GROUP BENEFITS
INVESTING IN YOUR TEAM’S HEALTH AND YOUR COMPANY’S GROWTH.
For businesses with as few as 3 employees, I design benefit "vehicles" that protect your most valuable asset: your people.
Note: Group Benefit solutions are available for businesses in Alberta, British Columbia, Ontario, Saskatchewan, and Manitoba.
Benefits for the Employer: Strengthening Your Business
Providing a benefits plan is a strategic investment that yields long-term dividends for your company in cities like Calgary, Toronto, or Winnipeg.
Attract & Retain Top Talent
Stand out as an employer of choice by offering security to high-performing professionals and their families.
Tax Advantages
In most cases, premiums paid by the employer are a 100% tax-deductible business expense.
Increased Productivity
By providing access to preventative care (dental, vision, mental health), you reduce absenteeism and ensure a healthier, more focused workforce.
Corporate Stability
Shield your business from the financial strain of a key employee’s long-term disability or critical illness.
Benefits for Employees & Families: Comprehensive Security
We bridge the gap between provincial health plans and the real-world costs of family care
One of the biggest hurdles in the Canadian insurance market is obtaining coverage after a health setback. Many people believe that once they have been declined by an insurance company or have a pre-existing condition, they can no longer protect themselves.
Health & Prescription Drugs
(Inclusive Coverage)
Pre-existing Conditions Included
Unlike individual plans, our group "vehicles" include prescription drug coverage even for employees with pre-existing conditions.
Immediate Access
Employees and their families can access their drug benefits from day one.
Dental Care
(No Waiting Periods)
Start Right Away
We prioritize immediate care. Dental benefits apply right from the beginning of the policy, covering cleanings, X-rays, and fillings without standard waiting periods.
Family Support
Coverage extends to spouses and dependent children, ensuring the whole household is protected.
Disability Insurance
(Income Protection)
Short-Term & Long-Term Disability
If an employee is unable to work due to an accident or illness, the plan replaces a portion of their income, ensuring they can pay their bills while they recover.
The Knowledge Gap: A Plan That Grows With You
One of the most unique features of the strategies I provide is Scalable Coverage. We understand that a startup in Saskatoon has different needs than an established firm in Vancouver.
Benefits Growth Over Time
Our plans are designed to evolve. As your company grows, the coverage can become more complete and sophisticated, offering higher maximums and additional paramedical services (like massage, physiotherapy, and mental health counseling).
Bilingual Implementation (EN/ES)
I provide professional, presentations for your staff to ensure every employee fully understands the value of the benefits you are providing.
Is Your Business Eligible?
- Minimum Group Size: Only 3 employees are required to start a plan.
- Target Cities: Specialized local support for businesses in Edmonton, Regina, Ottawa, and beyond.
- Professional Advocacy:Since 2020, I have acted as the bridge between Canadian insurance carriers and small-to-medium business owners, ensuring you get the best "vehicle" for your budget.
Build a Stronger Team Today
Don’t wait to lose a great employee to a competitor with better benefits. Let’s design a growth-oriented roadmap for your company.
Frequently asked questions group benefits
What is the minimum number of employees required to start a plan?
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.
Are pre-existing conditions covered under a group plan?
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.
How soon can my employees start using their dental and drug benefits?
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.
Are the premiums paid by the employer tax-deductible in Canada?
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.
Book a free consultation now
We’ll discuss your next best steps during this brief call; your information is secure and we are committed to confidentiality.