Ben Nguyen

Ben Nguyen is a distinguished entrepreneur and innovator who has made significant contributions to the financial services and insurance technology sectors. As the President & CEO of IDC Insurance Direct Canada Inc. and Founder & CEO of ORCA Pacific Alliance Group of Companies, he has established himself as a transformative leader in the industry. https://ebsource.ca/author/webmaster/

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Canada FPT Deposit: Are Benefits Taxable? | EBsource Tax Credits News

Canada FPT deposits are completely non-taxable, meaning you keep every dollar without income tax obligations. EBsource explains that GST/HST credit, CCB, and provincial credits don't require reporting on tax returns. Your Canada FPT Deposit won't affect tax brackets or future filings. Understand tax-free benefits with EBsource.  

Canada FPT Deposit: Payment Dates and How it Works

Maximize your Canada FPT deposit income. Essential payment dates, eligibility checks, calculate amounts & ensure you receive every dollar yo

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Heritage Day in Alberta: What Happens If You're Scheduled to Work?

If your employer recognizes Heritage Day in Alberta and you're scheduled to work, you're entitled to premium pay. Options include 1.5 times your regular hourly rate plus average daily wage, or regular pay with a banked day off later. The future day must be taken before your next vacation. EBSource explains both options clearly. Benefits Canada News helps Alberta workers understand compensation for working optional holidays. Know your rights before the August long weekend arrives.  

Heritage Day in Alberta: Is It a Statutory Holiday?

Every first Monday in August, Heritage Day in Alberta is celebrated, which most other provinces don't. So, is it a general holiday? Explore

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New Brunswick Day: Civic Holiday in Canada Rules Explained

New Brunswick Day is a statutory Civic Holiday in Canada. Employers can choose between regular day's pay or the 4% method for holiday benefits. If you work the holiday, you receive 1.5 times your regular wage plus your regular day's pay. EBSource clearly breaks down both calculation options. Benefits Canada News helps New Brunswick employees understand their August long weekend entitlements. Know your options before the holiday arrives.  

Civic Holiday in Canada: Workforce Rules & Celebration in 2026

The Civic Holiday in Canada falls on the first Monday in August. Discover whether you receive a paid day off and which provinces have made i

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EBSource Editorial Guidelines: Our Commitment to Trustworthy Benefits Information 

Employee benefits can feel overwhelming—group insurance, retirement plans, workplace rights. How do you know which information to trust? EBSource Editorial Guidelines explain precisely how we create reliable, accurate content for Canadians. Our editorial team follows strict research practices, consults licensed advisors, and maintains complete independence from providers. We never accept payments to influence our content. Benefits Canada News readers deserve clear answers, and that's precisely what we deliver. Discover how EBSource ensures every guide empowers your employee benefits decisions.  

Ebsource Editorial Guidelines

Ebsource Editorial Guidelines: We simplify complex benefits topics, verify all information, and maintain independence for your decisions

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Terry Fox Day in Manitoba vs Civic Holiday: Key Differences

Same calendar date, different meaning. Terry Fox Day in Manitoba honours a specific Canadian hero, while other provinces observe a generic Civic Holiday. Manitoba's observance is non-statutory, like Ontario's and Alberta's, but carries unique provincial pride—Terry Fox was born in Winnipeg. EBSource's Benefits Canada News article compares legislative status, workplace rights, and observance practices across provinces. Understanding these distinctions helps Manitoba employees appreciate their province's unique connection to Terry Fox's legacy.  

Terry Fox Day in Manitoba: History, Dates, Employee Guide

Is Terry Fox Day in Manitoba a paid holiday? Do you get time off work? Explore everything about the provincial first Monday in August here!

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Terry Fox Day in Manitoba: Your Complete Employee Guide 

Every first Monday in August, Manitoba honours a Canadian hero who ran 5,373 kilometres on one leg to fight cancer. Terry Fox Day in Manitoba commemorates this incredible athlete born in Winnipeg, whose Marathon of Hope inspired millions worldwide. But is it a statutory holiday? What are your workplace rights? EBSource's Benefits Canada News guide explains everything employees need to know—from the day's history to how you can participate at work. Learn how Manitoba uniquely honours Terry Fox's legacy.  

Terry Fox Day in Manitoba: History, Dates, Employee Guide

Is Terry Fox Day in Manitoba a paid holiday? Do you get time off work? Explore everything about the provincial first Monday in August here!

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Seniors and Retirees: Canadian Dental Care Plan (CDCP) Eligibility 

Can seniors apply for the Canadian Dental Care Plan (CDCP)? Yes, if you meet eligibility requirements. Many seniors who lost employer dental coverage after retiring—or never had insurance—may qualify. However, if you have dental benefits through your pension plan, you cannot access CDCP, even if you pay for it. An exception exists for those who opted out before December 11, 2023, and cannot opt back in. EBSource explains senior eligibility in their Family and Child Benefits News guide. CDCP prioritized seniors during its initial rollout.

Canadian Dental Care Plan (CDCP): Applications, Covered Services, Fee Guide

The Canadian Dental Care Plan is a federal government benefit that rolls out in phases to different groups. Investigate all about this progr

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Automatic Enrollment in Healthy Smiles Ontario: Who Qualifies? 

Some Ontario families receive automatic enrollment in Healthy Smiles Ontario—no application needed. Children qualify for automatic enrollment if their family receives Ontario Works, Ontario Disability Support Program, Temporary Care Assistance, or Assistance for Children with Severe Disabilities. When you receive benefits from these programs, an HSO dental card arrives by mail. EBSource explains automatic enrollment in their Family and Child Benefits News coverage.

Healthy Smiles Ontario: Covered Services, Eligibility, Applications - EBSource.ca | Workplace Benefits & Employment Insights for Canadians

Healthy Smiles Ontario is a government program that helps kids and teens get free dental care. Learn all about this support in this article!

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British Columbia Banked Time: Understanding the Time Bank System

BC workers have unique options for Banked Time in Canada. Under Section 42.1, British Columbia credits overtime wages at appropriate rates—1.5x or 2x—into a time bank. A written employee request is required, and banked time must be used within 6 months. EBSource explains BC's specific requirements in their Labour & Employment Law News guide. Whether you earn regular overtime or double-time, the full value gets banked.

Banked Time in Canada: Rules, Benefits, and Best Practices

Discover how banked time in Canada reduces costs while boosting morale. Legal requirements, provincial variations & best practices.

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Provincial Tax Rates on Your Year-End Bonus in Canada 

Where you live affects how much bonus you keep. Your Year-End Bonus in Canada is subject to both federal and provincial taxation, with rates varying significantly across provinces. Ontario ranges from 5.05% to 13.16%, while Quebec reaches up to 25.75%. EBSource's Taxes News guide includes complete 2025-2026 tax tables for all provinces and territories. Know your provincial rates to estimate your net bonus and avoid surprises on payday accurately.  

Year-End Bonus and 2025 Income Tax Guide for Working Canadians

Discover the taxes on the year-end bonus in Canada, such as income tax, CPP/QPP, EI/QPIP deductions, and provincial rates and deadlines.

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Renters: Claim Your Ontario Trillium Benefit Today 

Renting in Ontario? You're also eligible for the Ontario Trillium Benefit. The Ontario Energy and Property Tax Credit helps offset your housing costs with up to $1,283 annually. You'll need a rent receipt showing your 2024 payments. EBSource provides step-by-step guidance in their Tax Credits and Rebates news article. Stop missing out on valuable tax credits designed for renters like you. Check eligibility requirements and apply when filing your taxes.  

Louis Riel Day in Manitoba: Employee Rights, Pay, Guide in 2026 - EBSource.ca | Workplace Benefits & Employment Insights for Canadians

Is Louis Riel Day a holiday, and do you get paid time off? Discover celebration ideas, Métis culture, and find out your holiday pay rights h

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Renters: Claim Your Ontario Trillium Benefit Today 

Renting in Ontario? You're also eligible for the Ontario Trillium Benefit. The Ontario Energy and Property Tax Credit helps offset your housing costs with up to $1,283 annually. You'll need a rent receipt showing your 2024 payments. EBSource provides step-by-step guidance in their Tax Credits and Rebates news article. Stop missing out on valuable tax credits designed for renters like you. Check eligibility requirements and apply when filing your taxes.  

Ontario Trillium Benefit: Payment Dates, Eligibility, How to Apply

The Ontario Trillium Benefit (OTB) is a tax-free monthly payment from the Government of Ontario. Discover all about this program in this art

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Leave of Absence in Ontario: Pregnancy and Parental Benefits

EBsource details Ontario's 17-week pregnancy leave plus extended parental leave options. Discover how expecting parents can protect employment while growing their family.

Leave of Absence in Ontario: A Guide for Employees

Understand the laws around leave of absence in Ontario: types of leave, eligibility requirements, length of leave, whether the leave is paid

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Leave of Absence in British Columbia: Complete Guide 2025

EBsource presents a comprehensive overview of BC's job-protected leaves. From illness to parental leave, understand your rights under the Employment Standards Act. This is essential reading for all BC employees seeking time off work.

Leave of Absence in British Columbia

This guide focuses on Leave of Absence in British Columbia, examining the types of leaves available, eligibility rules, notice periods, and

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Leave of Absence in Alberta: Critical Illness Leave Rights

EBsource details critical illness leave - 36 weeks for children and 16 weeks for adults. Learn how to support seriously ill family members while protecting your job.

Guide to Leave of Absence in Alberta

An employee guide to leave of absence in Alberta covering eligibility requirements, leave types, length of leave, proper notice periods, and

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Leave of Absence in Canada: Comprehensive Guide to Your Rights

EBsource reveals key details about leave entitlements for Canadian workers. From maternity leave to medical absence, understand your protected time off rights and benefits maintenance. Essential reading for all employees.

Leave of Absence in Canada: Your Guide to Time Off

This extensive guide examines the key details around the leave of absence available in Canada. We'll explore key definitions, eligibility fa

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Top 10 Canadian Cities for New Immigrants: Toronto Leads Opportunities in 2025

EBsource reveals Toronto as a top choice for newcomers, with a 50% immigrant population and a robust job market across the finance, tech, and healthcare sectors. Average salaries reach $54,834 annually. Discover why Canada's largest city offers unmatched opportunities for immigrants.

Top 10 Canadian Cities for New Immigrants to Live in 2025

Unsure where to immigrate in Canada? Review detailed pros and cons on the top 10 Canadian cities for new immigrants and find your perfect pl