What your client experiences
A referral is your reputation on loan. Here's the whole journey, exactly as your client will see it: onboarding, claims, privacy, and renewal.
Onboarding
Apply online (a few minutes)
Corporation details, who the plan covers, your referral code, and an e-signed plan agreement (they can download their signed copy on the spot). No paper, no meetings.
A person reviews it
Medallion staff review every application, typically within a business day or two. If something needs a conversation (a dividends-only owner, an unusual structure), we have it before approving.
Coverage starts on approval
The plan takes effect the day it's approved, never backdated, and the client's portal login is created. Expenses from that day forward are claimable.
A short setup checklist
Inside the portal: authorize the funding account (pre-authorized debit with a void cheque), confirm each person's annual limit, and add a personal direct-deposit account for reimbursements. The portal tracks what's left.
A claim, start to finish
The full walkthrough lives on how it works; this is the shape of it.
Submit
Line items, receipt photos, any amount (no minimum). The portal shows remaining coverage and the exact funding total before they commit.
Review
Employee claims go to the employer first (who sees only name, date, generic category, and total, never receipts or details), then to Medallion staff. Owners' claims come straight to us.
Paid
Approved claims are funded from the corporation by PAD and reimbursed to the claimant by direct deposit through our trust account. Payment runs twice a month, with email updates at every step.
The parts your client won't see, but you should know
Security is what you'd specify yourself: two-step verification on every login, data hosted in Canada, banking details encrypted at rest, an append-only audit log on every claim action, and human verification of every bank account before a dollar moves. E-signed agreements are preserved as hashed PDFs with the full evidence bundle.
Each January the plan renews: the sponsor re-confirms the employee-capacity and reasonableness representations by January 31 (a two-minute declaration in the portal, with reminders), and coverage limits carry forward automatically. It's the annual discipline that keeps the plan defensible, and it's deliberately light.
And when your client emails, a named person answers. That's the product.
Ready to refer?
Apply online and we'll issue your referral code, usually within a business day or two. Questions first? Ask a person.