Additional Benefits

Additional Benefits

group insurance plans

Your Healthcare in Your Hands​

If you or your employees require additional benefits and services, we can secure tailored solutions for unique situations. At Perlinger, we‘ve partnered with Canada’s best insurance providers to get you the best group benefits in the country. Whether you need flex plans to cater to your diverse team, key person insurance for indispensable employees, or employee assistance programs to improve your team’s work/life balance, our dedicated team of professionals can negotiate and develop plans that benefit your staff and fit your budget. At Perlinger, our commitment to excellence is second to none.

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. 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

Rate Stability

We don’t just save you money initially, we also ensure future rate stability with no surprises at the time of renewal.

Credibility & Protection

We ensure cost protection from unforeseen circumstances and claims. Prices are based on your claim experience.

Lower Costs

We put your money where it matters. Low administration costs mean more dollars towards paying claims.

Buying Power

We enhance buying power through lower costs and higher rate stability for pooled benefits.

Plan Design

We customize benefit plans to meet your needs so you’re not stuck paying for unnecessary services.

Higher NEMs

Higher non-evidence maximums equal less paperwork, hassle, and time and money wasted.

Higher Maximums

Get the proper coverage you need for all employees with higher benefits maximums and faster claims returns.

Wellness Solutions

Improve employee productivity and satisfaction with plans that include comprehensive health and wellness services.

Annual Plans

We review your plan on an annual basis as a proactive approach to your needs and a way to save you money.

The PGB Advantage

How We Save You Money

Rate Stability

We don’t just save you money initially, we also ensure future rate stability with no surprises at the time of renewal.

Credibility & Protection

We ensure cost protection from unforeseen circumstances and claims. Prices are based on your claim experience.

Lower Costs

We put your money where it matters. Low administration costs mean more dollars towards paying claims.

Buying Power

We enhance buying power through lower costs and higher rate stability for pooled benefits.

Plan Design

We customize benefit plans to meet your needs so you’re not stuck paying for unnecessary services.

Higher NEMs

Higher non-evidence maximums equal less paperwork, hassle, and time and money wasted.

Higher Maximums

Get the proper coverage you need for all employees with higher benefits maximums and faster claims returns.

Wellness Solutions

Improve employee productivity and satisfaction with plans that include comprehensive health and wellness services.

Annual Plans

We review your plan on an annual basis as a proactive approach to your needs and a way to 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.

Small Company
(Under 100 Employees)
HIGH
MARGIN
HIGH
COST

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%.

Large Group of Small Companies
LOW
MARGIN
LOW
COST

Testimonials

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Health Benefits For All

Regardless of your industry, you and your employees can benefit from a group insurance plan. 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 flex plans and key person insurance. Working with Canada’s best insurance carriers including, but not limited to, Equitable Life, Sun Life, Manulife, Desjardins, and Cooperators, we negotiate on your behalf for the best possible rates and service.