Income protection for your employees

Group disability insurance benefits help ensure your employees continue to have a source of income should they suffer a disability and are unable to work for certain periods of time. In our opinion, this is one of the most valuable components available to employees. For literally pennies on the dollar, they can protect their most valuable asset – their ability to earn an income.

  • Short and long-term disability coverage
  • Integration of benefits with government Employment Insurance plans
  • Provisions for retraining and rehabilitation
  • Return-to-work strategies
  • Disability management programs

We take great care to ensure that your disability plan works for you and your employees. Our goal is to help protect them against losses from injury or illness, while encouraging them to come back to work if possible by working with your carrier through effective claims management.


Payments are typically tax-free for this benefit.

Helping your employees through difficult times

By including group critical illness coverage in your benefits plan shows your employees you care, and helps you to retain the services of your best employees in the event they suffer a serious illness.

Group Critical Illness insurance supports your employees when they are faced with the high costs of a serious, long-term illnesses such as cancer, coronary artery bypass surgery or multiple sclerosis.

Group Critical Illness Insurance compliments the coverage available to employees through their group health, life and disability plans by providing covered individuals with access to a lump-sum benefit should they become critically ill following the diagnosis of one of the covered illness. The employee can use the benefit for anything they wish, such as:

  • Financial needs: income replacement, paying down debts or to help preserve personal savings, retirement funds or other investments
  • Health care costs: alternative treatment options, medical equipment or expenses not covered under provincial or group benefits plans.
  • Lifestyle choices: home repairs or renovations, vehicle upgrades, personal or family pursuits Payments are typically tax-free for this benefit.

Group Long Term Care Insurance Group Long Term Care Insurance helps pay for long term care services. Long term care takes many forms, from in-home nursing to full service facility care. For example:

  • Nursing care
  • Rehabilitation and therapy
  • Personal care (help with activities of daily living like dressing, eating and bathing)
  • Homemaking services (meal preparation, cleaning, laundry)
  • Supervision by another person


Let us assist in a review of the costs to add this as an option to your benefits program