Group Health Benefits

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Group Health Benefits

group health insurance PK1

Group Insurance Plans in Canada​

Protect your most valuable resource! Your employees are the number one asset that keeps your business functioning effectively. With group benefits 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, vision care, prescription drugs, short term disability, employee assistance, and professional services including chiropractic, massage therapy, naturopathy, physiotherapy, and more.

What We Offer

Most group health benefits plans include a basic life insurance plan as well as accidental death and dismemberment. These benefits are often mandatory and may be supplemented by additional life insurance policies.

The basic health care covered under a group benefits plan will differ based on the needs of your employees. Various plans may include coverage for prescription medication, ambulance and hospital stay, vision health and professional services.

Most insurance plans offer some sort of dental coverage. We can work together to design a plan that includes basic dental care such as fillings, extractions, root canals, etc., or major work such as crowns and bridges.

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.

Short term disability may include income replacement or cost reimbursement for various expenses; it protects an employee’s lifestyle in the event of illness or injury that prevents them from performing the regular duties of their occupation.

Long term disability may include income replacement during an extended inability to perform regular duties; it may also include cost reimbursement for expenses accrued during treatment for a severe illness or injury.

Recovery from and treatment of critical illnesses can be physically and emotionally draining. Group plans including critical illness insurance offer solutions for anything from paying off debt and replacing lost income to accessing state-of-the-art medical treatments that would remain otherwise unavailable.

ASO, or administrative services only, is an option for employers to fund their own employee benefit plan while relinquishing responsibility for administrative duties. We apply the same principles and level of customer service to every client, regardless of the situation.

Group Benefits Plans for Small Businesses​

Our group insurance plans in Canada are perfectly suited for small businesses. Because we take advantage of a large block concept, meaning small businesses receive big business advantages and pricing, it just makes sense to switch to Perlinger Group Benefits for your group health insurance. We’re a small, family-owned company that is passionate about providing personalized and attentive assistance to our clients. We go above and beyond with our services to offer ongoing education to you and your team, day-to-day support, professional consulting services, and expert advice regarding financial management, claims analysis and more. We take the time to educate your employees to help them fully comprehend and appreciate your investment. We focus on teaching employees about their benefits, what’s included, how to file claims, how to choose healthcare providers, and how to manage benefit decisions. Our goal as your benefits provider is to allow you to focus 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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Perlinger’s Group Insurance Plans Have Everything You Need

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 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.