Benefit Your Business.
Protect Your People.
Your needs will continue to change. Healthcare and benefits are continually evolving and it’s important we do too. As your consultant, we actively manage your group benefits plan to ensure that as you grow, your benefits remain valuable and continue to meet the needs of your organization.
A well-designed group benefits plan tailored to your team adds exceptional value to your total compensation package. The best employees often view their plan as a major reason why they stay with their current employer. Group insurance provides protection for your employees when unforeseen life events, like accidents and disabilities, happen. A comprehensive group benefits plan will improve health and productivity in the workplace, and keep you competitive in your industry.
We have earned a great reputation for our expertise in:
We add value to every client, above and beyond your actual benefit plan. Here’s how:
Today, most organizations work with an employee benefits broker to help navigate through the multitude of benefits products and technical insurance jargon.
Not All Brokers are Created Equal!
Surprisingly, the level of service can really vary from one broker to another. It’s hard to know if the service you’ve grown accustomed to is comparable to what other insurance brokers provide. Our partnership with you means you have our team on your side, as an advocate, an educator, an advisor, and a timely resource.
COST CONTROL ADVICE YOU CAN TRUST
Rising insurance costs can seem like death and taxes – a sure thing. You need our help to determine a plan that minimizes the cost impact on your company. You can rely on us to independently assess your rates and negotiate aggressively to achieve the best rate possible at each renewal without sacrificing the quality of your plan.
It’s Simple But Significant
You do what you do best and leave the tough stuff to us – Group benefit plans vary depending on the size of the group, your business objectives and your budget, and it’s a tough job to sort it all out. Once we have expertly assessed your needs, we will recommend a plan that makes the most sense for your organization.
We Understand Your Unique Requirements
We are an independent consulting firm; we leverage all Canadian insurance providers to obtain the best coverage, rates, service, and products. This means that we truly work for you and we’ve got your back whenever you need us.
Are you Working with the Right Benefits Broker?
Group benefit plans typically include basic Life and Disability Insurance, Extended Health and Dental coverage, as well as in most cases a Wellness Program. However, an effective plan should be tailored to your unique organizational needs.
Basic life insurance pays an amount in the event of the death of an employee.
Sample coverage schedule: The amount of coverage that is based on either the employee’s earnings (i.e. 1x salary or 3x salary) or a flat amount from $25,000 to $500,000+.
Dependent basic life is a flat amount coverage offered to the spouse and dependent children of an employee. The benefit is payable to the covered plan member upon the death of the spouse or dependent.
This benefit allows employees, and sometimes their dependents, to pay for additional Life insurance coverage over that which is provided by their benefit plan (some as high as an extra $1,000,000).
This benefit provides protection where an employee plan member incurs an accidental death or loss of use of limbs, sight, hearing, and/or speech due to an accidental injury.
News of a critical illness can be very sad and upsetting. You can offer your employees financial support during a difficult time with critical Illness Insurance. This coverage allows someone who is seriously ill to receive a lump sum so they can focus on recovery rather than worry about finances.
Extended healthcare benefits are designed to supplement existing provincial hospital and public medical programs.
Extended healthcare benefits can be divided into several categories including:
- Hospital coverage
- Drug coverage
- Eye exams
- Medical supplies and equipment
- Paramedical services like massage therapists, chiropractors, and physiotherapists
- Out-of-province and travel insurance coverage
- Other medical expenses
This benefit provides coverage for eye examinations, eyeglasses, contact lenses and laser eye surgery. Safety glasses and prescription sunglasses can be included in some cases.
Dental plans will typically cover both basic and major services. The dental services can be broken down further into preventive, diagnostic, periodontics, endodontics, minor and major restorative, and oral surgery.
Orthodontic coverage can be added as well to be part of this benefit.
This is an individual employee account that provides reimbursement for any healthcare items or services that are not covered under the core plan. HCSAs allow employers to give their employees more choice and flexibility while also limiting the employer’s financial responsibility.
As an Independent Broker we market our plans to all the carriers in Canada – to ensure you have access to the best plan and price possible.
Here are the Carriers we frequently use:
Pacific Blue Cross
Benefits by Design
Green Shield Canada
Sutton Special Risk