Traditional Benefits
- EXTENDED HEALTH CARE
EHC was designed to help Canadians cope with unexpected costs that exceed provincial health plans. It is a non taxable benefit to an employee. Monies paid towards it by an employer are tax free to the employee and family while covering much of the costs of prescription drugs, paramedical coverages such as massage therapy, etc. Our charges to manage this service are as if you were a very large employer with benefit of the same the discount. - DENTAL
Similar to EHC, this benefit is also tax free to employees for whatever % of premium the employer pays on their behalf. It covers all Basic services which represent at least 80% of all costs at the dentist. Major Services and Orthodontic treatments can be added or covered under a private spending account. - LIFE / ACCIDENTAL DEATH
Most group plans insist on you having this coverage. We don’t! Since the insurance is available with no medical questions asked and rated on the average age of your employees it’s a pretty good deal and costs very little. - CRITICAL ILLNESS
Could you or your business survive you being diagnosed with a severe illness? Critical Illness insurance pays you a lump sum on diagnosis of one of over 20 causes of illness on either a mandatory or voluntary basis! - LONG TERM DISABILITY BENEFITS
If one of your employees was disabled and couldn’t work, would you feel obligated to continue paying their salary? This benefit usually paid by the employee solves that difficult choice and can provide benefits up to age 65 if chosen. - SHORT TERM DISABILITY BENEFITS
This benefit is available to replace EI disability insurance resulting in a rebate to the employer. It can be a solution in some cases but also could be monies spent elsewhere for the small business. - RRSP’S
A method of payroll deduction to offer your employees a way to save for their retirement, get a tax deduction, with you providing the vehicle. You can contribute as the employer but you don’t have to.