Group benefit plan options to help meet your business needs.

Group benefit plans for your business

Group benefit plans for small and large businesses

Get help attracting talent and compensating your plan members with an affordable group benefits plan.

Plans and coverage

Find a simple, cost-effective and tax-efficient plan based on the size of your business and your plan members’ needs
Choose a group benefits plan to stay competitive as an employer of choice, keep your plan members engaged and productive, and help them manage their health and wellness

Prevention and management

Find solutions to help you manage the costs associated with your group benefits plan such as disability and absence management programs
Get support for your plan members to help them make healthier choices and find ways to potentially save money on health care costs
Provide access to Employee and Family Assistance (EFAP) services for your plan members so they can better handle stress and other health issues

Services you can count on

Help ensure your organization is protected from fraudulent use of your group benefits plan with fraud prevention support you can trust
Access online services to easily manage your plan, along with services your plan members can use to quickly and easily submit claims, update their account information and more

Customizable group benefits plans

Benefits

Customizable, meet your plan members’ and organization’s needs.
Scalable, make sure your plan remains current and competitive.

Plan options

Keep your drug plan sustainable
Support employee health while managing costs with:

Reasonable and customary limits on dispensing fees
Mandatory generic substitution
Tailor your dental plan

Choose what's best for your employees and cover an appropriate mix of:

Basic and supplementary services (such as cleanings, fillings and x-rays)
Dentures
Major restorative services
Set deductibles and maximums

Offer extended health care services such as:

Vision
Chiropractic
Massage care
Other professional services

Choose whether to include:

Dieticians
Social workers
Kinesiologists
Sports therapists

Get exactly what you need

Choose benefits so you only pay for what you need

Life insurance
Critical illness insurance
Accident protection–including coverage for business travel and special events
Benefits without Borders
Provide benefits for your Canadian and non-Canadian plan members working in the US or internationally, plan members returning from an extended period outside of Canada, non-Canadian plan members working for you temporarily, and non-Canadians working around the world for you.

Group Benefits FAQ

What does a group benefits plan include?

Plans are customizable, but typically combine health and dental coverage, disability and life insurance, and often critical illness, vision, paramedical services and an Employee and Family Assistance Program. We build the mix around your team’s needs and your budget.

How many employees do I need to offer group benefits?

Plans are available for businesses of nearly every size, including small firms with just a few employees. We compare insurers to find one that fits your headcount and the coverage you want to offer.

Are group benefits a tax-deductible business expense?

In most cases the premiums your business pays are a deductible expense, and many benefits can be received tax-free by your employees. The treatment depends on the benefit and how the plan is structured, so we walk you through the details.

How do group benefits help me attract and keep employees?

A competitive benefits plan is one of the top reasons people join and stay with a company. It also supports your team’s health and wellness, which helps keep them engaged and productive.