Group Benefits Plans

Types of Group Benefits Coverage

There are many different types of group benefits plans each its own benefits and coverages. We take the time to understand the types of coverage your employees need and what type of budget the business is working with. We then find the best group benefits plan for your business and your employees.

Some of the most common types of coverage group benefits plans offer are:

• Health Benefits – give your employees coverage on prescription drugs, paramedical services such as physiotherapists, chiropractors and massage therapy, and vision care.
• Dental Benefits – most plans mostly or completely cover routine dental care such as cleanings, fillings and x-rays, as some offer coverage for extended services such as cosmetic dentistry, orthodontics and dentures.
• Life & Disability Insurance – some plans offer employees life, AD&D (accidental death and dismemberment), disability and critical illness insurance coverage.
• Out of Country Coverage – if your employees travel, give them peace-of-mind that they’ll be provided the care they need if they are injured or fall ill in a foreign country.

Depending on the type of group benefits plan you opt for, your employees may be required to pay a small deductible or the plan may provide full (100%) coverage. Different group plans also have annual maximum claims amounts for different healthcare categories.

Let us light the way to giving your employees the coverage they need at a price your business can afford. Get in touch and let’s chat.

How We Support Your Business

Getting the right group benefits plan that gives your employees the coverage on a budget your business can afford is just the first step in managing your employee benefits needs.

Getting the Answers You Need

Most employee benefits plan providers offer a self-service portal and call center and email support. But if you’re not getting the answers you need we often have special access channels to broker specialists that we can use to get you the answers that you need.

Review Your Employee Benefits Plan Usage

The job doesn’t end with getting the right coverage. Monitoring how your employees are using their coverage and adjusting the plan accordingly is something we do to help make sure your employee benefits plan is working as hard as you are!

Switching Providers

While you want to build a strong relationship with an employee benefits provider, sometimes it makes sense to survey the market to see what other options are available. Your needs will likely change over time, as will the variety of options different providers offer. We’ll keep an eye on the market and decide when it’s in your best interest to switch to a different provider.

Finding the right employee benefits plan is a great start, but continuing to manage how it benefits your business is just one way to help light the path to financial security and help you protect what matters most in your business.

Changing With the Different Phases of Your Business Life

Your group benefits plan needs will change through the different phases of your business’ life.

In the initial stages, you might be budget-minded and only have basic coverage for your employees. As your company grows and you have more employees, fortifying your benefits plan with additional coverage to give them the available protection helps attract the best available talent and builds loyalty and culture. Continually reviewing and refining your health and dental benefits plan can keep your business one step ahead of the crowd and make sure your employees and their families have the peace of mind that they’re protected against illness and accidents.

We’ll be with you every step of your way to make sure you have the right group benefits plan for the different phases of your business growth. Manage your business with confidence knowing we’ll be the guiding light for protecting you and your employees.