Employee Group Benefits

How important is a group program as a benefit to employment? Very. In a recent survey, 80% of employees said they’d rather have benefits than an extra week of holiday. 

Benefits programs are good for employers as well. Here’s why. Good plans attract and keep productive staff, reduce training costs, improve service, and reduce absenteeism.  In some provinces, a health and dental plan can even be better than a pay raise because it’s not taxable to the employee. And, employer contributions are deductible as a business expense and do not require CPP, EI, and tax contributions.

Today, you have greater flexibility in plan creation than ever before! Traditional plans offer a defined array of coverages as determined by the employer. Flexible plans allow members to select the coverage within specified limits. Health care spending accounts simply allocate a fixed sum that plan members may use as they require.  Consult with one of our Benefits Specialists to determine what type of plan and coverage works best for you coverage needs and budget.

• Prescription drugs and medicines
• Semi-private or private hospital accommodation
• Special nursing services
• Ambulance services
• Hospital and medical expenses incurred outside Canada
• Artificial limbs, prostheses, and medical appliances
• Wheel chairs and other durable equipment
• Specified medical or paramedical services that fall outside government plans (e.g. services from chiropractors, physiotherapists, podiatrists, osteopaths, and optometrists)
• Vision care

• Basic preventative and maintenance services such as regular check-ups or examinations, cleaning, fillings, extractions, and x-rays
• Root canals, periodontal cleanings and scaling
• Some plans include major restorative work such as inlays , crowns, bridgework, and dentures as well as orthodontic treatments

• Disability insurance
• Life insurance

For more information or a no-obligation consultation, simply email us at insurance@pottruffsmith.com or call 416.798.8001 or 1.888.768.8001 and speak with: