We offer a broad range of employee benefits designed for small and large groups. Working together with our clients and the insurance carriers, we strive to provide the best benefits package to suit our client’s needs. In addition, we keep our clients updated with respect to changing trends in the market place, as well as changes in legislation, or any information that will be of interest or will benefit our clients. Our services also include group financial packages such as group RRSPs, Defined Contribution Pension Plans and Deferred Profit Sharing Plans.

Group insurance benefits provide employers with group benefit plans, tailor made to suit their businesses. Group benefits can be customized to suit the needs of the employer and employees. The following is an overview of some of the options that can be offered:

• Life Insurance – This is a mandatory benefit with most carriers. Coverage can be a choice of either a flat amount or a percentage of annual salary. Depending on the size of the group and the plan design, evidence of insurability may be required.
• Accidental death and dismemberment – Usually mirrors the life insurance. Accidental Death & Dismemberment coverage provides employees or their beneficiaries with financial assistance in the event the plan member dies or incurs a loss of use of limbs, sight etc. as the result of an accident.
• Dependent life coverage – Life coverage on the plan member’s spouse and each dependent child.
• Integrated Benefit Solutions – An Integrated Benefit Solution offers a combination of traditional group benefits and individual income protection products. Some of the key advantages related to the individual products include portability and the issue of the individual contract without evidence of insurability. This combination is only available to groups and is only available for disability and critical illness products.
• Health – This is coverage for benefits not covered by provincial health plans. Coverage generally includes:
  • Drugs – plans can include a drug card;
  • Paramedical services e.g. physiotherapy, chiropractors, podiatrists, massage etc;
  • Equipment e.g. wheelchairs, crutches, orthotics etc;
  • Hospital rooms – plans can include private or semi-private rooms;
  • Out of province/country emergency coverage – coverage provided in the event of an unexpected emergency while traveling on business or vacation.
• Dental – Coverage can include preventative and diagnostic services, basic coverage, major restorative e.g. crown, caps and bridgework and orthodontics.
• Short term disability – This cover replaces an employee’s salary for up to six months if the employee is temporarily unable to work due to illness or injury. It provides income for the period until the employee is able to return to work or the Long Term Disability benefit commences.
• Long term disability – This cover ensures plan members continue to have a source of income (salary replacement), if they become disabled due to illness or injury and unable to work for extended time periods. It supplements disability benefits available from government programs e.g. CPP, QPP.
• Critical illness – This cover provides a cash lump sum when diagnosed with an insured critical illness and the insured survives 30 days.
• Employee Assistance Plans – A comprehensive and confidential counseling resource available to employees and their immediate family members, 24 hours a day, 365 days a year.
• Wellness programs – A proactive approach to positive behavioral changes and illness avoidance.
• First in Line – a one of a kind health care package for Canadian residents focusing on treatment and recovery. This includes insuring the availability of necessary medical information, technology and financial resources including access to American medical centers of excellence. This plan is available to employees and their families for groups with three or more lives.
• Group RRSP Plans – Group retirement plans can be designed to include both employer and employee contributions. We provide our clients with a wide range of flexible, competitive products that are leading edge in the industry. Employees meet privately with qualified advisors to evaluate their tolerance to risk and to assess the many available investment options. In addition, Structured RRSPs, Defined Contribution Pension Plans and Deferred Profit Sharing Plans are available.

Individual Medical Plans – these plans are also available on an individually underwritten basis and are suitable for self employed individuals, employees without benefits and retired seniors. The features may not be as generous as group plans but there is considerable flexibility in their design and premium amount. Moreover they can provide very valuable financial security and provide financing for needed medical care and services.