Are employee benefits taxable?

Some benefits, like life insurance and long-term disability coverage may be considered taxable. Others, like health and dental, are usually not.

Can I add my spouse or children to my benefits?

Yes, most plans allow you to add eligible dependents such as a spouse and children for extended coverage.

Are there limits to what is covered?

Yes, most plans have annual or per-visit limits for services like dental or paramedical care.

When do the benefits start?

Coverage usually begins after a short waiting period, often 30 to 90 days after your hiring date.

Business Insurance

Employee Benefit Insurance

An employee benefit plan is a group insurance program that helps cover health, dental, vision, and wellness expenses not paid by provincial healthcare, while also supporting financial and retirement goals.

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What's offered under Employee Benefits?

Drugs

Helps cover the cost of most prescription medications needed for your health and recovery.

Vision Care

Provides coverage for prescription glasses or contact lenses, and may include eye exams.

Hospital Expenses

Covers hospital-related costs not included under your provincial health plan, such as semi-private or private rooms.

Paramedical

Reimburses costs for services from licensed health professionals like chiropractors, physiotherapists, and massage therapists, based on your plan.

Medical Services and Equipment

Offers support for medically necessary items and services prescribed by your doctor, such as braces, crutches, or hearing aids.

Travel

Provides emergency medical coverage and related support when you’re traveling outside your home province or country.

Dental

Covers a wide range of dental procedures, from basic cleanings and exams to major work and orthodontics, depending on your plan.

Health and Wellness

Gives access to programs that support mental and physical well-being, including lifestyle coaching, mental health support, and fitness resources.

Optional Coverage

Frequently Asked Questions

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