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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.
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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).
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- Equipment
(e.g. wheelchairs).
- Other
medical supplies and services.
- Semi-private
or private hospital room coverage.
- Vision
care (eyewear and eye examination costs).
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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
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- Periodontics
- Dentures
- Bridges
crowns
- Orthodontics
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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.
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