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Contact us for specialized employee benefits and retirement savings solutions tailored to companies with a workforce ranging from 3 to 3,000 individuals. Our comprehensive offerings include fully pooled benefits plans designed specifically for small businesses, Health Spending Accounts to cover medical expenses, and self-insured programs for added flexibility.
If you're self-employed, we've got you covered too. Our expert advisors can assist you with individual health and dental programs, life insurance, critical illness coverage, and disability insurance. As independent professionals, we pride ourselves on providing unbiased advice and access to products from all leading Canadian insurers.
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What are group benefits?
Group benefits are insurance plans provided by employers to their employees, which may include health, dental, disability, and other coverage.
What types of group benefits do you offer?
We offer a range of group benefits, including health, dental, vision, life insurance, disability, and more.
Who is eligible for group benefits?
Eligibility criteria may vary, but typically, full-time employees and sometimes their dependents are eligible.
How do group benefits work?
Employees and employers contribute to the plan, and when covered individuals incur eligible expenses, they can submit claims for reimbursement.
What medical expenses are covered under the health plan?
Covered expenses may include doctor visits, hospital stays, prescription drugs, and medical supplies. Details will be in your plan documents.
Are pre-existing conditions covered?
Coverage for pre-existing conditions can vary. Check your plan details for specific information.
What dental services are covered under the dental plan?
Dental plans often cover routine check-ups, cleanings, fillings, and more. Orthodontic and cosmetic procedures may have limitations.
How do I submit a claim for my medical expenses?
You can typically submit claims online or through paper forms provided by your insurer. Details are in your plan documents.
How long does it take to receive a reimbursement for a claim?
Processing times can vary but generally take a few weeks. Check with your insurer for specific timelines.
Can I change my coverage during the year?
Changes are often allowed during the open enrollment period or due to qualifying life events like marriage or having a child.
What happens to my group benefits if I leave the company?
Coverage options may include conversion, portability, or a grace period after leaving. Details depend on your plan.
How much do group benefits cost?
Costs can vary based on the type and level of coverage, the size of the group, and other factors. Your employer may cover a portion of the costs.
How are premium rates determined?
Are premiums tax-deductible?
In many cases, premiums for group benefits are tax-deductible for both employers and employees. Consult a tax professional for details.
Where can I find more information about my specific benefits plan?
You can usually find detailed plan information in your benefits booklet or by contacting your insurer's customer service.
What should I do if I have a problem or question about my benefits?
Contact our customer service team, and they will be happy to assist you.