Attract and retain employees with Group Benefit Plans.

We have plans that are designed to fit the needs of smaller groups with 2 - 25 members with simplicity of off-the-shelf pricing. Choose from our range of health and dental plans with the option to add life and disability benefits (for 5 or more). For larger groups, we have custom plans that are designed to suit each employer's unique requirements.

• Drug Coverage
• Extended Health Care (EHC)
• Dental Coverage
• Life Insurance, Critical Illness Insurance, AD & D Coverage

We build plans that are most suitable for small business owners and are unique for each business.

Comprehensive Benefit Solutions for Small Business:

Employee Benefits Program is designed to meet the unique needs of Canada’s small businesses. Here are a few of the small business solutions that are helping to separate our plans from the rest of the pack:

1. Employee Assistance

Manage employee issues, help reduce absenteeism and foster productivity with this employee assistance program. It’s a great program that offers access to short-term counselling for employees, plus training and online tools for managers.

2. Easy Navigation

Help plan members become more engaged in their health care management with Health Service Navigator. All groups now have access to this one-stop customer care centre and website that provides resources to help plan members navigate the Canadian health care system, as well as search databases for doctors and health care facilities, integrated health tips and tools, medical condition information and access to world-class doctors for second opinions.

3. Preferred Benefits

Offer supplementary coverage to your clients with no additional cost or administration. With Personal Benefits, plan members can purchase portable life or critical illness coverage and our financial company takes on the administration and bills the plan member directly.

4. eHealth Links

Support employee health and wellness by harnessing the internet with Health eLinks – an online resource of health care-related information.

5. Online Claims Submission

Take advantage of the added convenience of submitting claims online and help plan members avoid delays in payment.

6. Customer Care

Get answers quickly with an entire network of people and technology designed to handle all the details for you and your clients. Administrators and members have access to plan information online or professional, customer-focused service through our Customer Service Centre - a fast response with a personal touch.

7. Flexibility

Get affordable, cost-effective options with the flexibility of plan and meet the changing needs of your small business clients.

8. Fraud Prevention

Take confidence knowing our quality assurance practices will help ensure that your clients’ Group Benefits investments are being managed wisely. Dedicated to being an industry-leader in fraud prevention.

Small business owners gain:

• a competitive edge in the job market
• an affordable way to help protect employees and their families
• a tax-effective form of compensation

Who is eligible?

• Businesses with 2 – 24 employees
• Employees must work at least 20 hours per week, at least 45 weeks per year (options include 20, 25 or 30 hours of work per week)
• Various waiting periods available ranging from nil to 6 months
• Two employee classes available (subject to underwriting guidelines)

Base Benefits

• Employee Life Insurance
• Accidental Death & Dismemberment (AD&D)
• Extended Health Care (EHC)
• Emergency Travel Assistance - travel and health advice assistance
• Workplace Advisor
• Health Service Navigator

Additional Benefits

• Dependant Life Insurance
• Extended Health Care options
• Hospital (semi-private or semi-private plus chronic care)
• Pay-direct drug card
• Deferred drug card
• Vision care
• Dental care
• Short Term Disability (STD)
• Long Term Disability (LTD)
• Health Care Spending Account (HCSA)
• Personal Benefits
• Personal Life Insurance
• Personal Critical Illness Insurance
• Personal Health Assessments