Employee Benefits
Employee Benefits for 50+ Employees
With fifty or more employees, you are buying benefits at a scale where funding structure matters as much as coverage. Experience-rated pricing, self-funding options, and serious negotiation are all on the table, and the difference between a managed plan and an ignored one is measured in real money.
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At This Size
What a plan typically includes at this size
Experience-rated health and dental
Pricing driven substantially by your own group’s claims, with the analysis to match.
ASO and self-funded options
Administrative-services-only arrangements where the business funds claims directly and buys administration and insurance protection around them.
Stop-loss and pooling protection
Insurance against outsized claims, so one catastrophic case does not define your year.
Executive private health layer
Private health care access for owners and key executives, including VUMI Corporate, which starts at just three employees and scales with you.
Good To Know
The work is in the management
At this size the plan should be managed like any other major contract: claims reviewed, funding tested against alternatives, and the carrier relationship negotiated, not just renewed. We provide that management year-round, including renewal analysis well before your deadline, so you are never choosing under time pressure.
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
Is self-funding risky for a group our size?
It changes who carries the claims risk, which is why stop-loss protection and honest cash-flow analysis come first. For many groups over fifty it lowers cost meaningfully. We will show you both structures side by side before you choose.
How often should a plan this size go to market?
A full market check every few years, and a renewal audit every year. Carriers price differently as your group changes, and the incumbent should have to earn the business.
Can you work with our HR team and payroll?
Yes. We coordinate enrolment, changes, and terminations with your HR and payroll contacts, and give employees a clear point of contact for claims questions.
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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