Employee Benefits

Extensive Coverage

Under Employee Benefit Plan, you get complete health and life coverage for your employees. Our products are all-inclusive, including group term life insurance, critical illness coverage, disability coverage, exended health coverage, medical travel insurance, and vision coverage.

Why Choose Me?

The Benefits

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Group Term Life Insurance

I will get a flat amount ($10,000 to $1,000,000 with increments as little as $5000) and salary based (1 to 3 times earning, maximum up to $1,000,000) group term life insurance plans for employees and dependents.

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Accidental Death and Dismemberment

In case of death by accident, twice the sum insured under group life insurance will be paid. In case of dismemberment, a lump sum is payable under this plan depending upon the severed limb.

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Critical Illness and Disability Coverage

Critical illensses such as heart attack, stroke, cancer are covered under critical illness plan. Disability coverage includes short term disability benefit (STDB)and long term disability benefit plan (LTDB). The benefit amount may usually be for 55%, 60%, 66.7%, 70% or 75% of weekly earned income in case of STDB and 60%, 66.7%, 70% or 75% of weekly earned income in case of LTDB.

Employee benefit plans are crucial to insure youe employees against unforeseen medical emergencies. Apart from giving employers the appropriate tax benefits, it also acts to protect your employees and their dependents from acute or chronic medical conditions. Apart from Group Term Life Insurance, Accidental Death and Dismemberment coverage, and Critical Illness and Disability Coverage, this plan also covers the medical travel lasting upto 30 days including transportation, paramedical, medical and hospital expenses for up to $5,000,000. Also included eye exams, vision correction, and extended health care which includes normal health care costs not covered by Ontario Health Insurance Plan.

Why Choose Us?

Group Term Life Insurance

We offer flat amount ($10,000 to $1,000,000 with increments as little as $5000) and salary based (1 to 3 times earning, maximum upto $1,000,000) group term life insurance plans for employees and dependents.

Accidental Death and Dismemberment

In case of death by accident, twice the sum insured under group life insurance will be paid. In case of dismemberment, a lump sum is payable under this plan depending upon the severed limb.

Critical Illness and Disability Coverage

Critical illensses such as heart attack, stroke, cancer are covered under critical illness plan. Disability coverage includes short term disability benefit (STDB)and long term disability benefit plan (LTDB). The benefit amount may usually be for 55%, 60%, 66.7%, 70% or 75% of weekly earned income in case of STDB and 60%, 66.7%, 70% or 75% of weekly earned income in case of LTDB.

The Benefits

Employee benefit plans are crucial to insure youe employees against unforeseen medical emergencies. Apart from giving employers the appropriate tax benefits, it also acts to protect your employees and their dependents from acute or chronic medical conditions. Apart from Group Term Life Insurance, Accidental Death and Dismemberment coverage, and Critical Illness and Disability Coverage, this plan also covers the medical travel lasting upto 30 days including transportation, paramedical, medical and hospital expenses for up to $5,000,000. Also included eye exams, vision correction, and extended health care which includes normal health care costs not covered by Ontario Health Insurance Plan.

Dental Plan

Why is a Dental Plan needed?

A low cost dental plan is an important part of our employee benefits plan. It’s devised for your employees and their dependents. It forms a lucrative part of the entire package because people tend to have frequent dental issues which may cost a lot if not covered.

Why a Dental Plan is needed?

Dental Plan Benefits

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Low cost dental plan

The premium you’ll be paying for employee benefit dental plan is much lower than our industry counterparts. Plus you get the tax benefits.

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100% client satisfaction

Many business enterprises have benefitted from our lucrative dental plans in the past and we are dental plan providers for various esteemed organizations.

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Can visit the best dentists

In case the dental illness requires the aid of a specialist, your employees can take the services of best dental clinics in twon without worrying about the cost.

Dental plans prove to be a lucrative investment as employees seek dental cover for themselves and dependents when they consider working for any organization. Dental treatments like root canal traetments, crowning, teeth restorations, dental implant installations etc can be very expensive if the costs are not covered by an insurance. In the absence of a dental insurance plan, people postpone these crucial treatments further complicating their conditions.

I can provide low premium dental plans that offer lucrative benefits for employers as well. The premiums you pay are tax deductible. Moreover, dental health affects the overall health of an individual. Therefore, dental plans are necessary to ensure the overall health of your valuable staff.

Why a Dental Plan is needed?

Low cost dental plan

The premium you’ll be paying for employee benefit dental plan is much lower than our industry counterparts. Plus you get the tax benefits.

100% client satisfaction

Many business enterprises have benefitted from our lucrative dental plans in the past and we are dental plan providers for various esteemed organizations.

Can visit the best dentists

In case the dental illness requires the aid of a specialist, your employees can take the services of best dental clinics in twon without worrying about the cost.

Dental Plan Benefits

Dental plans prove to be a lucrative investment as employees seek dental cover for themselves and dependents when they consider working for any organization. Dental treatments like root canal traetments, crowning, teeth restorations, dental implant installations etc can be very expensive if the costs are not covered by an insurance. In the absence of a dental insurance plan, people postpone these crucial treatments further complicating their conditions. Our low premium dental plans offer lucrative benefits for employers as well. The premiums you pay are tax deducible. Moreover, dental health affects the overall health of an individual. Therefore, dental plans are necessary to ensure overall health of your valuable staff.

Drug Benefits

Employee Benefits: Group Dental and Drug Plan from three to 30 Employees.

In the current employment marketplace it is important that you recruit and retain the best personnel available. To help you achieve this it is becoming increasingly vital to offer your staff an excellent remuneration package that needs to incorporate a first class employee benefits scheme.

We are an independent firm of insurance brokers providing tailor made employee benefits packages to businesses with between 1 to 30 employees. We have developed a reputation for providing some of the most creative schemes available working closely with our clients both in setting up the scheme and providing an on-going, quality, professional level of service thereafter, ensuring that the scheme is regularly reviewed and updated when appropriate.

We have the experience and flexibility to put together a suitable employee benefits package for you ranging from a simple employee benefits schemes to one of the most comprehensive schemes possible. Below are some of the potential components that can be included in your be-spoke package:

Group Term Life Insurance

Accidental Death and Dismemberment

There are two coverage options:

Flat Amount: The amount chosen usually varies between $10,000 to $1,000,000 with increments from as little as $5,000.

Salary Based: The amount of coverage is usually in the range of 1 to 3 times earnings with a maximum of $1,000,000. This option provides increased flexibility enabling the coverage to be increased in line with inflation or when the employee’s circumstances change.

Coverage is also available for an employee’s spouse and children.

Premiums paid by you are taxed as a benefit to your employee but the benefits are not taxable.

Should one of your employees die as a result of an accident twice the sum they are insured for under the Group Term Life Insurance coverage would pay out or, dependent upon the limb that has been dismembered, a lump sum would be payable.

Premiums paid by you are not taxed as a benefit to your employee but still provide cheap insurance and the proceeds are not taxable to the beneficiary.

Critical Illness Coverage

An increasing number of people are suffering and surviving critical illnesses such as heart attack, cancer and stroke. This option would pay out a lump sum to your employee to help make their life more comfortable after a critical illness. The proceeds could be used for such things as nursing care or adapting the home to enable wheel chair access and help with their rehabilitation often speeding up their recovery period and thus shortening their time away from the office.

Premiums paid by you are not taxed as a benefit to your employee and the proceeds are not taxable to the beneficiary.

Disability Coverage

There are two coverage options:

Short Term Disability benefit – this will provide an employee with an income for a short period of time should he or she be unable to work through accident or illness after an elimination (waiting) period. This elimination period may usually be from 0 days or 14 days in the event of an accident and 3, 7 or 14 days in the event of sickness. The benefit period may usually be up to 15, 17 or 26 weeks. The benefit amount may usually be for 55%, 60%, 66.7%, 70% or 75% of weekly earned income.

Long Term Disability benefit – this will provide an employee with an income for a potentially longer period of time should he or she be unable to work through accident or illness after an elimination (waiting) period. The elimination period may usually be either 15, 17 or 26 weeks. The benefit period may usually be up to 2 years, 5 years or until age 65. The benefit amount may usually be for 60%, 66.7%, 70% or 75% of monthly earned income.

Premiums paid by you are not taxed as a benefit to your employee but the benefits are potentially subject to income tax by the employee.

Extended Health Care

Several normal health care costs are not covered by the Ontario Health Insurance Plan (OHIP) so additional coverage is important.

This benefit provides your employees and dependents with funds to meet numerous medical expenses such as providing cover for registered specialists like physiotherapists, osteopaths and chiropractors. Assistance towards the cost of ambulance transportation, private or semi private hospital accommodation, nursing care, prescription drugs, hearing aids, vision care and orthopaedic shoes.

Premiums paid by you are not taxed as a benefit to your employee.

Dental Care

This coverage may provide your employees and their dependents with low cost dental insurance enabling them to arrange speedy treatment for such things as x rays, extractions, fillings, root canal therapy, restorative services, basic preventative care and polishing.

Premiums paid by you are not taxed as a benefit to your employee.

Travel Insurance

This coverage may provide your employees and family with cover for as many trips lasting up to 30 days for such things as transportation, paramedical, medical and hospital expenses for up to $5,000,000.

Vision Plan

This coverage provides employees with access to low cost eye exams plus significant discounts on the purchase of contact lenses and eyeglasses and for laser eye surgery.Premiums paid by you are not taxed as a benefit to your employee.

Best Doctors

Should one of your employees or their dependents become seriously ill/injured they can telephone Best Doctors to be put in contact with specialists that are world renowned to seek confirmation of the correct diagnosis to help provide peace of mind.

The Way Forward

Contact us to arrange a face-to-face meeting that we will be happy to arrange at a time and place to suit you when we will discuss your Employee Benefits requirements in detail