FLEXIBILITY
DIRECT PAY PRESCRIPTION DRUG CARDS
GUARANTEED TAX SAVINGS
BUSINESS OVERHEAD COVERAGE
CLAIMS POOLING
A COMPLETE RANGE OF BENEFITS

FLEXIBILITY
No longer do employers have a take it or leave it choice to make. They can select from among our various group insurance providers and plan designs and choose the benefit solution that best fits their individual needs, even if you are by yourself or have only one or two employees.

DIRECT PAY PRESCRIPTION DRUG CARDS
Which save you money on postage and administration while at the same time, eliminating all the hassles associated with prescription drug claims. In addition, business owners can better insulate themselves from the rising price of prescription drugs by using our "Managed Health Care" options.

GUARANTEED TAX SAVINGS
Are created because these benefits are, for all Business Owners, tax deductible to your business and tax free in the hands of you and your employees.
When does $1.25 = 45 cents?
With Employment Insurance, Canada Pension Plan, and Provincial WSIB premiums, it can cost you almost $1.25 to give an employee $1.00 in pay. That employee in turn pays Income tax, EI, and CPP and could end up with as little as 45 cents to take home.
With a group benefit program $1.00 = $1.00
Which would you prefer?

BUSINESS OVERHEAD COVERAGE
Can actually cost just pennies a day and pays your overhead expenses if you can no longer work because of a sickness or accident.
Even if you already have other disability coverage, you may end up with nothing after paying the expenses necessary to remain in business for just a short period of time.
The Business Overhead Coverage will pay you up to $2,000/mth in business overhead expenses for up to an 18 month period. This benefit is payable in addition to whatever disability benefits you receive because of lost income.

CLAIMS POOLING
Many business owner’s discover too late that their group benefit program does not work quite the way they thought it would. One catastrophic claim can cause premiums to skyrocket or the cancellation of coverage outright. This can really happen and, in most cases, it is completely out of the business owner’s control. The smaller your business and the fewer your employees the more exposed you are to this possibility.
If you belong to our program, this cannot happen to you!!!
All our groups are put into the same pool and all firms are treated in the same fair manner. You can actually become a small ripple in a big pond and any adverse claims experience within your firm will have little effect on the entire group.
Isn’t this the way you thought these things were supposed to work in the first place?

A COMPLETE RANGE OF BENEFITS…
A complete range of benefits and options for businesses with as few as 1 employee.
• Business Overhead Expense Disability
• Dental Coverages
• Prescription Drugs
• Extended Health Care – Including Semi-Private Hospital, Private Duty Nursing, Major Medical, Paramedical Services, Ambulances, and Out-Of-Country Medical
• Group RRSPs
• Short Term Disability
• Long Term Disability
• Life insurance and Accidental Death and Dismemberment
• Critical Illness

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