Group Benefits

Group health, life, medical, dental, and disability plans allow groups of people to gain buying power for lower premiums.

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Many employers in Ontario provide employee benefits and group insurance coverage to their employees. These policies are important because they protect employees and their families by providing access to many types of additional health care.

Many group insurance plans include the following coverage:

Life insurance for employees or dependents

In the event of death of an employee or one of his or her dependents, an amount is paid to the beneficiaries

Disability insurance (wage loss replacement)

Employees receive a portion of his or her salary in the event of disability

Health insurance (medical care)

Provides coverage in addition to provincial healthcare plans. Several expenses are reimbursed at least in part, including:

  • Prescription drugs
  • Paramedical care (e.g.: chiropractor, physiotherapist, osteopath, etc.)
  • Medical supplies and devices (e.g.: crutches, hearing aids, etc.)
  • Eye examinations
  • Emergency during international travel

Dental care

Reimbursement of certain expenses incurred when visiting the dentist (e.g. cleaning, examinations, fillings, etc.)

Accidental death and dismemberment

An amount may be paid in case of death or dismemberment (e.g.: paraplegia, amputation, etc.) in the event of a serious accident

Employee assistance program

Additional service provided to employees and their families, which typically includes:

  • Consultation with psychological professionals
  • Consultation with legal professionals

Many group insurance plans include the following coverage: