Employee Benefits
Employee Benefits
Group benefits are the health, dental, life, and disability coverage you provide your team on top of salary. The right plan helps you attract and keep good people, and it protects them when something goes wrong. We design plans for businesses of every size, compare them across more than 30 Canadian carriers, and walk you through the trade-offs in plain language.
$10,000 a month
Saved for one accounting firm on their plan
2 to 50+
Team sizes we build plans for
Every major carrier
We compare quotes across the market
Renewal review
We renegotiate your plan every year
Why review your plan
Most plans are set up once and never questioned
Group benefits plans usually renew on autopilot. The broker who set yours up gets paid every month whether the plan still fits or not, and renewals arrive with a short explanation and a deadline.
A second look often finds real money. We recently saved one accounting firm $10,000 a month on the plan they already had. And when your current plan is competitive, our review confirms it in writing, so you know you are not overpaying.
Watch
What Is Included
Core elements of a group benefits plan
Health Insurance
Dental Insurance
Vision Care
Disability Insurance
Life Insurance
Retirement Savings Plans
Employee Assistance Programs (EAPs)
Wellness Programs
Plans by Team Size
Coverage options for every size of business
Health Care Spending Accounts & Benefits for One
Coverage options for one-person businesses, including health care spending accounts.
Employee Benefits (2-50)
Group benefits designed for small businesses with 2 to 50 employees.
Employee Benefits (50+)
Full group benefits plans for organizations with 50 or more employees.
Benefits for Tech Startups & Scale-Ups
Flexible benefits that help startups and scale-ups attract top talent.
How It Works
Working with us is straightforward
01
Book a free consultation
We talk through your situation and what matters most.
02
We shop the options
We compare coverage across 30+ Canadian carriers and walk you through the trade-offs in plain English.
03
You decide with confidence
We handle the application and underwriting, and we stay in your corner at claim time.
Getting Started
Getting your plan started
Plan on a few weeks from our first conversation to your plan’s start date. To prepare an accurate quote, we will need an employee census with names, dates of birth, salaries, and job titles for everyone to be covered.
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
Client Results
What a fresh look at your plan can do
Renewals creep up when nobody questions them. These are real plan reviews we have done for Ontario employers.
Same benefits, $10,000 a month less
An Ontario accounting firm came to us facing another renewal increase. We reviewed the plan line by line and shopped the same benefits across carriers. The firm kept every benefit its team already had, and now saves about $10,000 a month, roughly $120,000 a year.
No benefits cut. No disruption for employees. Just a broker who did the math.
A 150-employee bakery, reviewed line by line
A growing Ontario bakery with about 150 employees asked us to check a plan that had climbed year after year. We audited every line, tested the market, and rebuilt the plan around the coverage their people actually use.
We shared this story on Instagram: see the post.
What It Costs
What a group benefits plan costs
There is no shelf price, because every plan is built for the team it covers. These are the ranges we typically see for Ontario small and mid-sized businesses, before any cost sharing between the company and its employees.
Core plan
Health, prescription drugs and dental: about $150 to $260 per employee, per month.
Prescription drugs are usually the biggest cost driver.
Core plus protection
Add life insurance, AD&D and disability coverage: about $200 to $340 per employee, per month.
The protection employees feel most when something goes wrong.
Spending account top-up
A Health Care Spending Account adds flexibility: employers commonly fund $500 to $1,500 per employee, per year.
Employees spend it on what they actually need.
Most employers split the cost with their team, often 50/50 or 75/25. The only way to know your number is a quote built on your actual team. Ours is free, and it starts with a 30-minute conversation.
What does a group benefits plan usually include?
Most of the plans we build include health and dental coverage, vision care, life and disability insurance, and often a retirement savings component. Plans can also include employee assistance programs and wellness programs. We help you put together a package that is competitive for your industry and sized to your budget.
How much will group benefits cost our company?
It depends on your headcount, the coverage levels you choose, and how costs are shared with employees. We shop your plan across more than 30 carriers to find competitive pricing, and we will walk you through cost-sharing options that keep the plan sustainable.
Are there tax advantages to offering benefits?
Yes. Health spending accounts and certain retirement contributions receive favorable tax treatment for both the business and your employees, for example. We will walk you through the tax treatment with your accountant.
Collingwood and the Blue Mountains
Now serving employers around Southern Georgian Bay
We now work with employers in Collingwood, Thornbury, Wasaga Beach, and the Blue Mountains, with a broker who is in the area regularly. Seasonal teams and small teams welcome.
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.
Call