Group Benefits Ontario

Employer-sponsored group benefits plans can help organizations provide more than drug and dental coverage for their employees. As a dedicated insurance broker, we'll help you craft a group benefits plan that is tailored specifically for your organization's and employees' needs.

What is Group Benefits?

A business is only as good as its employees. As such, to retain employees and keep them engaged, healthy, and appreciated, it's important to offer a comprehensive group benefits program. Typically, when sponsoring a group benefits plan, employers will hire a group insurance provider who insures the plan members, pays out claims, and runs the various aspects of the program.

While group benefits programs are often customized on an employer basis, organizations have the option to sponsor benefits like:

Extended health care (EHC)

The extended health care (EHC) benefit reimburses eligible medical expenses not covered by an employee's provincial plan (i.e., OHIP). This can include coverage for prescription drugs, vision care, hospital care, medical services and equipment, paramedical services, and assistance with out-of-proving emergency travel.

Group life insurance

In the event that a plan member dies while enrolled, the group life insurance benefits is paid out to their family. The benefit itself is typically based on a multiple of the plan member's earnings or a fixed amount.

Accidental death and dismemberment (AD&D) insurance

The accidental death and dismemberment (AD&D) benefit pays out to an employee should they become paralyzed or lose their hearing, eyesight, or ability to speak in an accident. What's more, should the employee die accidentally, the benefit would be paid out to their family.

Dental care coverage

This benefit covers preventive and diagnostic dental treatments for your employees.

Disability benefit plans

‍The disability benefit is designed to replace a portion of a plan member's income should they become ill or injured and can no longer work.

Additional benefits

• Vision
• Paramedic Services
• Travel
• Hospital
• Employee Assistance Plan (EAP)
• And more!

Provincial plans, like OHIP, provide limited levels of coverage for employees. This makes group benefits plans all the more attractive, helping you stand out and retain quality workers.

Contact one of our group benefits consultants to learn more how you can help attract and retain key talent.