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A Competitive Edge
An attractive employee benefit program is your cornerstone to hiring and keeping quality people.
Whether you have a small staff or a large, multi-tiered organization, providing the appropriate benefits and incentives can be an important element in candidate's evaluation of your compensation program and their future.
Benefits of a Group Health Plan
 Click the arrow to the left and one of our qualified brokers will contact you.
Advantages of Providing An Employee Benefit Plan
- A safety net for you, your employees and your respective families against the financial problems caused by unexpected heath and dental expenses
- The incentive of tax-free* heath and dental coverage rather than paying these expenses with after-tax dollars
- A tax deduction for you the employer
- Ease of administration and a fixed budget for providing benefit Vs the variable costs of unforeseen heath and dental expenses
- An employee benefits program is an effective alternative to a salary increase
* Some restrictions apply - call for more details.
Group Insurance Benefits
- Life Insurance and Spousal/Dependant Coverage
- Accidental Death and Dismemberment
- Prescription Drug Coverage
- Paramedical Coverage
(Chiropractors, Therapists, etc.
- Group Pension Plans
- Group RRSP Plans
- Short Term Disability
- Long Term Disability
- Extended Healthcare/Visioncare
- Dental Coverage
- Out-Of-Country Emergency Medical
(Travel)
- Critical Illness Insurance
Cost Plus
An option to provide tax-free coverage of non-scheduled services (i.e., Orthodontics) for owners and/or select employees.
In Addition...
Employee seminars can be arranged to help your staff and their spouses understand the value of your benefit program and to assist in general financial planning.
Can You Afford Not to Have Benefits?
You will be pleasantly surprised how little you will pay. In today's competitive market, a wide choice of plan options, selection of appropriate benefits and limits and cost sharing with employees (usually 50/50) all affect the final pricing of the plan. A two tiered plan for owners/managers and staff can also be developed. The premium is 100% tax deductible to the firm yet health and dental benefits do not confer a taxable benefit to the employee.
The cost of replacing a key employee lost to another company offering benefits could easily offset the cost of the plan.
What's Next?
If you are considering employee benefits for your company, let one of our group specialists provide you with a consultation. As an independent brokerage, we have the expertise to assist you in your plan design and the resources to survey the market on your behalf. We will work with you to design a plan that meets your needs as well as your budget.
If You Currently Have a Group Plan
One of our associates would be happy to review your program and provide you with a complete proposal. Our recommendations will take into account any existing association group benefits that may be available to you. |
