Traditional Insurance Plans

This format of employee benefit plans is by far the most common for small and medium sized enterprises. Core benefits include life insurance for employees and their dependents, disability insurance (short-term and/or long-term), extended health insurance and dental insurance. Other available benefits include critical illness insurance, employee assistance programs, 2nd opinion medical services, healthcare spending accounts, personal wellness accounts and cost-plus. These plans are provided by over a dozen different providers in Canada and we have access to all of them.
Your rates are set at the beginning and subject to annual changes when your plan renews. A big part of our job is to review the annual renewal and negotiate the rates with your provider. Another major part of our service is to “market” your plan every three to four years at a minimum to ensure that you are getting the best value possible.