Group benefits for business
Group benefits give your employees health, dental, life and disability coverage under one plan. Whether you’re setting up a first plan or your renewal just went up again, a licensed advisor can take it to market across Canada’s major carriers.
Covers
Extended health, dental, life, disability, and optional extras
Team size
Plans start at two or three employees; no plan is too small to compare
Paid by
Employer, employee, or shared; premiums are generally tax-deductible for the business
Renewal
Rates reset every year; that’s the moment to compare
A typical plan bundles extended health (prescriptions, paramedical, vision), dental, group life, and short- or long-term disability. You choose which pieces to include, how much the business pays, and whether to add things like a health spending account. Carriers price the whole bundle on your team’s size, age mix and claims history, which is why two quotes for the same plan design can be far apart.
Good to know
Most renewals arrive as a single number with little explanation. If yours went up, it’s worth having an advisor re-shop the same design before you accept it.
Owners who want to attract and keep good people, and are ready to offer benefits for the first time.
Same plan, higher price. An advisor can take the design to market and negotiate.
If employees don’t value it, you’re paying for the wrong design. It can be rebuilt around what they need.
Plan options and pricing vary by carrier, province and team. Your advisor will show you what each option includes.
Getting a quote takes about a minute, and a real person handles everything after that.
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A few questions about team size, your province and whether you have a plan today.
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A licensed group-benefits advisor in your province takes your plan, or a new design, to Canada’s major carriers.
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Compare the quotes with your current plan. If staying is the better deal, your advisor will say so. No fee, no obligation.
Bring these to your first conversation. A good advisor will answer every one in plain language.
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Most carriers write plans for teams of two or three or more. Even very small teams can be quoted, and some carriers have packages built for them.
A good transition keeps coverage continuous, with no gap and no new medical questions for existing employees. Your advisor manages the handover.
No. Many owners use the comparison to negotiate their existing renewal. If staying put is the better deal, your advisor will tell you.
Employer-paid premiums for group health and dental are generally a deductible business expense, and health and dental benefits are usually non-taxable to employees. Your accountant can confirm the details for your business.
No. PolicyBridge introduces you to an independently licensed group-benefits advisor who gives the advice and arranges coverage. The carrier you choose issues and administers the plan.
Answer a few questions and a licensed advisor in your province will shop it across the major carriers. Free, and no obligation.
PolicyBridge is not an insurance company or a broker. Coverage, definitions, eligibility and pricing are determined by each insurer’s underwriting and policy terms, and nothing on this page is advice, a quote or a guarantee of coverage.