Employee Benefits
Employee Benefits for 5-20 Employees
Five to twenty employees is where group benefits start doing serious work for a business: recruiting, retention, and a team that is not quietly job-hunting over a dental plan. Most Canadian carriers compete for groups this size, and we make them compete for yours.
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At This Size
What a plan typically includes at this size
Health and dental
The core of every plan: prescription drugs, dental, paramedical practitioners, and vision care, with limits set to your budget.
Life and disability
Group life insurance and long term disability protect your people and their families if the worst happens.
Health care spending accounts
A flexible top-up many employers add so employees can spend where they actually need it.
Employee assistance programs
Confidential counselling and support services that cost little and get used more than most employers expect.
Good To Know
Where the value shows up
At this size your plan is usually fully insured and pooled or partially experience-rated, so renewals are steadier than owners fear. The bigger lever is design: the right drug plan structure, sensible paramedical limits, and cost-sharing that keeps the plan sustainable. We review the plan with you every year and re-shop it when the numbers stop making sense. One accounting firm we work with saved about $10,000 a month after a review found they were paying for a plan design their team did not match.
How It Works
Working with us is straightforward
01
Book a free consultation
We talk through your team, your budget, and what you want the plan to do for the business.
02
We shop the options
We compare plans across 30+ Canadian carriers and walk you through the trade-offs in plain English.
03
You decide with confidence
We handle enrolment and stay in your corner at renewal and at claim time.
Sample Booklet
See a Real Benefits Booklet
This sample was prepared from an actual Manulife group benefits booklet issued through Abrams Insurance, with the plan sponsor’s name and plan numbers removed. The coverage amounts shown are the sample plan’s actual amounts, so you can see exactly what a real plan booklet looks like before you set up your own.
Sample Group Benefits Booklet
When do we qualify for a group plan?
Most carriers want at least three full-time employees, so a team of five to twenty qualifies comfortably. Part-time staff can sometimes be included depending on hours worked.
Can we share the cost with employees?
Yes, cost-sharing is normal and often wise. Employees who contribute tend to value the plan more, and sharing keeps the plan affordable as it grows. We will model the split with you.
When should we switch brokers or re-shop?
If your renewal arrives with a big increase and no explanation, or your broker only appears at renewal, that is the moment. A second set of eyes on the plan costs you nothing and can change the numbers significantly.
Get started
Let’s get the right coverage in place.
Book a consultation in Toronto or virtually, or send us a note and we will be in touch within one business day.
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