A company group benefit plan shares the financial risk of health related expenses among the group of employees, under one contract, who pay into a fund or pool.
When a employer has a Group Benefits Plan in place for their employees, any member of the group who becomes ill or requires services is financially compensated by the plan according to the terms laid out in the contract between the employer and the insurance company.
A competitive benefits program is key to attracting talented employees and promoting a healthy work place. Empire Life sets itself apart by offering well-priced, easy-to-understand employee benefits that are uniquely designed for Canadian small and medium-sized businesses.
BeneFit's intelligent design helps make complex choices easier. It's got everything you need in an attractive benefits package to help employees protect their physical, mental, and financial wellbeing - without breaking the budget.

Benefit
Intended for businesses with 2-19 employees, BeneFit's smart, simplified plan options and easy administration add up to hassle-free, cost-effective protection.

How Benefit works
BeneFit contains core and optional benefits. You create the plan that's right for your business by choosing optional benefits, setting maximums etc. Application, administration, and renewal processes are fast and easy, so you can spend more time managing your business - not your benefits.

Key features and benefits
* An attractive set of well-priced benefit products to choose from
* A simple and straightforward application process
* Rapid set up and a comprehensive set of employee reference materials
* Simple renewal process
* Dental ASO option that gives you the potential to save costs, by self-insuring the dental plan
* Easy administration
* Friendly, personal support through our Customer Service Unit

Manulife Financial’s disability protection roll has five products. Their Proguard Program is geared toward professionals. This is their flagship insurance, and includes many built-in features. The plan has elimination periods from 30 days to 2 years. Benefit periods range from 2 years, 5 years and to age 65. The insured’s benefit can range from $200 to $24,500 a month.
Manulife Group Benefits: More than 16,000 Canadian businesses have entrusted their employee benefit programs to Manulife Group Benefits. We provide a broad range of benefits plans that demonstrates our flexibility in providing the solution that best suits plan sponsors’ needs. From simple yet comprehensive plans that are perfect for small but growing companies, to customized plans for some of Canada’s largest firms, we can deliver a benefits package that gives employers of any size a competitive advantage. Working together with other lines of business in the Canadian Division, Group Benefits also offers access to a range of business, banking, and individual insurance and wealth management services to help plan sponsors achieve their other professional and personal goals.
Group Benefits offers plans to complement and supplement provincial health plans, It is one of the country’s top providers of coverage for businesses of all sizes, from two employees to Canada’s largest employers. Group Benefits provides a broad range of products and services, including health and dental care, emergency travel assistance, absence management, short and long-term disability, group critical illness, out-of-country benefits, life insurance and accidental death and dismemberment coverage. In 2009, Group Benefits launched Personal Benefits, providing portable coverage for Life and Critical Illness that's billed directly to plan members.our group health plan.

Health and Dental Insurance
Protect yourself and your family against the ongoing and unexpected cost of healthcare expenses. Manulife Financial offers a variety of flexible health and dental plans that are sure to meet all of your needs.
If you are one of the millions of Canadians not fully covered by a group health plan, you are vulnerable to healthcare expenses not covered by your Government Health Insurance Plan. Flexcare supplemental health insurance plan from Manulife Financial offers you a unique combination of health and dental benefits that provide you and your family with comprehensive coverage you simply shouldn’t do without. Whether your focus is prescription drug coverage, dental services, or a combination of both, Flexcare offers a plan that will meet your needs and those of your family.
When leaving a group health plan it’s wise to consider purchasing your own healthcare insurance. The health and dental plan offers solid, yet affordable coverage and will help ensure that you and your family can maintain many of the benefits you enjoyed under your group health plan.
Health, you can put an end to your worries about losing your group health benefits and enjoy solid protection against ongoing and unexpected healthcare expenses.

Sun Life Financial Inc. is an international financial services company known primarily as a life insurance company. Based in Toronto, Canada, Sun Life and its partners provide insurance, retirement and investment solutions for individuals and businesses around the world including Canada, the United States, the United Kingdom, Hong Kong, the Philippines, Japan, Indonesia, India, China and Bermuda. Sun Life ranks number 236 on the Forbes Global 2000 list for 2010.

Group benefits products & services
The real benefit is peace of mind. Sun Life Financial believes in the rewards of employee health. So, we make it easy for you to invest in your health and well-being at your workplace – it’s one more step towards achieving lifetime financial security.
We provide health benefits coverage to more than three million Canadian employees and their families – that’s 1 in 6 Canadians.
In addition to offering a diverse range of products, we strive to provide industry-leading service innovations that heighten employees’ engagement with their plans, and enhance their benefits experience. Explore our products and services and contact us to find out how we can partner to help you invest in the health of your employees.

Health Care package features:
* Hospital care: semi-private hospital room in the plan member's province
* Prescription drugs: medication prescribed by a doctor
* Medical services and equipment: private duty nursing, ambulances, crutches, hearing aids, etc.
* Paramedical services: chiropractors, naturopaths, podiatrists, etc.
* Medi-Passport: out-of-province emergency travel assistance
* Vision care: eyeglasses and contact lenses

The Canadian Association of Blue Cross Plans represents the independent Blue Cross member plans operating in regions across the country. For more information about the plans and services available in your area, select your province above.
For more than 70 years the Blue Cross name in Canada has stood for affordable, quality supplementary individual health and travel insurance coverage, as well as group benefits and group life insurance, delivered with trustworthy and personalized service.
We make it easy for you! Our group plans will help you attract and retain the best employees for your business. Your employees will enjoy health coverage relevant to their needs. You will be reassured knowing they are protected by the world's most recognized and trusted name in health insurance.
The Canadian Association of Blue Cross Plans represents the seven independent Blue Cross member plans operating in regions across the country. For information about the plans and services available in your area, select your province.

Blue Cross Products
Whether you're an employer looking for a benefits plan to offer your employees, self-employed, between jobs or retired, there is a perfect health care package of benefits available through the Blue Cross in your area. With the constant changes in provincial health care plans, affordable protection against unexpected medical expenses is important to everyone.
Group life and health plans are a specialty of Blue Cross. A plan can be tailored to meet the specific needs of your company and workforce. Blue Cross is proud to be the marketplace leaders in benefit design and delivery, offering coverage to employer groups ranging from small local businesses to national companies. Blue Cross also has a long history of managing health programs for provincial, territorial and federal governments.

Industrial Alliance provides personalized service meeting the highest quality standards to companies of all sizes in all sectors of activity through its full range of group insurance products and services.
We rely on our business partnership with market intermediaries as well as on the use of new technologies to administer your contract efficiently.
At Industrial Alliance, small and large businesses will find group insurance plans that are perfectly adapted to their needs.

Benefits and Products
* We monitor market trends closely in order to offer companies benefits and products that are adapted to new realities.
* We monitor market trends closely in order to offer companies benefits and products that are adapted to new realities.
* Various basic and additional life insurance coverages are offered to members and their dependents.
* We offer a range of coverage providing for the reimbursement of health care expenses, such as the cost of prescription drugs, dental care and home care.
* We provide full coverage and emergency medical assistance so that you can travel worry free.
* The health spending account provides for the reimbursement of medical and dental care expenses that you would normally have had to pay.

Disability Insurance and Disability Management Program
Our short- and long-term coverage guarantees a regular income in the event of a disability. The services of specialists are also available to promote the recovery of members and their return to work.

Health & Wellness Companion
Confidential online services available for plan members to help them manage their health and that of their family.