SUCCESS THAT SPANS GENERATIONS

Innovative group insurance plans

Group benefits packages that give your company the leading edge

A caring and comprehensive group insurance plan plays an important role in a successful human resources strategy. The right benefits package can help retain key staff and reduce turnover while attracting new candidates to your business. Our group insurance plan services begin by consulting with you, the employer, on your budget needs and expectations. We’ll also advise you on today’s insurance market trends and provide you with innovative options that will maximize your investment and provide a greater human resources return.

Extended Health Care

Contributes towards the cost of medical expenses not covered by your provincial medical plan. Most plans have some up-front deductibles that need to be paid before the plan will reimburse covered expenses. Most common expenses covered include:

  • Drugs
  • Hospital
  • Paramedical practitioners (chiropractor, physiotherapist, etc.)
  • Private duty nursing
  • Ambulance
  • Artificial limbs, medical equipment and supplies
  • Vision care
  • Out of country coverage

Accidental death and dismemberment

Is payable only in the event of death or dismemberment resulting from an accident (works like double indemnity).

  • Term insurance with no cash value
  • Insures employee and/or dependent
  • Usually is the same amount as basic life insurance
  • Proceeds are non-taxable
  • Benefit payable is a percentage of the coverage depending on the nature of the dismemberment or paralysis

Have more questions about our group insurance plans that span generations? Visit our FAQ section or contact us to arrange a personal investment consultation.

Dental Coverage

Contributes towards the cost of dental expenses. Most plans have some up-front deductibles that need to be paid before the plan will reimburse covered expenses, and there are annual and/or lifetime maximums for reimbursement. Most common expenses covered include:

  • Basic services including examinations, fillings, cleaning and scaling, root canal therapy and gum tissue treatment
  • Major services such as crowns, bridges and dentures

Weekly indemnity and long-term disability

Plans provide financial protection for your employees by paying a portion of their income while disabled. The amount they receive is based on the amount they earned before disability began. Benefits commence from the first day of the accident or the eighth day of sickness and continues to be payable to age 65.

Basic Life Insurance

Is payable in a lump sum to the named beneficiary in the event of death from any cause.

  • Term insurance with no cash value
  • Insures employee and/or dependent
  • Proceeds are non-taxable to the beneficiary
  • Portable – can be converted to an individual policy in most instances. When coverage under the group plan terminates

Have more questions about our group insurance plans that span generations? Visit our FAQ section or contact us to arrange a personal investment consultation.