Employee Group Benefits

 The employee benefits program for businesses with two-19 full time employees who work at least 25 hours per week and 45 weeks per year. For those groups, two employee classes may be created (subject to underwriting guidelines).

Small businesses with two to nine employees and businesses with 10-19 employees, where the employer pays 100% of the premium, must have 100% employee participlation.

Businesses with 10-19 employees where the employer pays less than 100% of the premium, must have a minimum of 75% employee participation.

Employees may waive extended health care  and/or dental care benefits if they are covered under a spousal benefit program. The number of waivers is limited to one waiver per employee group participating in extended health care and/or dental care benefits.

Our employee benefits program is designed to meet the unique needs of Canada's small businesses by offering:

• Excellent benefits at an affordable price
• An easily understood and administered program
• Fast and fair claim services
• Pre-authorized debit service available for premium payment
• Our toll free Group Benefits Customer Service

By using our program, small business owners can gain:

• A competitive edge in the job market
• A cost-effective method of providing employees with coverage for medical bills
  - protecting employees and their families
• A tax deduction for small businesses