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Group Benefits Plans for Small to Midsize Businesses
• Individual Insurance •

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We're Bruce Benefits

Bruce Benefits Family Photo

We Sell Insurance

We're a small business and we love helping businesses like ours find just the right benefits coverage for their small business. Whether you're one person, a partnership, or a small group, we can help you with a benefits plan that fills your needs and fits your budget.

Group Benefits and Individual Insurance have been in the family for over 20 years and, as of this year, we have 3 generations working together to help our clients.

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Did you know?
Insurance brokers are licensed by the province they do business in and they are required to take continuing education every year to maintain their certification.

We help people like us.

Our clients are owners of small retail shops, business consultants, and trades people. They work out of offices, on the road, and in their homes. We deal primarily with individuals and small businesses with fewer than 20 employees. We do have clients with up to 50 employees, but they've been with us since they were much smaller. We love it when our clients grow with us!

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"I'm fortunate to have the relationship I have with Bruce Benefits. I really love doing business with friends."

- Our client, Christine Paquette,
Owner of Bridge Dynamics

We care a lot about our clients.

We pride ourselves on the company we keep and the personal one-on-one service we provide.

We have client relationships that go back almost 20 years; we're there for lots of change in our clients' businesses and lives and are happy to help when circumstance change.

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"Pesonal Service: You don't have to go through a million channels. The person I deal with answers the call. I love that."

- Our client, Cathy Wozny,
Owner of Calabria Market

Right Sized Coverage.

We work together to get you set-up with a just-right benefits package.

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"I'm fortunate to have the relationship I have with Bruce Benefits. I really love doing business with friends." - Our client Christine Paquette, Owner Bridge Dynamics

Benefits Are What We Do Best

You've got choices

Every situation is unique, so there's no such thing as a one-size-fits-all benefits plan. You need options when it comes time to choose the best benefits provider for you, your family, and your employees.

We maintain relationships with a wide variety of providers so we can always design the best plan to fit your needs.

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Did you know?
Employee benefits are accessible to everyone. Whether you work by yourself or responsible for a team, coverage is guaranteed.

Why get benefits?

Group benefits and insurance coverage are important tools that help keep you and your employees safe, secure, and healthy.

Benefits coverage provides access to services that many would go without if they don't have benefits coverage.

Insurance takes care of unexpected expenses due to sickness or accident.

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"Coming from France, it's very different; I don't know how people survive without benefits coverage here in Canada."

- Our client, Fabienne Boulanger,
Owner of Le Croissant

What kind of benefits can you get?

The care and services available with benefit plans varies depending on the provider, budget, and your particular circumstances.

Most comprehensive benefit plans will address some combination of the following:

Health insurance helps employees and their dependents pay for necessary medical expenses that aren't covered by their provincial plan.

Under the umbrella of Extended Health care, these are benefits that are meant to help keep you and your employees healthy by supplementing the gap in provincial health care programs. Plans typically include full or partial reimbursements for visits to specialist parahealth services such as massage therapy, physiotherapy, and chiropractic

Extended health care benefits also provide access to medical equipment and supplies, emergency travel insurance, and vision care.

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Dental insurance plans can help cover the cost of dental care for your employees and their families and can range from full coverage for all services to partial coverage for basic services.

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Critical Illness insurance can help meet the financial demands that often accompany a major illness or injury. Employees will have peace of mind knowing that in the event of a life-threatening health change, they will be able to afford medical costs, basic living expenses, or anything else for which they choose to use the funds.

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Disability insurance, whether short or long term, gives employees a financial cushion in the event they become disabled due to an injury or illness and are unable to work for a period of time. Although Health insurance will typically cover the costs of treating an injury or illness, most people will have a difficult time paying for basic necessities if they aren't able to work.

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Group life insurance provides financial support to families of employees in the event of their death.

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Accidental Death & Dismemberment Insurance provides protection in the event that limbs or lives are lost.

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In addition to the benefits and insurance listed above, small business focused carriers may provide addtional benefits and services such as:

  • Employee Assistance Programs
  • Doctor Referals
  • Business Overhead Expense Benefits
  • Business Assistance Services
  • Group Retirement Plans

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"Without benefits we would go without a lot of important health services."

- Our clients, Katie and Erica,
Employees of South of Heaven Tattoo

You Call. We Quote. You're Covered.

Getting group benefits coverage doesn't need to be complicated.

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"I don’t want to work when I don’t have to. Bruce Benefits makes that easier. Whenever I’ve called or needed anything, it’s done right away." - Our client Dean Marchak, Owner Mars Millwork

We're Here When You Need Us.

Bruce Benefits Insurance Broker, Sofie Bruce

Hi, I'm Sofie Bruce,

"I started in the insurance world in 2001 when I decided to go work with my dad. As the owner of a small, home-based, family-run business, I understand what small businesses need. Building relationships and helping people find the right products for their needs keeps my job intersting and engaging. I take pride in the work that I do."

Did you know?
There is no waiting period for benefits. You can use your benefits coverage from the very first day!
Bruce Benefits Administrative Assistant, Deja Bruce

Deja Bruce

Bruce Benefits Insurance Broker, Pierre Morier or Morier Benefits

Pierre Morier

We answer our phones.

When you dial our number, we answer. If you leave a message, we call you back. No call centre. No cubicles. Just us.

We come to you.

Much of the time, all our dealings can be handled over the phone and via email. When we do need to meet in person, we typically come to your place of business or meet at a coffee shop close by.

We're fast.

We can usually deliver an insurance quote within a couple business days of our first conversation.

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