Helping Employees Build Families with Compassion and Care
Starting a family is one of life’s most meaningful journeys — but it can also be one of the most challenging. Fertility Benefits help employees access and afford treatments like IVF, egg freezing, and surrogacy, offering both emotional and financial support along the way.
Fertility Benefits are specialized coverage options that help employees manage the high costs of fertility treatments and family planning services not typically covered by traditional health plans.
These benefits can include support for in vitro fertilization (IVF), intrauterine insemination (IUI), egg or sperm freezing, surrogacy, adoption, and more.
At Workplace Benefits, we partner with leading Canadian carriers — including Manulife, Sun Life, Canada Life, and Desjardins — to help employers in Alberta, British Columbia, and Ontario implement meaningful, inclusive fertility coverage that aligns with their culture and budget.
Why Fertility Benefits Matter
For Employees
Provides access to fertility treatments, adoption, or surrogacy support.
Reduces financial stress during emotionally difficult times.
Promotes inclusivity and supports diverse family structures.
Increases morale, loyalty, and emotional well-being.
For Employers
Demonstrates leadership in equity, diversity, and inclusion (EDI).
Attracts and retains top talent with forward-thinking benefits.
Supports mental health and work-life balance.
Strengthens company culture through empathy and family support.
Fertility benefits send a powerful message: you care about every kind of family.
Types of Fertility Coverage
Workplace Benefits helps employers design flexible fertility benefit programs to suit their workforce:
Fertility Treatment Coverage
Reimbursement for IVF, IUI, egg/sperm freezing, and related medications.
Adoption Assistance
Financial support for adoption-related costs, legal fees, and travel.
Surrogacy Support
Coverage for surrogacy expenses, donor services, and associated medical costs.
Health Spending Accounts (HSA) Integration
Use HSA funds to reimburse fertility-related expenses tax-free.
Flexible Coverage Options
Choose between a lump-sum fertility allowance or per-treatment coverage.
We’ll help you design a compassionate, inclusive program that meets both employee expectations and organizational goals.
What’s Typically Included
A well-rounded fertility benefits package may include:
IVF and IUI treatments
Egg, sperm, or embryo freezing and storage
Fertility medications
Surrogacy and donor-related expenses
Adoption-related reimbursements
Genetic testing and counselling
Genetic testing and counselling
Access to fertility specialists and clinics
Every plan is customized to your company’s budget, workforce demographics, and culture.
How Workplace Benefits Works With Employers
Our consultative process ensures your fertility benefits are meaningful, compliant, and cost-effective:
Assess
Understand your workforce demographics and family planning goals.
1
Compare
Evaluate fertility benefit options from leading insurers and third-party providers.
2
Customize
Design an inclusive program that reflects your organization’s values.
3
Support
Manage implementation, communication, and ongoing program support.
4
As an independent employee benefits broker, Workplace Benefits provides objective guidance — ensuring you get the best fertility coverage options available in Canada.
Why Choose Workplace Benefits
Independent Expertise
Independent broker with access to all major Canadian insurers
Tailored Solutions
Expertise in designing inclusive and progressive benefits programs
Dedicated Support
Flexible plan design that fits organizations of all sizes
Cost Optimization
Transparent, data-driven approach to cost control
National Reach
National reach with personal service in AB, BC, and ON
Frequently Asked Questions
Everything you need to know about employee health benefits
Are fertility treatments covered by standard health plans?
No, most traditional health plans don’t cover fertility treatments — that’s why dedicated fertility benefits or HSAs are so valuable.
What’s the typical fertility benefit amount?
Employers often provide between $5,000 and $20,000 per employee for fertility-related expenses, depending on plan design.
Can fertility benefits cover adoption or surrogacy?
Yes, many plans include adoption and surrogacy support to promote inclusivity for all family types.
Are fertility benefits taxable for employees?
Most medical-related fertility benefits are tax-free under CRA guidelines, though adoption or surrogacy support may be taxable.
Can fertility benefits be added to an existing benefits plan?
Yes — Workplace Benefits can help integrate fertility coverage into your current group benefits or health spending account.
Get Started with Fertility Benefits
Support your employees on their journey to parenthood with inclusive, compassionate fertility coverage. Whether you’re creating a new program or enhancing your current plan, Workplace Benefits will help you design a solution that fits your culture, values, and budget.
Workplace Benefits designs cost-effective employee benefits & retirement plans across Alberta, BC & Ontario—helping businesses protect teams, control costs, and retain top talent.
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