Creating a group benefit in Sage 50 Accounting involves three parts:  

• Creating the group deduction
• Creating the group benefit
• Creating the employer's expense of insurance premiums

Creating a Group Deduction (Employee pays)

 NOTE: If you contribute only to the employer's (100%) RRSP, you don't need to create the Employee Group Deduction. Skip to creating the Group Benefit.

1. Log in as sysadmin in single-user mode.
2. Go to Setup, then Settings.
3. Select Payroll, and Deductions.
4. Rename the next available Deduction (for example, RRSP).
5. Select the deduction type in the Deduct By column.
6. Choose to apply this deduction either before or after you apply the taxes:
   • To have the deduction deducted from the Gross, you must leave the tax columns unchecked
   • To have the deduction deducted from the Net, you must check the columns
7. Select Linked Accounts, then Deductions.
8. Link the deduction to either a Payable or Expense account.
9. Select OK.

Before using the new deduction:

1. Go to Employee Records, then Deductions
2. Place a checkmark in the Use column beside the newly created deduction.
3. Enter the Amount per Period or Percentage per Period.
4. Select Save and Close.

Creating a Group Benefit (Employer match, employee pays taxes)

1. Log in as sysadmin in single-user mode.
2. Go to Setup, then Settings.
3. Select Payroll, then Income.
4. Rename the next available income to the group benefit you're creating (for example, an RRSP).
5. Change the type of income to Benefit.
6. Put a checkmark in the appropriate tax columns.
7. Select Linked Accounts, Incomes.
8. Link the Benefit to the wages account.
9. OK

Before using the new benefit:

1. Go to Employee Records, then Income.
2. Place a checkmark in the Use column beside the newly created benefit.
3. Enter the Amount per Unit.
4. Click Save and Close.

Creating the Employers Expense (the employee's insurance premium paid as an employer)

1. Go to Setup, then Settings.
2. Select Payroll, then Other Expenses.
3. Enter the expense and select the Percentage or Amount.
4. Go to Names, then Additional Payroll.
5. Confirm if the group benefit is available in User-defined Expenses.
6. Select Linked Accounts, User-defined Expenses.
7. Choose the payable and expense account for each expense. 
    NOTE: The Employer's portion payable account used can't be the same as the payable account for the Employee's deduction. Create an account in the Chart of Accounts? if needed. 
8. Select OK.
9. Go to Employee Records, then WCB & Other Expenses.
10. Enter the employer expense Amount (or Percentage) per period.
11. Select Save and Close.

 NOTE: Once you've set up group benefits, they'll show automatically under Deductions and User-Defined Expenses when you create a paycheck. 

How to create a new payroll benefit