Solutions

Traditional Insured

Whether your company has 5 employees or 500+ employees, we are committed to finding the best plan to suit your needs. We are able to access virtually any insurance companies’ products in Canada.

Let us shop the market for you to find the best benefit options available. Benefit options available in an insured plan may include:

• Group Life Insurance
• Accidental Death Benefits
• Short and Long Term Disability
• Critical Illness
• Supplementary Health Benefits
• Dental Coverage
• Employee Assistance Plans (EAP)

ASO - Administrative Services Only

Refers to an arrangement where an employer engages a benefits provider to handle the administrative tasks for their employees such as billing, claims handling, claims payment, etc.  There are no hidden costs; the cost of the benefit program is based on actual claims plus applicable administration fees.

By offering an ASO health and dental program with an insured pooled benefit program (Life and Disability), plan sponsors can experience savings of over 30% compared to a fully insured policy. These savings are achieved by offering the lowest administration fees in the industry.

Cost Plus

Cost Plus benefits are available to incorporated companies.  This benefit can be offered to a select group of employees or all employees of an organization at the plan sponsors discretion.  Employees can claim for eligible expenses according to the Income Tax Act, to a maximum determined by the plan sponsor, plus an administration fee.

HCSA – Healthcare Spending Account

A Healthcare Spending Account (HCSA) is a self-directed, self-funded account which runs on a calendar year basis with an established annual allotment of funds for each employee.

Employees and family members covered under an HCSA in Canada are able to choose the treatment that they wish.  Rather than trying to work within the boundaries of insurance plans, an HCSA allows members to follow the recommendation of healthcare practitioners. There are no special conditions or limitations.

An HCSA differs from traditional insurance coverage, as the policy is based on your budget and your needs.

Retirement Products
A group retirement plan is an effective and economical way to help employees save for their retirement.  Employers agree their most valuable asset is their employees and a group retirement and savings plan is an affordable way to help employees and their families save for retirement.  We will assist you in creating a custom-designed retirement savings program to meet the needs of your organization.