Wellness and benefits, built for your people.
We make it easy to offer meaningful coverage that meets today’s workforce expectations. With flexible solutions and hands-on guidance, we help your business stay competitive.
A strong benefits package helps attract and retain top talent. We work with you to create affordable, high-impact plans that show your employees they matter.
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Group Benefits
Comprehensive Coverage for a Healthy, Productive Team
Group Benefits are employer-sponsored insurance plans designed to help employees access essential healthcare services while reducing out-of-pocket costs. These plans typically include health and dental coverage, vision care, life insurance, and other valuable services that help employees stay well—both physically and financially.
Why Offer Group Benefits?
In today’s competitive job market, employees are looking beyond salary—they want security, peace of mind, and a workplace that values their wellbeing. A tailored benefits plan helps you retain top talent, reduce absenteeism, and foster a culture of care within your organization.
Included Services May Cover:
- Prescription drugs
- Dental care (cleanings, fillings, major procedures)
- Vision exams and eyewear
- Paramedical services (physiotherapy, chiropractic, massage)
- Mental health support
- Travel insurance
- Life and accidental death & dismemberment insurance
Flexible Plans for All Business Sizes
Whether you’re a startup or an established company, we help design plans that balance comprehensive coverage with cost-efficiency.
Health Spending Accounts (HSAs)
A Tax-Efficient, Flexible Healthcare Solution
A Health Spending Account (HSA) is a powerful tool that allows business owners and employers to reimburse employees for eligible medical expenses—tax-free. It’s not a traditional insurance plan, but rather a reimbursement model that complements or replaces insured benefits.
How HSAs Work:
Employers allocate a set dollar amount to each employee’s account annually. Employees then use those funds for eligible healthcare expenses such as:
- Dental work
- Prescription glasses
- Prescription medications
- Chiropractor or massage therapy
- Fertility treatments and more
Why Choose an HSA?
- Tax efficiency: Reimbursements are tax-free to employees and tax-deductible to employers
- Flexibility: Employees choose how to spend their healthcare dollars
- Cost control: Employers set the budget, with no premiums or surprises
Ideal For:
Incorporated professionals, consultants, and small business owners looking for an affordable way to support employee health without locking into traditional insurance plans.
Personal Spending Accounts (PSAs)
Support Wellness and Work-Life Balance with More Than Just Healthcare
Personal Spending Accounts (PSAs) allow employers to fund non-medical wellness and lifestyle expenses for their employees. Unlike HSAs, PSAs are taxable to the employee but offer an incredible range of support for physical, mental, and personal development.
What Can a PSA Cover
Employers allocate a set dollar amount to each employee’s account annually. Employees then use those funds for eligible healthcare expenses such as:
- Gym memberships & fitness equipment
- Nutrition counseling
- Mental health apps
- Transit passes
- Professional development courses
- Childcare expenses
- Meditation retreats and more
Why Employers Love PSAs
- Demonstrates commitment to employee wellbeing
- Boosts morale and satisfaction
- Customizable to your company culture and budget
Build a workplace that supports the whole person
Disability Insurance
Income Protection When Life Takes an Unexpected Turn
Disability insurance provides a source of income if an injury or illness prevents someone from working. It’s designed to protect your lifestyle, your savings, and your peace of mind during uncertain times.
How It Works:
After a qualifying period, the policyholder receives a monthly benefit that replaces a portion of their income (typically 60–85%) while they’re unable to work due to a medical condition.
Two Main Types:
- Short-Term Disability (STD): Covers absences lasting from a few weeks up to 6 months.
- Long-Term Disability (LTD): Kicks in after STD ends and can last for years or until retirement.
Who Should Consider It?
- Business owners and self-employed professionals with no employer coverage
- Anyone whose lifestyle relies on steady income
- Employers who want to offer a safety net for their team
You insure your car and home—why not your income?
Critical Illness Insurance
A Financial Lifeline in the Face of a Life-Changing Diagnosis
Critical Illness Insurance provides a lump-sum, tax-free payment if you’re diagnosed with a serious illness covered by the policy. It helps bridge the gap between what government health insurance covers and the real cost of recovery.
What’s Covered?
Policies typically include:
- Cancer
- Heart attack
- Stroke
- Multiple sclerosis
- Major organ failure
- Parkinson’s or Alzheimer’s disease
Why It Matters:
Recovery from a critical illness often involves expensive medication, travel for treatment, and time away from work. This benefit allows you to:
- Pay off debt
- Cover treatment not covered by provincial plans
- Travel for medical care
- Reduce financial stress during a difficult time
Peace of mind, when it matters most.
Group Retirement Services
Empower Your Employees to Plan for a Secure Future
Offering Group Retirement plans not only supports your employees’ financial wellbeing—it also makes your business stand out. These employer-sponsored plans allow team members to invest in their future with confidence, often at lower management fees and with added employer contributions.
Available Plans:
- Group RRSPs (Registered Retirement Savings Plans): Employee contributions can be matched by the employer.
- DPSPs (Deferred Profit Sharing Plans): Employer-only contributions, often tied to company profits.
- Defined Contribution Pension Plans: Employer and employee both contribute.
Why Offer Group Retirement?
- Attract and retain talent
- Help employees save more efficiently
- Boost financial literacy and wellbeing
Plan design, employee education, and compliance all handled—with expert care.