Group Employee Benefits

Group plans are critical if you want to compete against bigger companies for employees! Attract employees and retain staff while enjoying the many benefits that a group plan can offer.
Benefit options include:

• Life insurance
• Accidental Death & Dismemberment
• Short and Long Term Disability
• Critical Illness
• Dental Plans
• Extended Health Plans
• Vision Care
• Best Doctors
• Business Overhead Expenses
• Employee Assistance Program
• Business Assistance Service

Take advantage of providing Counselling Services for your employees and or their families, for maintenance or anyone dealing with issues.

Access your plans with the online services. Go to the pharmacist and use a drug card to pay for the largest part of your prescription.

Chambers of Commerce Group Insurance Plan Employee benefits are an important tool used by employers to attract new employees and retain experienced employees. The Chambers of Commerce Group Insurance Plan® is Canada’s largest group benefit program for small business, serving over 30,000 firms.

Individual Health Plans

Individual health plans allow you to choose the type of coverage you want. You'll have the protection you need from routine or unexpected health care expenses.

Individual health plans offer you coverage for prescription drugs, dental services, or a combination of both. This may also include:

• Vision care
• Emergency travel coverage
• Extended health care
• Registered specialists and therapists
• Hearing aids
• Homecare

It is not dependent on your occupation, so this plan can go with you no matter what the changes in career or health are in the future.

Private Health Spending

If a company wishes to self insure health & dental expenses for business owners and their employees, a Private Health Spending Plan
may be right for you.

This is a tax free benefit for you and your employees and 100% tax deductible to your company. Whether you are a sole proprietor or an incorporated company this may be a great option for you. No monthly premiums, only pay for what you use.
This plan can cover items like:

• prescription drugs
• dental benefits including:
  • crowns
  • braces
  • implants
• chiropractic care
• physiotherapy and occupational needs
• eyeglasses and vision examination
• orthotics
• hospital expenses

and many other products and services needed when you are ill.

Life Insurance

In your world you have so many people you love and care for... A life insurance policy will help you protect your loved ones, plan for life challenges and still realize your financial goals.

Critical Illness

Critical illness insurance provides money for care if you are diagnosed with a serious illness or condition like cancer, heart disease, stroke, multiple sclerosis, blindness, organ transplants, kidney failure, paralysis and more.

This insurance will provide a lump sum payment while you are still alive. It has tremendous flexibility if you become critically ill.

If you want to try alternative therapies or medications that aren't covered under government plans you are free to spend your lump sum payment as your choose.

As not all critical illness policies are the same, it is important to seek out professional advice and guidance in choosing your policy.

Disability

If you become disabled, your ability to earn income may be compromised and your ability to pay bills or save for retirement may decline. Disability insurance plans are designed to help you meet your income requirements so you can concentrate on recovering from your disability and returning to an active life.

To find out about our complete range of disability insurance plans, contact us today. It may be the most important financial planning decision you'll ever make.