Employee Benefits Plans
In today's competitive job market, benefits are essential for attracting and retaining top talent. We design comprehensive packages that show your employees you value them while staying within your budget.
Invest in Your Team's Well-Being
What is employee benefits plans?
In today's competitive job market, benefits are essential for attracting and retaining top talent. We design comprehensive packages that show your employees you value them while staying within your budget.
Quick Reference
Is this right for you?
Small businesses (3-50 employees)
Competitive benefits are often the deciding factor for candidates choosing between job offers. Stand out as an employer of choice.
Growing companies
Employees with good benefits are more loyal and less likely to leave. Reduce costly turnover and maintain institutional knowledge.
Professional service firms
Health and dental premiums are tax-deductible business expenses. Provide more value to employees at a lower net cost.
Retail and hospitality businesses
Employees with benefits seek preventive care, catch health issues early, and miss fewer days of work.
Manufacturing companies
Explore this coverage option.
Non-profit organizations
Explore this coverage option.
How it works
Needs Assessment
We learn about your business, workforce demographics, budget, and goals for your benefits program.
Market Analysis
We obtain quotes from multiple insurers and design plan options that meet your objectives.
Plan Design
Work together to customize coverage levels, cost-sharing arrangements, and optional benefits.
Implementation
Handle enrollment, provide employee communications, and ensure smooth plan launch.
What to expect
What This Covers
- Extended health care coverage
- Dental and vision plans
- Life and AD&D insurance
- Short and long-term disability
- Employee assistance programs (EAP)
- Health spending accounts
- Wellness programs
- Dependent coverage options
×Common Exclusions
- ×Pre-existing conditions (waiting periods may apply)
- ×Material misrepresentation on application
- ×Conditions outside policy terms
Protecting Ontario families with thoughtful coverage since 1999.
How we compare
As an independent broker, Michael compares policies across multiple carriers to find the best coverage and pricing for your specific situation.
Working with an independent broker means seeing the full market — not just what one insurance company wants to sell you.
Frequently asked
Most insurers require a minimum of 3 employees, though some plans are available for just 2. We work with carriers offering small group solutions that are affordable and comprehensive.
Costs vary based on coverage levels and employee demographics, but typically range from $100-$300 per employee per month. Many employers share costs with employees through premium contributions.
Absolutely. We design flexible plans where you choose coverage levels for each benefit type. You can also offer multiple plan options and let employees choose what works best for them.
From initial consultation to employee enrollment typically takes 2-4 weeks. We handle the heavy lifting so you can focus on running your business.
Most plans allow departing employees to convert to individual coverage without medical underwriting. We ensure smooth transitions for both your business and the employee.
Let's discuss employee benefits plans.
Reach out for a private consultation — no obligation.