Group Life Benefits

We provide assistance to employers in managing all aspects of their employee benefit plans and related government plans. From design, through obtaining quotations and performing valuations to ongoing administration, we are committed to providing quality service in the area of Group Life, Accident, Health, Dental and Disability.

In Canada, Group Benefit Plans are a tax effective way to compensate employees. Health and dental benefit plans are not taxable to the employee (except in Quebec)


  • Assistance in design or re-design of benefit programs, including multi-option plans or flexible benefit plans.
  • Obtaining quotations from insurers based on detailed specifications, analyzing the quotations received, and providing recommendations in a report format for electing appropriate insurers.
  • All necessary assistance in the implementation of any benefit plans or changes including preparation of announcement material.
  • Review of policy documents and assistance in the design of employee booklets.
  • Negotiations and reviewing premium rates with the insurer's renewal.
  • Analyzing the financial information from insurers on renewal and commenting on the underwriting approaches or concept best suited.
  • Assistance in design, actuarial costing, and management of self-insured plans
  • Specific studies: Retiree liabilities, cost-containment, absentee control
  • Assistance to whatever extent is required in resolving unusual claims and
    administration problems.
  • Help with Union Negotiations as they pertain to our sphere of responsibility.
  • Disability Plan Management

Group Benefit Plan Services

  • Insured programs
  • ASO = Administration Service Only
  • Health and welfare trusts designed for corporations
  • Health care spending accounts
  • PHSP's = Private Health Services Plans designed for sole proprietorships or partnerships
  • Third party Administration

Risk Management Approach to Group Benefits Programs

  • Group benefit audits
  • Employer benefits liability exposures
  • Disability claims management
  • Absence Management
  • Health and dental claims management
  • Employment Standards Act compliant audit

Additional Consulting Services

  • EI employment insurance rate reduction program: Government insurance vs own STD program
  • WSIB claims management: pre and post WSIB audit assistance
  • Employer/employee manual audit
  • Payroll taxation benefit plan audit
  • Wellness programs
  • Health care fraud prevention

Insurance for Catastrophic, Sudden & unexpected Risk

  • Group Life, AD&D, LTD
  • Emergency travel medical insurance. Mandatory for employer liability exposures.
  • Critical illness
  • Disability programs designed for principles of corporation not covered by WSIB/EI
  • Group RSP, IPP, TFSA