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 Group Health
group health insurance

To discuss your Group Health Insurance with one of our professional commercial lines representatives today, call 905-886-5630 or toll free at 1-800-567-1279, or fill out the online quote form.




Flexible benefit programs are a popular choice for employers who want to attract, keep or retain employees or offer employee members increased selection and control over benefits.

Group benefit programs cover four main areas: Group Life, Dental Benefits, Health/Medical Care and Short/Long Term Disability.

Group Life Insurance
Group life insurance for members, spouses and children can be a cost-effective way to provide employees with important financial protection. We can offer a full range of Group life plan types and amounts, beginning with as little as $10,000 in coverage per person. Plans can be designed in a variety of ways:

  • Flat dollar amount of benefit (for example, $50,000).
  • Multiples of a salary (for example, 2 X annual salary).
  • Different amounts for different categories of employees (for example full-time/part-time; management/other; division A/division B, etc.)
  • Waiver of premium feature to eliminate premiums upon the disability.
  • Optional group life programs, allowing employees to choose their own customized level of coverage based on their individual needs and costs are a popular addition.
Accidental death and dismemberment insurance is also available. As a cost-effective supplement to Group life insurance, it provides for additional (usually double) payment in the event of death caused by accident. Provisions for serious disabilities, such as paralysis, resulting from accident are also included.

Group Health/Medical Care Plans
Provincial health insurance plans are leaving larger and larger gaps in the funding of health care. Without supplementary health coverage, individuals can find themselves faced with significant out-of-pocket costs when seeking treatment. A group health plan can fill in some or all of those gaps, as well as providing important protection to plan members and their families in the event of serious illness or injury.

Group health plans can be customized to meet a wide variety of needs. A full range of coverage is available. Here are a few examples:

  • Home nursing care.
  • Out-of-province emergency travel coverage.
  • Chiropractors, massage therapists, physiotherapy.
  • Practitioners of many kinds (podiatrists, naturopaths).
  • Equipment (e.g. wheelchairs).
  • Other medical supplies and services.
  • Semi-private or private hospital room coverage.
  • Vision care (eyewear and eye examination costs).
Dental Benefit Plans
Our company offers a wide range of dental plan options for groups with single employees to thousand of employees. This covers such work as:

  • Diagnostic
  • Restorative
  • Endodontics
  • Surgical
  • Periodontics
  • Dentures
  • Bridges crowns
  • Orthodontics
Our companies track claims results and then the plan can customized to the specific needs and keep costs under control.

Short & Long Term Disability
Being off work due to illness or injury can create significant financial hardships. Workers' Compensation and CPP/QPP may not adequately cover related costs, and in certain cases, not at all. Disability insurance for short or long terms through a group plan provides cost-effective protection along with a wide range of features.

Our Insurers offer:

  • Income replacement coverages for short or long terms
  • levels of replacement income
  • Benefit duration periods
  • Options for integration with other sources of income
  • Choices of definition of disability
  • Supplementary features such as cost-of-living riders
  • Wide selection of qualifying periods
  • Claims payments by cheque or electronic deposit
  • Every claimant is assessed for rehabilitation potential
  • Top-notch rehabilitation consultants and services
  • Early intervention even before claims payment starts, to ensure effective case management

Disability Consulting Services are available on a fee for service basis a team of expert provide customized consulting on absenteeism management, disability prevention, ergonomics, counseling, seminars and other services to help clients reduce their overall costs related to disabilities.

 
 

Updated August 1, 2002

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