Group Benefit Services

Basic Dental Services

Dental Exams, X-rays, Cleanings, Scaling, Polishing, Fluoride, Fillings, Extractions, Periodontic, services, Endodontic services including root canals.

Major Restorative Services

Dentures, Bridges, Crowns, Inlays, Onlays

Orthodontic Services

Braces, Wires and more.

Generic & Brand Prescription Drugs,

Paramedical Services

Acupuncture, Audiologist, Chiropodist, Chiropractor, Dietitian, Naturopath, Occupational Therapist, Osteopath, Psychologist, Social Woker, Psychotherapist, Physiotherapist, Podiatrist, Speech Therapist, Massage Therapist

Medical Supplies

Canes, Crutches, Hearing aids, Hospital beds, Insulin syringes, Kidney dialysis equipment, Orthopedic shoes and orthotics, Oxygen supplies, Braces for arms, legs, neck and back, compression stockings

Vision Coverage

• Eye exams

• Prescription glasses

• Contact lenses

• Hospital Coverage

• Travel Insurance

• Ambulance transport services

• Accidental dental

• Private duty nursing

Employee Basic Life Insurance

Choose the right coverage amount based on your employees needs

Dependent Life Insurance

A set amount that is paid out to a deceased employee’s designated beneficiary

Critical Illness Insurance covers

• Cancer

• Heart attacks

• Heart bypass surgery

• Strokes

Short-Term Disability

This insurance protects employees from income loss due to accidents or illness outside the workplace for short period of time.

Long-Term Disability

This policy, like Short Term Disability, covers extended absences from work and provides 60-70% of regular income to employees after their Short Term Disability benefits are exhausted

What is Group Retirement

Running a business is a significant investment. You’re not just focusing on building the success of the business but also supporting the employees who contribute to that success over time. One excellent way to reward and motivate your employees for their productivity and dedication is by offering a Group Registered Retirement Savings Plan (Group RRSP).

Why offer a Group RRSP to your employees?

Many Canadians struggle to save consistently, which can pose challenges later in life. A Group RRSP helps employees grow their savings by automatically deducting contributions from their paycheques. Additionally, the management fees for Group RRSPs are typically much lower than those of individual RRSPs, averaging less than 1%.

Some employers choose to match employee contributions to the Group RRSP, effectively doubling the savings for their team members. Employer-matched contributions are also tax- deductible, providing added financial benefits.

Benefits of a Group RRSP for employers:

• Boost employee retention
• Attract top talent
• Support employees’ financial security and their families
• Show care for employees beyond their work responsibilities

What is HSA?

Health Spending Account, is a flexible employee benefits program in Canada that offers more versatility than traditional health plans. As a supplemental program, it covers expenses not typically included in standard benefit plans. Each employee has a personal account to get reimbursed for eligible healthcare expenses or benefits not covered by provincial health insurance or their employer’s standard benefits. An HSA can be introduced either as a stand-alone option within a traditional benefits plan or as part of a flexible benefits package. These accounts generally offer a set amount per employee, making it easier for employers to manage costs. The Canada Revenue Agency regulates which expenses can be claimed under an HCSA.