Core Protection & Financial Security:

Essential coverage designed to protect employees and their families during life’s unexpected moments.

• Group Life & Dependent Insurance: Basic financial protection in flat amounts or multiples of salary, with optional coverage enhancements.

• Accidental Death & Dismemberment (AD&D): Additional coverage for accidents, including family support, rehabilitation, and education benefits.

• Critical Illness Insurance: Lump-sum financial support upon diagnosis of serious illnesses to help employees focus on recovery.

Income Protection (Disability Management):

Keep your team financially safe if an illness or injury prevents them from working.

• Short-Term Disability (STD): Weekly income replacement for temporary, non-work-related disabilities.

• Long-Term Disability (LTD): Extended monthly financial support supplementing government programs for long-term recovery.

Health, Dental & Virtual Care:

Comprehensive health coverage that keeps your workforce healthy and productive.

• Extended Health Care (EHC): Prescription drug coverage, paramedical services (chiropractic, physiotherapy, massage, mental health), and out-of-province emergency travel assistance.

• Dental Care Options: Flexible plans covering routine cleanings, fillings, root canals, and major restorative procedures or orthodontics.

• Virtual Care & EAP: 24/7 access to health professionals, mental health counseling, and confidential life/legal/financial support services.

Flexible Spending & Custom Perks:

Modern benefit options designed to give employees choice while giving employers predictable cost control.

• Health Spending Account (HSA): Tax-effective funds allocated to employees for out-of-pocket health and dental expenses.

• Personal Spending Account (PSA): Wellness accounts supporting fitness, lifestyle, and mental well-being goals.

• Cost Plus Benefit Coverage: Tailored medical/dental expense tax-effective reimbursement solutions for key management or owners.