• Group Insurance Health Benefit Plans -Including cost containment
• Corporate Insurance Planning -including keyman and partnership Buy-Sell Insurance
• Private Pension Plan creation and administration

Group Insurance Benefits

• Basic Life Insurance
• Basic Accidental Death & Dismemberment
• Extended Health Care
• Dental
• Short Term & Long Term Disability
• Critical Illness
• Group RRSP
• Cost Plus

If you are looking at implementing a Group Benefits Program, just simply complete our online Group Benefits Plan Selection

OR, download the necessary forms and e-mail them to our Group Benefits representative.

Areas of Expertise:

• Cost Containment.
• Communications including booklets, brochures, slide presentations, annual benefit statements, etc.
• Executive compensation arrangements.
• Group Insurance benefits of all types, including flexible compensation plans.
• Labour negotiations relative to benefits and compensation.
• Pension and retirement plans, including, profit sharing and Group RRSP's.
• Self-insured benefits including ASO contracts.
• Social welfare benefits such as: C/QPP, UT, OHIP, WCB, CSST.
• Special risks and accident plans of all types

Right click and select "Save As" to download the file.

• General Business Information
• Benefit Plan Selection
• Employee Data

PDF Files

Right click and select "Save As" to download the file.

• General Business Information
• Benefit Plan Selection
• Employee Data

Basic Life Insurance is payable in a lump sum to your named beneficiary in the event of your death from any cause. It is:

• Term insurance with no cash value
• Insures employee and/or dependent
• Proceeds are non-taxable to the beneficiary
• Portable - can be converted to an individual policy in most instances when coverage under the group plan terminates

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Accidental Death and Dismemberment is payable only in the event of death or dismemberment resulting from an accident (works like double indemnity). It is:

• Term insurance with no cash value
• Insures employee and/or dependent
• Usually is the same amount as Basic Life Insurance
• Proceeds are non-taxable
• Benefit payable is a percentage of the coverage depending on the nature of the dismemberment or paralysis.

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Extended Health Care contributes towards the cost of medical expenses not covered by your Provincial Medical Plan

• Most plans have some up-front deductibles that need to be paid before the plan will reimburse covered expenses.
• Premiums paid can be used towards your medical expense tax credit under your income tax; reimbursement is not taxable income
• Most common expenses covered include:
• drugs
• hospital
• paramedical practitioners (chiropractor, physiotherapist, etc.)
• private duty nursing
• ambulance
• artificial limbs, medical equipment and supplies
• vision care
• out of country coverage

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Dental contributes towards the cost of dental expenses

• Most plans have some up-front deductibles that need to be paid before the plan will reimburse covered expenses and there are annual and/or lifetime maximums for reimbursement
• Premiums paid can be used towards your medical expense tax credit under your income tax; reimbursement is not taxable income
• Most common expenses covered include:
• Basic Services (examinations, fillings, cleaning and scaling, root canal therapy and gum tissue treatment)
• Major Services (including crowns, bridges and dentures)

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Weekly Indemnity and Long Term Disability plans provide financial protection for you by paying a portion of your income while you are disabled. The amount you receive is based on the amount you earned before your disability began. Benefits commence from the first day of the accident or the eighth day of sickness and continues payable to age 65.

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• Cost Containment.
• Communications including booklets, brochures, slide presentations, annual benefit statements, etc.
• Executive compensation arrangements.
• Group Insurance benefits of all types, including flexible compensation plans.