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Employee Benefits


National and local organizations
Tax effective and profitable plan designs
Canadian and international benefit plans
Industry leading Customer Service
Plan design review
Flexible benefit plan design
Cost Analysis and Market Survey
Industry Comparatives and Bench Marking
Executive top-up
Personnel policy design
HealthPlus - our Private Health Services Plan


Life Insurance

Employee and Dependent Life Coverage
Accidental Death/Dismemberment
Business Travel (24 hour coverage)
Critical Illness Programs: This plan provides a lump sum benefit payment to a plan member if diagnosed with a specified critical illness. In most cases the lump sum is paid 30 days after diagnosis. It helps the individual enhance their treatment options and cope with any unforeseen expenses that stem from a critical illness.

Special Risk

Special group coverage for affiliated members engaged in certain activities or events
Coverage for employees traveling to war zones or unstable political climates
Top-up Individual coverage

Income Replacement

Short Term
Long Term Disability
Coordinated and managed disability programs
Executive top-up and carve-out

Group Healthcare and Dental Care

HealthPlus - our Private Health Services Plan

Insured Plan Designs

Cost Containment Programs
Administrative Services Only (ASO) Contracts
Retention / Refund Accounting Arrangements
Flexible Benefit Plans
Healthcare Spending Accounts
Managed Drug Plans
OHIP (provincial health) insurance replacement: For Foreign Workers or Employees on Assignment in Canada.

Employee Assistance Programs (EAP)

Programs aimed at providing employee wellness to lower absenteeism and improve productivity. These programs provide 24 hour confidential access to counselors for a range of issues including:

stress management
psychological care
marital counseling
parental/child care
legal advice
medical advice
smoking cessation

These programs, when properly implemented and promoted, have proven effectiveness in improving employee moral and well-being. This translates to improved productivity and an improved bottom-line.

Corporate Retirement and Investment Services

Pension Plans

Group Registered Retirement Savings Plans (RRSP)
Deferred Profit Sharing Plans (DPSP)
Individual Pension Plans

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1050 Morrison Dr., 3rd Floor
Ottawa, Ontario
K2H 8K7

Toll-free: 1-800-267-1964
(or 613-226-1964)
Fax: (613) 226-8402