This has been an interesting discussion. As someone who has the GBA through the CEBS program, I cannot stress the valuable information that the program provides when it comes to Canadian benefits. CLIHIA is the lobbying body for Canadian Insurers with some help for individual Canadians. I’ve learned to only use the carrier contract, not a booklet, to validate coverage and administrative practices. Canadian taxation is complex and will vary from province to province for not only benefits, but also for pension, and for employment law. http://www.ifebp.org and look for Canadian content. They also run a session a couple of times a year for Americans who manage Canadian benefits.