Group Health Benefits
Group Insurance Plans in Canada
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
The PGB Advantage
How We Save You Money
Rate Stability
Credibility & Protection
Lower Costs
Buying Power
Plan Design
Higher NEMs
Higher Maximums
Wellness Solutions
Annual Plans
The PGB Advantage
How We Save You Money
Rate Stability
Credibility & Protection
Lower Costs
Buying Power
Plan Design
Higher NEMs
Higher Maximums
Wellness Solutions
Annual Plans
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
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.
