svg-icon-wrap kb-adv-heading-icon kb-svg-icon-fas_phone-square kb-adv-heading-icon-side-left\"><svg viewBox=\"0 0 448 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M400 32H48C21.49 32 0 53.49 0 80v352c0 26.51 21.49 48 48 48h352c26.51 0 48-21.49 48-48V80c0-26.51-21.49-48-48-48zM94 416c-7.033 0-13.057-4.873-14.616-11.627l-14.998-65a15 15 0 0 1 8.707-17.16l69.998-29.999a15 15 0 0 1 17.518 4.289l30.997 37.885c48.944-22.963 88.297-62.858 110.781-110.78l-37.886-30.997a15.001 15.001 0 0 1-4.289-17.518l30-69.998a15 15 0 0 1 17.16-8.707l65 14.998A14.997 14.997 0 0 1 384 126c0 160.292-129.945 290-290 290z\"\/><\/svg><\/span><span class=\"kb-adv-text-inner\"><a href=\"tel:1-866-760-3993\" data-type=\"tel\" data-id=\"tel:1-866-760-3993\"><mark class=\"kt-highlight\">Appelez-nous une estimation gratuite <\/mark><\/a><\/span><\/p>\n\n<style>.wp-block-kadence-advancedbtn.kb-btns14511_6adb49-1b{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:center;align-items:center;}.kt-btns14511_6adb49-1b .kt-button{font-weight:normal;font-style:normal;}.kt-btns14511_6adb49-1b .kt-btn-wrap-0{margin-right:5px;}.wp-block-kadence-advancedbtn.kt-btns14511_6adb49-1b .kt-btn-wrap-0 .kt-button{color:#555555;border-color:#555555;}.wp-block-kadence-advancedbtn.kt-btns14511_6adb49-1b .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns14511_6adb49-1b .kt-btn-wrap-0 .kt-button:focus{color:#ffffff;border-color:#444444;}.wp-block-kadence-advancedbtn.kt-btns14511_6adb49-1b .kt-btn-wrap-0 .kt-button::before{display:none;}.wp-block-kadence-advancedbtn.kt-btns14511_6adb49-1b .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns14511_6adb49-1b .kt-btn-wrap-0 .kt-button:focus{background:#444444;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kb-btns14511_6adb49-1b{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn.kb-btns14511_6adb49-1b{justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns14511_6adb49-1b\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn14511_bba688-22.kb-button{width:initial;}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn .kb-btn14511_bba688-22.kb-button{font-size:var(--global-kb-font-size-sm, 0.9rem);}}<\/style><a class=\"kb-button kt-button button kb-btn14511_bba688-22 kt-btn-size-standard kt-btn-width-type-auto kb-btn-global-inherit kt-btn-has-text-true kt-btn-has-svg-true wp-block-button__link wp-block-kadence-singlebtn\" href=\"https:\/\/twinn.ca\/fr\/contact\/\"><span class=\"kt-btn-inner-text\">Contacter Maintenant<\/span><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_arrowRightCircle kt-btn-icon-side-right\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><polyline points=\"12 16 16 12 12 8\"\/><line x1=\"8\" y1=\"12\" x2=\"16\" y2=\"12\"\/><\/svg><\/span><\/a><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading14511_8d8975-fc, .wp-block-kadence-advancedheading.kt-adv-heading14511_8d8975-fc[data-kb-block=\"kb-adv-heading14511_8d8975-fc\"]{margin-bottom:var(--global-kb-spacing-xxs, 0.5rem);font-size:var(--global-kb-font-size-xl, 3rem);line-height:1.2;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading14511_8d8975-fc mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14511_8d8975-fc[data-kb-block=\"kb-adv-heading14511_8d8975-fc\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading14511_8d8975-fc img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14511_8d8975-fc[data-kb-block=\"kb-adv-heading14511_8d8975-fc\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading14511_8d8975-fc wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading14511_8d8975-fc\">Des questions? On a les r\u00e9ponses. <\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Encore quelques doutes? <\/em>Voici des r\u00e9ponses rapides aux pr\u00e9occupations les plus fr\u00e9quentes des employeurs et des employ\u00e9s.<\/p>\n\n\n<style>.kb-row-layout-id14511_3ffdb8-38 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id14511_3ffdb8-38 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id14511_3ffdb8-38 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-none, 0rem );padding-top:0px;padding-bottom:0px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id14511_3ffdb8-38 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id14511_3ffdb8-38 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id14511_3ffdb8-38 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id14511_3ffdb8-38 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column14511_ef1a2a-bd > .kt-inside-inner-col,.kadence-column14511_ef1a2a-bd > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column14511_ef1a2a-bd > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14511_ef1a2a-bd > .kt-inside-inner-col{flex-direction:column;}.kadence-column14511_ef1a2a-bd > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14511_ef1a2a-bd > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14511_ef1a2a-bd{position:relative;}@media all and (max-width: 1024px){.kadence-column14511_ef1a2a-bd > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14511_ef1a2a-bd > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14511_ef1a2a-bd inner-column-1\"><div class=\"kt-inside-inner-col\">\n<div class=\"wp-block-wpsp-faq wpsp-faq__outer-wrap wpsp-block-0bde7951 wpsp-faq-icon-row wpsp-faq-layout-accordion wpsp-faq-expand-first-false wpsp-faq-inactive-other-true wpsp-faq-equal-height\" data-faqtoggle=\"true\" role=\"tablist\"><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"@id\":\"https:\/\/twinn.ca\/fr\/compte-mieux-etre\/\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Are wellness spending accounts available for all employees?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Eligibility depends on the employer\u2019s plan design. Some organizations offer WSAs to all employees, while others may limit access based on employment type, tenure, or role.\"}},{\"@type\":\"Question\",\"name\":\"Can I use an HSA for wellness?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Health Spending Accounts (HSAs) are primarily for CRA-approved medical expenses. While some wellness-related items may qualify if they meet medical criteria, many lifestyle or general wellness costs are not eligible under an HSA. WSAs are more flexible for these purposes.\"}},{\"@type\":\"Question\",\"name\":\"How to use wellness benefits?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Employees usually pay for eligible wellness expenses out-of-pocket first, then submit receipts through their employer\u2019s benefits platform. Once approved, the costs are reimbursed up to the account\u2019s annual allowance. Check your plan guidelines for details on eligible items, submission deadlines, and claim procedures.\"}},{\"@type\":\"Question\",\"name\":\"How are wellness accounts taxed in Canada?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Wellness spending accounts are generally treated as taxable benefits. Any amount reimbursed to an employee is added to their taxable income and reported on their T4 slip. Employees pay taxes only on the funds they actually use, not the full account allocation.\"}},{\"@type\":\"Question\",\"name\":\"What is covered under a wellness spending account at Manulife?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Manulife\u2019s WSAs typically cover a wide range of health and wellness expenses, including gym memberships, therapy or counselling sessions, mindfulness apps, fitness equipment, and other preventive or mental health services. Eligible items may vary depending on the specific plan your employer offers.\"}},{\"@type\":\"Question\",\"name\":\"Can funds from a wellness spending account carry over to the next year?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Some WSAs allow unused funds to roll over for a limited period, but many operate on a \u201cuse-it-or-lose-it\u201d basis. Check your specific plan to understand rollover policies.\"}},{\"@type\":\"Question\",\"name\":\"Which providers offer wellness spending accounts in Canada?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Common providers include insurers like Sun Life, Manulife, Canada Life, and RBC Insurance, as well as digital platforms such as Dialogue, Maple, and Telus Health. The right provider depends on your company size, budget, and desired level of administration support.\"}},{\"@type\":\"Question\",\"name\":\"Can wellness spending account funds be transferred or used on others?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Generally, WSA funds are intended for the individual employee\u2019s own wellness expenses and cannot be transferred or used to cover another person\u2019s costs. Some plans may allow certain family-related wellness items, such as family fitness memberships or child wellness programs, but always check your plan guidelines.\"}}]}<\/script><div class=\"wpsp-faq__wrap wpsp-buttons-layout-wrap\">\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-127d7b9c\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\">Are wellness spending accounts available for all employees?<\/span><\/div><div class=\"wpsp-faq-content\"><span><p>L\u2019admissibilit\u00e9 d\u00e9pend de la conception du r\u00e9gime de l\u2019employeur. Certaines organisations offrent des WSA \u00e0 tous les employ\u00e9s, tandis que d\u2019autres peuvent limiter l\u2019acc\u00e8s en fonction du type d\u2019emploi, de l\u2019anciennet\u00e9 ou du r\u00f4le. <\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-5decf73a\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\">Can I use an HSA for wellness?<\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Les comptes de d\u00e9penses de sant\u00e9 (CGS) sont principalement destin\u00e9s aux frais m\u00e9dicaux approuv\u00e9s par l\u2019ARC. Bien que certains articles li\u00e9s au bien-\u00eatre puissent \u00eatre admissibles s\u2019ils r\u00e9pondent \u00e0 des crit\u00e8res m\u00e9dicaux, de nombreux co\u00fbts li\u00e9s au mode de vie ou au bien-\u00eatre g\u00e9n\u00e9ral ne sont pas admissibles en vertu d\u2019un HSA. Les WSA sont plus souples \u00e0 ces fins.  <\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-8566f553\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\">How to use wellness benefits?<\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Les employ\u00e9s paient g\u00e9n\u00e9ralement d\u2019abord de leur poche les d\u00e9penses de mieux-\u00eatre admissibles, puis soumettent les re\u00e7us par l\u2019interm\u00e9diaire de la plateforme d\u2019avantages sociaux de leur employeur. Une fois approuv\u00e9s, les co\u00fbts sont rembours\u00e9s jusqu\u2019\u00e0 concurrence de l\u2019allocation annuelle du compte. Consultez les lignes directrices de votre r\u00e9gime pour obtenir des d\u00e9tails sur les articles admissibles, les dates limites de soumission et les proc\u00e9dures de r\u00e9clamation.  <\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-3c84e6da\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\">How are wellness accounts taxed in Canada?<\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Les comptes de d\u00e9penses de mieux-\u00eatre sont g\u00e9n\u00e9ralement trait\u00e9s comme des avantages imposables. Tout montant rembours\u00e9 \u00e0 un employ\u00e9 est ajout\u00e9 \u00e0 son revenu imposable et d\u00e9clar\u00e9 sur son feuillet T4. Les employ\u00e9s ne paient de l\u2019imp\u00f4t que sur les fonds qu\u2019ils utilisent r\u00e9ellement, et non sur la totalit\u00e9 du compte.  <\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-90c1c910\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\">What is covered under a wellness spending account at Manulife?<\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Les WSA de Manuvie couvrent g\u00e9n\u00e9ralement un large \u00e9ventail de d\u00e9penses de sant\u00e9 et de bien-\u00eatre, y compris les abonnements \u00e0 un gymnase, les s\u00e9ances de th\u00e9rapie ou de counseling, les applications de pleine conscience, l\u2019\u00e9quipement de conditionnement physique et d\u2019autres services de pr\u00e9vention ou de sant\u00e9 mentale. Les articles admissibles peuvent varier selon le r\u00e9gime offert par votre employeur. <\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-1aff8ddf\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\">Can funds from a wellness spending account carry over to the next year?<\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Certaines WSA permettent le renouvellement des fonds inutilis\u00e9s pendant une p\u00e9riode limit\u00e9e, mais beaucoup fonctionnent sur la base de l\u2019utilisation ou de la perte. V\u00e9rifiez votre plan sp\u00e9cifique pour comprendre les politiques de roulement. <\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-70186381\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\">Which providers offer wellness spending accounts in Canada?<\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Les fournisseurs courants comprennent des assureurs comme la Sun Life, Manuvie, Canada Vie et RBC Assurances, ainsi que des plateformes num\u00e9riques comme Dialogue, Maple et Telus Sant\u00e9. Le bon fournisseur d\u00e9pend de la taille de votre entreprise, de votre budget et du niveau de soutien administratif souhait\u00e9. <\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-1b25da75\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\">Can wellness spending account funds be transferred or used on others?<\/span><\/div><div class=\"wpsp-faq-content\"><span><p>En g\u00e9n\u00e9ral, les fonds de la WSA sont destin\u00e9s aux d\u00e9penses de bien-\u00eatre de l\u2019employ\u00e9 et ne peuvent pas \u00eatre transf\u00e9r\u00e9s ou utilis\u00e9s pour couvrir les co\u00fbts d\u2019une autre personne. Certains r\u00e9gimes peuvent autoriser certains articles de bien-\u00eatre li\u00e9s \u00e0 la famille, comme les abonnements de conditionnement physique familial ou les programmes de bien-\u00eatre des enfants, mais v\u00e9rifiez toujours les directives de votre r\u00e9gime. <\/p><\/span><\/div><\/div><\/div><\/div>\n<\/div><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"bottom-line\">En Bref,<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Les Comptes de mieux-\u00eatre offrent aux employeurs un moyen flexible et moderne de soutenir la sant\u00e9, le fitness et le bien-\u00eatre global des employ\u00e9s. En finan\u00e7ant le bien-\u00eatre physique, mental et \u00e9motionnel, ils vont au-del\u00e0 des avantages traditionnels pour r\u00e9pondre aux priorit\u00e9s diversifi\u00e9es des \u00e9quipes d\u2019aujourd\u2019hui. Une conception r\u00e9fl\u00e9chie, une communication claire et la prise en compte des implications fiscales permettent aux employ\u00e9s de tirer pleinement parti de leur allocation, am\u00e9liorant engagement, satisfaction et fid\u00e9lisation. Lorsqu\u2019ils sont bien mis en \u0153uvre, les CMEs renforcent la culture d\u2019entreprise et positionnent l\u2019organisation comme un employeur tourn\u00e9 vers l\u2019avenir, soucieux du bien-\u00eatre de ses employ\u00e9s.   <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Aujourd\u2019hui, les employ\u00e9s attendent plus qu\u2019une simple couverture sant\u00e9 et dentaire. Ils recherchent des avantages qui soutiennent leur bien-\u00eatre global&#8230;<\/p>\n","protected":false},"author":15,"featured_media":14434,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_gspb_post_css":"","_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[108],"tags":[],"post_folder":[],"class_list":["post-14511","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-comptes-depenses-mieux-etre-et-style-de-vie"],"acf":[],"taxonomy_info":{"category":[{"value":108,"label":"comptes de d\u00e9penses mieux-\u00eatre et style de vie"}]},"featured_image_src_large":["https:\/\/twinn.ca\/wp-content\/uploads\/2025\/08\/woman-eating-healthy-after-fitness-class-payed-with-employee-wellness-spending-account-1024x682.webp",1024,682,true],"author_info":{"display_name":"Rafat Haque","author_link":"https:\/\/twinn.ca\/fr\/author\/rafat-haque\/"},"comment_info":0,"category_info":[{"term_id":108,"name":"comptes de d\u00e9penses mieux-\u00eatre et style de vie","slug":"comptes-depenses-mieux-etre-et-style-de-vie","term_group":0,"term_taxonomy_id":108,"taxonomy":"category","description":"","parent":0,"count":4,"filter":"raw","cat_ID":108,"category_count":4,"category_description":"","cat_name":"comptes de d\u00e9penses mieux-\u00eatre et style de vie","category_nicename":"comptes-depenses-mieux-etre-et-style-de-vie","category_parent":0}],"tag_info":false,"_links":{"self":[{"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/posts\/14511","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/users\/15"}],"replies":[{"embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/comments?post=14511"}],"version-history":[{"count":0,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/posts\/14511\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/media\/14434"}],"wp:attachment":[{"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/media?parent=14511"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/categories?post=14511"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/tags?post=14511"},{"taxonomy":"post_folder","embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/post_folder?post=14511"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}