Group Benefits & Savings

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Designed for teams of 3 to 10,000+ employees. Our flexible, customizable benefits solutions scale with your business - supporting your people while keeping costs aligned. We have independent contracts with many A+ carriers, and a trusted alliance with ICBA, our third-party administrator (TPA), to help augment service and offer customized solutions for all industries.

Coverage includes:

• Comprehensive prescription drug coverage 
• Life insurance
• Dependent life insurance 
• Accidental death and dismemberment
• Critical illness 
• Short term and long term disability 
• Supplemental health care 
• Medical equipment & services 
• Dental (preventative, restorative & orthodontics) 
• Paramedical services: physiotherapy, RMT, naturopathy, acupuncture 
• Mental health support (clinical counselling, psychology, social worker) 
• EFAP (Emergency Family Assistance Program)
• Vision care 
• Emergency travel medical

A cost-effective base or top-up plan that can be integrated with your existing carrier or managed through a flexible external platform (MYHSA). These CRA-compliant benefits let employers set an annual budget for eligible expenses. They are non-taxable to employees and tax-deductible for employers.

Health Spending Account:

Is a cost effective base plan or top-up plan that can be internally integrated with your carrier or outsourced on a flexible outside platform (MYHSA). These are CRA compliant benefits that allow employers to set an annual budget on eligible expenses. These are not taxable benefits and are tax deductible to the employer. Learn more about CRA Eligible Medical Expenses.

Wellness Spending Account:

Enhance your base benefits plan with a flat annual allowance through a Flexible Wellness Spending Account or Wellness Spending Account. Employees can use these taxable dollars on a wide range of wellness expenses - from gym memberships and fitness classes to ski passes, supplements, and other services not eligible under CRA health spending rules. It's a simple way to support overall well-being, increase engagement, and offer benefits employees will actually use.

Attracting and keeping top talent goes beyond salary. A competitive benefits offering - including group TFSAs and RRSPs - signals to your employees that you're invested in their long-term financial well-being.

Group RRSPs

Give employees an easy way to save for retirement through payroll deductions, with the option for employer-matching contributions in a low-fee environment. Contributions reduce employees' taxable income immediately, while employer-matching contributions are a tax-deductible business expense.

Group TFSAs 

Help augment your RRSP plan with a tax-free, no deduction but tax-free withdrawal savings plan. Employees can use their savings for any goal - including a home purchase, emergency fund, travel, or long-term investing.

Protect your business, partners, shareholders, and executives with insurance solutions designed to safeguard your organization, cover unexpected expenses, and replace lost income when it matters most.

• Buy-Sell funding - (Criss-Cross Life Insurance)
• Corporate Owned Life Insurance (CDA credit) 
• Immediate Financing Arrangements (IFAs)
• Key Person Insurance
• WLRP (Disability Wage-Loss Protection programs) 
• Critical Illness Insurance - Corporate-Shared Ownership/Return of Premium 
• Cost-Plus