- LIFE & AD&D 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: provides a Life insurance benefit for a plan member’s spouse and dependent children.
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 benefit.
- CRITICAL ILLNESS
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
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
Supporting 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
HCSAs 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, HCSAs 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 a taxable benefit.
- EMPLOYEE ASSISTANCE PROGRAMS
An employee assistance program is a counseling service to help improve the personal and professional life of employees and their eligible dependents who may be experiencing personal or work-related problems.
- FLEXIBLE BENEFITS
Everyone loves choice! Flexible Benefits can mean a variety of different things within a benefit plan – from a full-blown credit driven system, to simply a variety of optional products and everything in between. We’d love to talk to you about your plan and your 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 plans are a great way to help employees take the first step towards thinking about retirement. Financial health is a key component to an overall healthy lifestyle and our education sessions help employees take the guess work out of their financial futures.
- PRIVATE HEALTH SERVICES PLANS
A PHSP is a Canada Revenue Agency (CRA) approved plan that allows 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 -medium business owner.
- PERSONAL HEALTH AND TRAVEL PLANS
Immigrants & Visitors to Canada plans:
Personal Health plans: