Additional Benefits
Your Healthcare in Your Hands
Protect your most valuable resource! Your employees are the number one asset that keeps your business functioning effectively. With group insurance plans for employees for your small business, you can help to ensure the good health of your staff as well as attract new employees. At Perlinger, we‘ve partnered with Canada’s best insurance providers to get you the best group insurance plans available. We can work with you to provide a quality plan that’s best for your team and your budget. As part of our consulting services and financial management, we’ll meet with you on an ongoing basis to address any notable changes to your plan requirements and business objectives. Our custom plan design allows you to select coverage for the services your employees need most such as dental coverage for employees, vision care, prescription drugs, short term disability, employee assistance, and professional services including chiropractic, massage therapy, naturopathy, physiotherapy, and more. We also help clients expand their coverage through tailored employee benefits solutions that go beyond standard offerings.
What We Offer
Flex Plans allow employees to select their desired benefits from a list of available options. Modular flex plans are the ideal solution for employers who want to offer greater flexibility to staff while remaining on a budget. Flex plan options may include health spending accounts, wellness accounts, or even RRSP contribution.
Cover your key employees with key person insurance, available through Perlinger. Key person insurance covers life, and accidental death and dismemberment of the people your business couldn’t survive without and is especially crucial for small businesses. With you, the owner, as the beneficiary, key person insurance can help to ensure your business won’t fail should anything happen to your most valuable employees.
The demands of creditors can place significant strain on new, small businesses. Business loan protection or overhead insurance can help a business negotiate loans and repay business debts with tax-free life insurance proceeds when a business owner or another key executive dies.
Buy/Sell funding is an essential aspect of planning for business succession by ensuring the proper finances are in place to fund the purchase and sale of a business in the event a shareholder or partner dies.
An EAP is a private, employer-funded program to help certain employees with achieving and maintaining a proper and healthy work/life balance. Assistance is available 24/7 and is especially effective for relieving stress and assisting individuals to overcome challenges that may be impacting job performance or mental, physical, and emotional health and wellbeing.
Virtual healthcare allows patients to have an online video conference with healthcare providers. For individuals that prioritize fast-paced convenience, virtual healthcare facilitates remote access to doctors and specialists from almost anywhere. Virtual healthcare can be used for meetings and consultations with physicians at a distance or check-ins and status reports for individuals with limited mobility.
Your executive employees work hard for your business, and they deserve the best when it comes to a benefits plan. At Perlinger, we offer flexible executive benefits to help key employees better manage and maintain their health. Reduce health-related absences and attract the best talent with an executive benefits program.
Wellness spending accounts incentivize staff members, promote healthy lifestyles, and improve employee vitality. As taxable spending accounts, they are also extremely flexible. Common wellness items include gym memberships, fitness equipment, travel expenses, music lessons and more.
The Power of Perlinger
Our administrative and consulting services are in place to assist our clients in benefits education, vendor assessment, claims analysis, and proactive risk management. We take the time to educate your employees, allowing them to fully comprehend and appreciate the investment you have made. During our in-person onboarding with your team, we’ll discuss what’s included, how to file claims, how to choose healthcare providers, and how to manage future benefit decisions. Depending on your structure, this may include health spending account coverage for added flexibility. Our goal as your benefits provider is to allow you to focus entirely on your business instead of your group benefits plan.
The PGB Advantage
How We Save You Money
Large Block Concept
WITHOUT
Perlinger Group Benefits’ Large Block
A smaller group of employees (under 150) usually means higher margins for the Insurance Carrier and higher costs for the company. When it comes to small businesses, insurance carriers price accordingly and you could end up paying much more for insurance.
WITH
Perlinger Group Benefits’ Large Block
Within the Large Block concept, each company is seen as a part of a large group and priced as a Very Large Company, resulting in greater savings. The Insurance Carrier takes a smaller margin and the annual savings are usually between 15% and 25%.
Testimonials
Health Benefits For All
Regardless of your industry, you and your employees can benefit from a group insurance plan in Canada. Through our ongoing research, auditing, surveying, and evaluating, we limit financial risk, secure competitive pricing, and ensure plan validity. In addition to direct billing and simplified claims resolution, we also offer health care spending accounts and group retirement savings plans. Working with Canada’s best insurance carriers including, but not limited to, Equitable Life, Sun Life, Manulife, Desjardins, and The Cooperators, we negotiate on your behalf for the best possible rates and service.