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.
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:
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.
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.
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.
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.
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.
Group life insurance provides financial support to families of employees in the event of their death.
Accidental Death & Dismemberment Insurance provides protection in the event that limbs or lives are lost.
In addition to the benefits and insurance listed above, small business focused carriers may provide additional benefits and services such as:
- Employee Assistance Programs
- Doctor Referals
- Business Overhead Expense Benefits
- Business Assistance Services
- Group Retirement Plans