Health · Dental · Team coverage
Group benefits for businesses in Mississauga, Vaughan and the GTA
Group benefits help you attract and keep good people. I design plans that fit your team and budget, then stay involved at renewal so costs and coverage stay balanced.
Have these handy for a fast quote
- Number of eligible employees
- Employee ages and classes
- Current plan booklet and renewal, if any
- Budget and cost-sharing preference
- Coverage priorities
What a group plan can include
Extended health
Prescription drugs, paramedical practitioners, vision and more, within plan maximums.
Dental
Preventive, basic and major dental services at chosen reimbursement levels.
Group life and AD&D
Life coverage for employees, often a flat amount or multiple of salary.
Disability
Short- and long-term disability income for your team.
Health spending accounts
Flexible dollars employees can use on eligible expenses.
Employee assistance
Confidential counselling and support services.
Broker tips
Plan design tips
- 01
Start with priorities
Ask what your team values before choosing benefits.
- 02
Consider cost-sharing
Splitting premiums can make richer plans sustainable.
- 03
Review usage at renewal
Claims experience drives renewal pricing for many plans.
- 04
Communicate the plan
Benefits only feel valuable when people understand them.
FAQ
Questions I hear often
How small can a business be to offer group benefits?
Some insurers offer plans for very small groups, sometimes starting at one or two employees, with specific rules.
Are group benefit premiums a business expense?
Premiums paid by the employer are generally deductible business expenses. Confirm with your accountant.
Can owners be covered?
Yes, owners who actively work in the business are usually eligible.
What happens at renewal?
The insurer reviews claims and pricing. We review the results with you and market the plan if needed.
Ready to compare group benefits?
Tell me a little about what you need. I will compare options and come back with a clear recommendation.