Employee Benefits
Employee Benefits for 20-50 Employees
At twenty to fifty employees, your benefits plan is a real budget line and a real competitive weapon. You have enough size for carriers to negotiate, enough claims history for your own experience to matter, and enough people that plan design choices show up in the numbers.
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At This Size
What a plan typically includes at this size
Full health and dental
Broader paramedical coverage, stronger drug plan options, and dental maximums that match what your competitors offer.
Disability done properly
Short and long term disability with definitions and limits reviewed against your actual payroll, not a template.
Executive and private health options
Many groups this size add a layer for owners and key people, including private health care access through plans like VUMI Corporate.
Retirement savings
Group RRSP or pension arrangements that help long-service employees build something real.
Good To Know
Experience starts to count
In this range, your own claims experience begins to influence your pricing alongside the pool. That cuts both ways, and managing it is the job: plan design, drug plan management, and disability oversight all move your renewal. Administrative-services-only funding starts to become a conversation near the top of this range. We bring the analysis to you in plain language, with options, before renewal decisions are due.
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
Our renewal jumped. Is that normal?
Some increase is normal as a group matures, but a jump with no explanation is not something to accept. We audit the renewal math, check it against your claims experience, and take the plan to market when the number cannot be justified.
Can different employee classes have different coverage?
Yes. Plans commonly have classes, for example executives, management, and staff, with different levels of coverage. We will help you design classes that are fair and defensible.
How long does switching carriers take?
Plan on a few weeks from decision to start date. We handle the transition so employees see no gap in coverage.
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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