Employee Benefits.
Health, dental, life, and disability coverage from Canada's top carriers. Designed for your business, administered by us.
A real benefits program.
An employee benefits plan covers the health, dental, life, and disability protection your team and their families need. The staff appreciates knowing someone is looking out for them, and the company gets a real recruiting and retention tool.
Most brokers sell you a plan and leave you to figure out the rest. I don't. We provide consultation and administration of every aspect of the program, so your staff doesn't have to become benefits specialists. And we don't charge extra for any of it.
Six core coverages.
Extended Health Care
Prescriptions, paramedical (massage, physio, chiro), vision, out-of-country travel. The coverage your team actually uses.
Dental Coverage
Preventive, basic, and major services with orthodontic options for families. Configured to your dental fee guide.
Life Insurance
Basic life coverage, dependent life, and optional top-ups. Named beneficiaries, portable on exit.
Disability (Short and Long Term)
Income protection if illness or injury keeps a team member out of work. The benefit your employees hope never to need.
Critical Illness
A tax-free lump-sum benefit if a covered condition such as cancer, heart attack, or stroke is diagnosed. Used how the employee chooses.
Employee Assistance Program
Confidential mental health, counselling, and wellness support for every employee, often extended to family members too.
Plan building is the easy part. The hard part is everything after.
Enrolment and onboarding
We handle new-hire enrolment, mid-year life events, and coordination with your payroll or HRIS provider. You do the hiring; we do the forms.
Claims support
Your staff calls us, not the carrier. We give quicker, more accurate replies, and we know how to present a question or claim so it actually gets a favourable result. For deaths and disabilities, we complete the claim forms ourselves.
Renewals and negotiation
Three months before each renewal I run a projection so there are no surprises. We negotiate every increase with the carrier, and every three to five years we market the program to all carriers to keep them honest. One recent client came in at a proposed 37 percent increase. We negotiated a 4 percent reduction.
Annual reports
A full financial, claim, and cost-benefit report each year, line by line. I do an in-depth review of claims and demographics to find issues we can address to reduce premiums, and I look for public or private programs we can shift eligible claims to.
Staff seminars and communications
Employee benefit seminars on-site or virtual, written drafts for any communication material you need, and surveys when it's time to rethink the plan. Your team gets a plan they actually understand.
Plan changes
Adding a dependent, changing coverage tiers, switching carriers, updating plan design. We handle the paperwork and the process.
HR consultation
Available to management throughout the year for consultation on human resource matters. Hiring procedures, terminations, severance. We've seen what works and what doesn't.
Billing software included
Premium billing software that shows premiums, benefit levels, and payroll deductions by employee and combined. Makes your payroll team's life easier at no extra cost.
Cost containment review
A list of cost containment options for your plan. Employee and employer cost sharing, benefit design changes, the pros and cons of each. You get a clear picture before deciding anything.
Employers who want a real benefits program without hiring a benefits specialist. If your HR team is small, or you don't have one, we step in as the benefits department.