Group insurance

Protect your employees’ financial future.

Most Canadian employers have a group insurance plan. Group insurance helps secure the financial futures of employees and their families in addition to facilitating access to health care.

A group insurance plan presents many advantages. Part of it is normally covered by the employer, which maximizes after-tax compensation in addition to helping attract and retain the best people.

Employees, in turn, obtain basic coverage at a much lower cost and without having to provide proof of insurability. Critical illness coverage, for example, costs significantly less in a group plan than it would for an individual. By the same token, prescription drug coverage is more generous than the provincial (RAMQ) program, particularly since individual prescription drug insurance cannot be obtained in Québec.

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Group insurance coverage generally includes the following:

• Life insurance for employees and their dependents
• Disability insurance (wage loss replacement)
• Health insurance (complementary to government plans)
  • Prescription drugs
  • Paramedical care
  • Medical supplies and devices
  • Eye exams
  • Emergencies during travel abroad
• Dental care
• Employee assistance programs (marital/family problems, depression, dependency, etc.)