Group Benefits

Best for: Protecting yourself and your loved ones from the financial impact of accidents

Group Benefits — Protect & Support Your Workforce

Group benefits are employer-sponsored insurance plans designed to protect employees and their families, covering health expenses, life and disability risks, and income protection beyond what provincial plans provide.

Core Coverages

Health & Extended Care: Prescription drugs, vision, hospital services, paramedical care, emergency travel.
Dental Insurance: Cleanings, fillings, crowns, dentures, orthodontics.
Life Insurance: Tax-free lump sum for beneficiaries.
Accidental Death & Dismemberment (AD&D): Extra financial protection for accidents.
Disability Coverage:
- Short-Term (STD): Partial income replacement for temporary disabilities.
- Long-Term (LTD): Ongoing income replacement for extended illnesses or injuries.

Optional Enhancements

Critical illness insurance
Wellness & employee assistance programs (EAP)
Health spending accounts (HCSA)
Vision care

Why It Matters

For Employees: Peace of mind, financial stability, and reduced out-of-pocket costs.
For Employers: Attracts and retains talent, promotes wellness, and strengthens workforce productivity.