Group Health Benefits
Employee benefit plans for small and mid-sized Canadian businesses, from three employees upward.
A benefits plan is how a small business competes with a larger one for good staff. It is also tax-efficient: employer-paid premiums are generally a deductible business expense, and most benefits are received by employees without being treated as taxable income.
We design plans that start as small as three employees, and we review them at renewal rather than letting the premium drift upward year after year. Where a plan has been in place for a while, a market review frequently finds better terms without reducing what employees actually receive.
Who this is for
- Small business owners hiring or trying to retain staff
- Companies whose group premium has risen sharply at renewal
- Professional corporations and incorporated contractors
- Businesses with as few as three employees
What you get
Health, dental and drugs
The core plan, covering the everyday costs provincial health insurance leaves to your employees.
Life and disability
Group life, short-term and long-term disability so an illness does not end an employee’s income.
Employee assistance programmes
Confidential counselling and support services, increasingly the benefit staff value most.
Tax-efficient for the business
Employer-paid premiums are generally deductible, and most benefits reach employees without being taxed.
Health spending accounts
A flexible, capped alternative to a traditional plan that gives employees choice and gives you cost certainty.
Annual market review
We re-shop the plan at renewal instead of accepting the incumbent insurer’s increase by default.
Questions we get asked
Plans are available from three employees, and some insurers write two-life plans for incorporated businesses.
It depends on the size of the group, the age mix, the industry and the benefits selected. We build two or three options at different price points so you can see the trade-offs.
Yes. Owner-operators can often cover themselves and their dependants through the corporation, which is usually more tax-efficient than paying personally.
Get a group benefits quote
Tell us a little about who needs covering. We will compare the market and come back with two or three options worth considering, with the trade-offs spelled out.
- Advice and paperwork cost you nothing
- Available in English, Punjabi and Hindi
- Most quotes returned the same business day