This is the most utilized benefit, and can include everything from prescription drugs, to practitioners, to travel insurance as well as your dental care. Like most coverage you are able to pick and choose what you would like covered.
These benefits are utilized to protect against large unforeseen events. Life insurance is there to help dependents if an employee passes away. Long Term Disability will provide a level of income protection if employees become sick or injured to a point where they are unable to do their job.
Spending accounts are not considered traditional insurance, but they offer a unique and effective way to reimburse employees for their claims. You decide how many dollars to allocate to the employees, and we’ll handle the rest. Spending accounts can be used to reimburse a variety of claims from traditional health and dental claims to things like gym memberships and transit passes.
This is what is called a living benefit. Critical illness can be claimed by the insured when they are diagnosed with one of the covered benefits (most common are Heart attack, Cancer, and Stroke). The whole benefit is paid in full and can be used at the insured’s discretion.
An EAP offers support to employees and their family members in the form of short-term counselling. The sessions will usually be done over the phone and are completely confidential. They offer support for a number of different issues including but not limited to: Addictions, Bullying, Financial Stress, and Legal matters.
ASO is a type of arrangement where your organization agrees to fund your own benefit plan, meaning you will reimburse all the claims that are made. The provider will offer Administrative services in the form of processing claims. This product isn’t meant for everybody, but in the right situation can be very effective and save your organization money.
If employees are diagnosed with a serious illness we partner with providers that allow easy access to a second opinion service to ensure their diagnoses is correct. The doctors that we provide access to are some of the top medical minds in the world.
You might find yourself in a situation where you want to provide different benefits to each employee, or perhaps give your employees a level of control in choosing their own coverage. We have multiple Flex options for both large and small organizations.
Through an exclusive partnership with an HR Solutions firm we can provide your organization with access to an HR package. This will include templates for employment contracts, handbooks, manager guides as well as recruiting tools.
This is one of the newest platforms that allows healthcare providers to host virtual visits with patients over video, audio or chat. This is very beneficial for employees who are very busy and might not have time to go to the doctor and get their prescription filled.
If individual employees are looking for additional insurance coverage on top of what is provided through their group plan. Or if they are looking for guidance with their financial plan, we can help with this as well. We partner with Certified Financial Planners that can work directly with individuals.
For small groups we can offer Group Savings products as well. The most common product is a Registered Retirement Savings Plan (RRSP), but we can also provide a Deferred Profit Sharing Plan (DPSP) or a Tax Free Savings Account (TFSA).
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