Group Benefits

Group insurance is simply insurance coverage of multiple people who all work for one company. ( An organization of all employees) under a single contract. If you’re an employer looking at employee benefits for the first time, there is often some uncertainty as to what group insurance entails.  We will tailor-make a package that fits the specific needs of your group and find the best rates from all the insurance carriers.

Most group insurance plans include the following coverage:

Life insurance for employees or their dependents: in the event of the death of an employee or one of his/her dependents (spouse or child), a cash amount is paid to the beneficiaries.

Disability insurance (wage loss replacement): enables employees to receive part of their salary in the event of disability.

Health insurance (medical care): provides coverage supplemental to Government healthcare plans. Several expenses are reimbursed in full or 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 a stay abroad

Dental care: reimbursement in full or in part of certain expenses incurred when visiting the dentist, such as cleaning, examinations, fillings, etc.

Accidental death and dismemberment: in the event of a serious accident, an additional amount could be paid in case of death or dismemberment (e.g.: paraplegia, amputation, etc.).

Employee assistance program (EAP): additional service provided to employees and their families, which usually includes assistance for various problems: marital and family problems, depression, anxiety, alcohol, drugs, gambling, eating disorders, financial, legal, etc.