Employee Benefits

Having access to all plans designs and options allows us the ability to customize solutions to attract and retain your employees.  As an independent brokerage we can sort through the best of what the industry has to offer.

Extended Health, Vision and Dental Care

coverage for prescription drugs, Physiotherapy, Registered Massage Therapy, Chiropractic, Vision Care, medical services and supplies, Employee and Family Assistance Programs to deal with Mental Health issues, Dental Services such Basic, Major Restorative and Orthodontia

Group Short Term / Long Term Disability

A great way to protect your employees income if they suffer form an unexpected Accident or Illness.

Group Critical Illness Insurance

provides one time lunmp sum tax free payments in case an employee suffers a life threatening illness such as Cancer, Heart Attack or Stroke.

Employee and Family Assistance Plans (EFAP)

Mental Health is a major concern for employers and employees: these plans can assist with the counseling and services to keep employees mentally healthy and actively working, which also benefits themselves or their families.

Health Spending Accounts (HSA)

HSA’s are the most flexible of all benefit plan options, there is a high degree of customization, cost control and administrative fee savings.  HSA’s however are not designed to cover high risk elements such as Group Life or Short / Long Term Disability, however both of these plan options can be combined together for maximum flexibility and insured protection.

Administrative Services Only (ASO)

ASO plans are a combination of self insuring with the benefit of full administrative services and claim adjudication.  These programs offer a high degree of flexibility and are best for employers with 100+ employees.

"Flex Benefits" and Custom Plan Designs

No two companies are alike – neither are your employees.  It is possible to create a “Group” Benefits Plan while at the same time providing for individualized coverage levels.  Please contact us for more information.

Group RRSP, Deferred Profit Sharing Plans (DPSP) and Pension Plans

supplementing your employees retirement planning encourages long term employment and contribution to your organization.  We can customize a program for you with access to the best providers our industry has to offer.