Life and Accidental Death & Dismemberment Insurance
Basic Life Insurance
Basic Life Insurance provides financial assistance in the event of a plan member’s death. This benefit is typically sold as a multiple of salary or a flat amount.
Dependent Life Insurance
Dependent Life Insurance provides a Life Insurance benefit for a plan member’s spouse and dependent children.
Accidental Death & Dismemberment
Accidental Death & Dismemberment provides financial assistance if tragedy strikes and a plan member dies as the result of an accident. It also provides coverage if an accident results in the loss of a limb, sight, or hearing. Some additional benefits include rehabilitation, spousal occupation re-training, and a daycare.
Critical Illness insurance provides financial support when you need it most. This form of insurance pays a lump sum upon diagnosis and survival of a covered critical illness or condition – a true living benefit.
Disability insurance is a product that protects your ability to remain financially stable should a debilitating injury or accident threaten your ability to work. Short-term, Long-term and Top-Up policies are available depending on your need.
Health and Dental
Support health and well-being by managing medical and dental expenses while offering protection for unforeseen costs such as out-of-country emergency medical, accidental dental, and ambulance charges.
Healthcare Spending Accounts
HSAs are an affordable way to help plan members obtain services they require without the hardships of extensive out-of-pocket expenses. As a tax-deductible option for businesses and a tax-free benefit to employees, HSAs provide flexibility and offer great tax savings.
Wellness Spending Accounts
Similar in nature to the Healthcare Spending Accounts, Wellness (or Lifestyle) Accounts allow for a broad range of coverage options – from gym memberships to golf clubs, the list is extensive. Also, a tax-deductible plan for businesses, however, the benefits to plan members are taxable benefits.
Employee Assistance Programs
An employee assistance program is a counselling service to help improve the personal and professional lives of employees and their eligible dependents who may be experiencing personal or work-related problems.
Everyone loves choice! Flexible Benefits can mean a variety of different things within a benefit plan – from a full-blown credit-driven system to a variety of optional products and everything in between. We’d love to talk to you about your plan and needs and customize a solution that fits your organization.
Group Retirement Savings
We are here to help your members get the future they want. Group Retirement Savings, Pension Plans, and Tax-Free Savings Accounts are a great way to help employees take the first step towards planning their retirement. Financial health is a key component of an overall healthy lifestyle, and our education sessions help employees take the guesswork out of their financial futures.
Private Health Services Plans
A PHSP is a Canada Revenue Agency (CRA) approved plan that allows the health, medical, and dental expenses of employees to become a deductible business expense for the employer. This plan provides affordable coverage for both the self-employed and small to medium business owners.