Group Benefits

Group Benefits, Simply Put

As an employer, you want to provide your employees with more than just a salary. You want to give them an employment package. An employee benefits plan is a simple, sustainable way you can give something more. Group Benefits are the best way to reward valuable employees, and attract and retain the talent you need.

What Are Group Benefits?

As an employer, you want to provide your employees with more than just a salary. You want to give them an employment package. An employee benefits plan is a simple, sustainable way you can give something more. Group Benefits are the best way to reward valuable employees, and attract and retain the talent you need.

  • Life and Accidental Death and Dismemberment Insurance
  • Critical Illness Insurance
  • Short Term Disability Insurance
  • Extended Healthcare Benefits
  • Long Term Disability Insurance
  • Dental Benefits

Though the other portions are still valued by employees, when they ask about benefits employees are generally referring specifically to health, dental, and vision coverage.

group benefits
group benefits
group benefits

What Is Generally Included in the Health Benefits Portion of the Plan?

When most people think of health benefits, they tend to think mainly of the prescription drug portion of the plan. However, there are a variety of other health care issues that are covered in this portion of the plan, including:

Professional Services

This includes treatments from chiropractors, psychologists, massage therapists and more. In recent years, these services have become more popular in use by group members.

Prescription Drug

This includes the drugs you are prescribed by your doctor. Examples include birth control, smoking cessation support, and other common prescriptions.

Out of Province Medical

It is a common misconception that residents of Ontario receive the same coverage when travelling to other Provinces. This benefit covers employees travelling across Canada and to foreign countries.

In addition, employers can choose to add coverage for home care nursing, paramedical supplies, and vision care to their employee benefits package.

What Is Normally Covered Under the Dental Portion of the Benefit Program?

Levels of dental coverage that can be purchased as part of a benefits package are divided into three categories:

Basic & Preventative

This includes any treatments which are basic to the health of your teeth, including cleaning, fillings, and x-rays.

Major & Restorative

This option covers other, more serious treatments, including caps and crowns.

Orthodontics

Plans do not often offer this type of coverage today. When it is offered, it usually offers a 50% deductible and a cap on benefits payable.

Why Should an Employer Offer Group Benefits?

Businesses who offer group benefits programs are supporting employee retention by rewarding long term employees with something more than a basic salary. They are also enhancing talent attraction, by offering something more. Benefits plans provide protection for employees and their families from the unexpected. These plans help company employees to feel valued.

Companies We Work With

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