Group Insurance In Ontario Canada

Group insurance

No matter the size of your business, it’s always a good idea to consider offering your employee’s group insurance. When it comes to offering group insurance, the agent plays a huge role.

Based on Canada’s universal health care system, which allows a lot of Canadians to imagine ALL health care should be and is indeed free, a lot of employees expect that when they use their group insurance plans, they can basically get whatever they want for they and their family and not worry about paying for anything.

The Insurance agent’s job is to bring your employees down to earth as to what they should expect when they opt to use their group health insurance plans.

I’ll work to build a partnership with you so that we can choose the plan and coverage that is right for you.

Medical and Paramedical Care

Typically, the following is in high demand for your employees when they think about their group insurance plans.

• Prescription drugs
• Hospitalization fees
• Ambulance fees
• Medical care
• Paramedical care (chiropractor, massage therapist, psychologist, osteopath, etc.)
• Emergency expenses outside the province of residence

Life Insurance and Accidental Death and Dismemberment Insurance

On the employee wish list, you should also consider offering the following Life Insurance and Accidental Death and Dismemberment Insurance

• Member’s Life Insurance
  Member’s life insurance guarantees that the sum insured will be paid to the designated beneficiaries in case of the member’s death. It is offered in a choice of fixed amounts or annual salary multiples.
• Dependent’s Life Insurance
  Dependents’ life insurance provides coverage against the death of the member’s spouse and dependent children. Upon the untimely death of a dependent, the member will receive the sum insured under the contract.
• Accidental Death and Dismemberment Insurance
  In case of accidental death, you want a group plan that has an option that allows the insured life insurance sum to double. If the member suffers the accidental loss of one or more limbs, the maximum benefit is equal to a percentage of the life insurance coverage.
• Express Life Claims Process
  Your employees expect immediate assistance during periods they deem an emergency; that’s why it’s the insurance agent’s job to make sure he finds a group insurer that can accelerate the claims process when the insured amount is $75,000 or less.

Short- and Long-term Disability Insurance

As an employer, you may want to consider key person life insurance for your most valued employees; by that, I mean the employees who, if they left your company, could ruin your business entirely. But you’ll also want all of your employees to be aware of short- and long-term disability insurance. So features of our top tier group insurers carriers include

•  Short-Term Disability Insurance (generally 17, 26 or 52 weeks)
  This coverage guarantees a regular income to a member in case of an accident or illness resulting in a prolonged absence from work.
• Long-Term Disability Insurance
  In the event that the disability extends past the coverage duration of short-term disability insurance, this coverage guarantees a regular income to the disabled plan member until the age of 65.
• Disability Management Program
  This program completes the short and long-term disability insurance. This program involves the participation of the employer and healthcare professionals to promote the employee’s sound recovery and return to work.

Vision and Dental Care

Most of your employees will be aware of Dental care coverage from their group insurance, this provides partial reimbursement of dental fees incurred by the member or the member’s family for preventative care, basic care, major care and orthodontic care.

Vision care coverage provides reimbursement of eye examinations as well as a portion of the cost of glasses or contact lenses for the member and the member’s family. You’ll definitely want to have an insurance agent who can explain the process to your employees, so they have realistic expectations.

Contact Romone for GROUP INSURANCE Coverage and plans

When it comes to developing a plan, I offer you a personalized approach. You, your team and I will work together so that, we can choose the plan and coverage that is right for you.

Call or text Romone for more information

Contact Romone: (416) 705-0892

You can also use the contact form for more information.