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The biggest mistake many Canadians make is walking into their local bank and accepting a "one-size-fits-all" policy. As an independent broker licensed since 2020, I work for you, not the insurance companies.
You only need a minimum of 3 employees to qualify for a robust group benefits "vehicle." This allows small businesses and startups to offer the same level of security and professional drug and dental coverage typically reserved for large corporations, helping you stay competitive from day one.
Yes, this is one of the most significant advantages of group insurance. Unlike individual plans, where health history can limit coverage, our group "vehicles" include prescription drug coverage for all employees, regardless of their pre-existing conditions, ensuring no one on your team is left behind due to their medical history.
We prioritize immediate care by eliminating standard waiting periods. In the plans I design, dental benefits for cleanings, X-rays, and fillings, as well as prescription drug coverage, typically apply right from the beginning of the policy. This ensures your team feels the value of their benefits package immediately.
Absolutely. In the vast majority of cases, the premiums paid by the employer for a Group Benefits plan are considered a 100% tax-deductible business expense. This makes a benefits package a highly efficient strategic investment, as it protects your staff while reducing your company's overall taxable income.
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