GROUP BENEFITS PLANS
For over 30 years, we’ve been assisting small to large‑sized organizations by providing sustainable and affordable employee benefit plans.
We work with a wide range of employers, from small businesses with only a few employees, to larger companies with more than 1,000 employees. All of our benefits plans offer flexibility and affordability, along with a high level of service and support.
CHOOSE FROM THE FOLLOWING PRODUCTS & SERVICES:
Extended Health Care
Supplement provincial health care plans with a wide range of affordable health coverage, including drug plans, paramedicals, and vision care.
Dental Insurance
Build your dental plan with a variety of services. Options include basic, major restorative or orthodontic services.
Life Insurance
Provide tax free benefits in the event of a covered plan member’s death. Protection is provided worldwide, 24-hours a day.
Disability Insurance
Help your employees avoid income loss if they are unable to work as a result of becoming disabled. Coverage is available for short term and long term disability.
Preferred Suppliers and Pharmacy Providers
Save money with our preferred supplier and pharmacy networks.
Accidental Death & Dismemberment
AD&D provides financial assistance if a plan member dies due to an accident. It also covers loss of a limb, or loss of sight or hearing.
Health Care
Spending Accounts
Provide funding for your employees to spend on eligible health and dental claims. The amount available is chosen by you.
Employee and Family
Assistance
Employees can access confidential, short-term counselling for themselves and their families.
Business Protection & Succession Planning
As a business owner, your company likely provides most of your family’s income and has a significant impact on your personal financial security, as well as that of future generations of your family. Business Protection Planning can help protect the value of your business in the event of the death or disability of a key employee or shareholder.
We work closely with our clients and their other financial advisors to identify risks and explore and implement tax‑efficient strategies that can help ensure the financial stability of the business is maintained even if difficult situations arise. Having a Business Succession Plan in place can help prepare for a smooth transition in retirement and also protect you, your family, and business if you experience tragedies such as disability or death.
Key person insurance
Shareholder /Buy-Sell insurance
Collateral insurance for business loans
Business Insurance Planning
Tax planning strategies for shareholders
Retirement Plans and Estate Planning
Critical Illness coverage
Income replacement
Group Retirement Programs
More companies are looking to help their employees save for Retirement as Government provided pensions will no longer be sufficient to cover the retirement income needs of many individuals. We work with you and your employees to custom-design retirement savings programs and can assist with analyzing which type of savings or pension plan will be most beneficial for your company. We also offer education and regular reviews and support for your plan members. Once you’ve considered all of your options and want to move forward with implementation, we can refer you to money managers and administrative providers for the following types of plans:
Group Registered Retirement Savings Plans (RRSP)
Deferred Profit Sharing Plans (DPSP)
Defined Contribution Plans
Defined Benefit Plans
Individual and Personal Pension Plans (IPP / PPP)