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Attract and Retain Talented Employees with Group Benefits

Having a dedicated team is integral to success, making employees one of your most important business investments. Offering a comprehensive employee group benefits package can help you attract and retain top talent in Canada’s competitive hiring environment.

No matter the size of your company, Rogers Insurance can design, implement and manage a group benefits plan to help keep your employees healthy and productive.

What are Employee Group Benefits?

An employee group benefits plan helps your staff cover expenses that are not covered by Canadian provincial healthcare plans. This often includes:

  • Group Prescription Drug Health Plans
  • Group Dental Insurance Plans
  • Group Life Insurance
  • Group Critical Illness Insurance
  • Group Disability Insurance

Employee group benefits can also include retirement or saving plans that support your staff in achieving their retirement and financial goals.

An employee group benefits plan is considered part of your business’s total compensation package.

Areas We Serve

  • Calgary
  • Red Deer
  • Fort McMurray

Creating an Employee Group Benefits Plan for Your Business

Designing an employee group benefits package is a flexible process. You’ll choose from numerous options to create a plan that caters to your employees’ collective needs while also aligning with the size and budget of your company.

For example, your employee group benefits package may include any of the following:

Basic coverage:
  • Prescription drugs
  • Vision (i.e., exams, eyeglasses, contacts)
  • Basic dental services
  • Paramedical services (i.e., chiropractic, massage, physiotherapy)
Extended coverage:
  • Specialty treatments and services (i.e., invitro fertilization)
  • Major dental services and orthodontics
  • Higher limits for paramedical services
Insurance coverage:
  • Life and accident
  • Short- and long-term disability
  • Critical illness
  • Travel
Group savings:
  • Registered Retirement Savings Program (RRSP)
  • Tax Free Saving Account (TFSA)
  • Deferred Profit-Sharing Program (DPSP)

Group Prescription Drug Plans

Prescription drugs are often not covered by provincial healthcare or may only be partially covered. Prescription drug plans are very attractive to prospective and current employees, as this type of insurance can help them significantly financially.

There are many different options for prescription drug plans, scalable to your company’s size and budget.

Our expert group benefit brokers can provide you with a variety of cost-containment solutions on your group prescription drug plan, such as:

  • determining your co-payment level (i.e., 70 per cent, 80 per cent, 100 per cent);
  • limiting coverage to generic brands;
  • encouraging three-month prescriptions to limit dispensing fees;
  • using a drug formulary (a list of covered medications);
  • placing limits on specialty drugs and more.

Group Dental Insurance

Dental care contributes to good overall health, but it is often not covered by provincial healthcare. Even routine dental care can be very expensive, making a group dental insurance plan a very desirable benefit for employees in Canada.

What does dental insurance cover?

Group dental insurance is broken down into three categories:

  • Basic coverage, such regular care and cleaning, exams, radiographs, X-rays and tests.
  • Major coverage, such as crowns, dentures and bridgework.
  • Orthodontic coverage, such as ortho-exams, braces and retainers.

Your business can choose the coverages you’d like to include in your group dental insurance package as well as the amount of coverage you’ll provide employees (typically either a percentage of the procedure costs or set maximum dollar amount per year).

Group Health Insurance

A group health insurance plan is a cost-effective way for employees to get extended health insurance coverage. This can extend provincial healthcare benefits or include coverage for things not normally provided by provincial healthcare in Canada.

This can include professional services such as:

  • massage therapy
  • physiotherapy
  • psychologists
  • chiropractors
  • speech therapists
  • naturopaths
  • osteopaths
  • emergency medical transportation (i.e., ambulance)
  • hospital stays
  • private-duty nursing

Again, your business can choose which services to include in your group health insurance plan, as well as the coverage limits.

Group Life Insurance

This type of coverage provides your employees with life insurance. In the unfortunate event that they should unexpectedly pass away, the employee’s designated beneficiary will receive a sum of money. This can help employees protect their dependents and reduce financial struggles due to the loss of income. Discover the benefits of group life insurance.

Group Critical Illness Insurance

Critical illness insurance can help reduce the financial burden when someone is diagnosed with a serious illness such as a heart attack, cancer, organ failure or blindness (exactly which conditions are covered will be outlined in the policy). The insured will receive a sum that can help cover debts, lost income, medical expenses and more. Learn more about group critical illness insurance.

Group Disability Insurance

If an employee is disabled and unable to work due to an unexpected illness or accident, disability insurance can help replace a percentage of their income. This may apply to temporary and permanent disability situations. Read about additional group disability insurance options.

Group Savings Program

Supporting your employees with their financial goals is a key factor in keeping your staff engaged. An employer-sponsored savings program can help your employees reach their financial goals, no matter if that includes paying off student debt, saving for a down payment on a house or saving for retirement.

Rogers Insurance can work with your business to create a group savings program, for which options include Registered Retirement Savings Programs (RRSP), Tax Free Savings Accounts (TFSA) or Deferred Profit-Sharing Programs (DPSP).

How Group Benefits Help Grow Your Business

The success of your business relies on talented and productive people. Employee group benefits supports your business growth by:

  • Attracting top talent: HR surveys consistently show group benefits are a major factor for individuals considering a job offer.
  • Improving operational efficiency: Providing affordable and accessible group benefits can help you maintain a healthy and productive workforce.
  • Creating tax savings: In most cases, employee group benefits are tax-deductible for your business, although there are some exceptions (such as group life insurance).
  • Saving time: Having Rogers Insurance design, implement and maintain your group benefits plan will save your HR team valuable time and resources.

Rogers Insurance: A Leader in Employee Group Benefits

As specialists in the employee group benefits industry, Rogers Insurance brings a tremendous amount of experience to the creation, implementation and ongoing management of group benefits plans.

We work with all organizations, from small local businesses to large and complex companies that have operations across Canada.

You can depend on our dedicated group benefits team to:

  • Design your plan.
  • Negotiate competitive rates.
  • Manage new and existing plans.
  • Implement and manage your group benefits program.
  • Educate your employees to ensure they understand your plan.
  • Assist with day-to-day claim issues and provide administrative advice.
  • Conduct annual renewal reviews and negotiations.
  • Assist your business with various cost containment strategies.

Contact us today and discover how we can create a customized group benefits plan that works for your employees and your business.

Rogers Insurance will develop the best group benefits and life insurance plan to meet the needs of your business and employees.

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