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Group Health Insurance - Employee Benefits
Affordable health insurance, employee benefits, and tailored solutions for small business owners. Save time, reduce costs, and keep your team covered. Small businesses with as few as three employees (including the owner) can qualify for group insurance.
Extended Health Care
CORE
$48.77
Single
$102.42
Family
- 80% Drugs with $5,000 max.
- 80% paramedical with $300 per practioner max.
- 80% supplies and services
- 80% eye exams
ENHANCED
$55.89
Single
$117.38
Family
- 80% Drugs with $10,000 max.
- 80% paramedical with $400 per practioner max.
- 80% supplies and services
- 80% vision care with $200 max / 24 months
- 80% eye exams
PREMIUM
$78.02
Single
$163.84
Family
- 100% Drugs with $25,000 max.
- 100% paramedical with $500 per practioner max.
- 100% supplies and services
- 100% vision care with $300 max / 24 months
- 100% eye exams
ELITE
$79.58
Single
$167.12
Family
- 100% Drugs with unlimited max.
- 100% paramedical with $500 per practioner max.
- 100% supplies and services
- 100% vision care with $300 max / 24 months
- 100% eye exams
Choose from pre-built packages (3+ Employees under age 75) or get a customized employee benefits plan for your group. Prices are per month. Taxes are not included.
- • Paramedical practitioners include: Acupuncturist, Audiologist, Chiropractor, Chiropodsit/Podiatrist/Pedorthist, Massage Therapist, Naturopath, Osteopath, Physiotherapist/Athletic Therapist/Occupational Therapist, Psychologist / Social Worker / Family Counsellor / MindBeacon / Psychotherapist, Speech Therapist, Dietician
- • Chiropodsit/Podiatrist/Pedorthist carries a combined $500 maximum
- • Physiotherapist/Athletic Therapist/Occupational Therapist carries a combined $500 maximum
- • Psychologist / Social Worker / Family Counsellor / MindBeacon / Psychotherapist carries a combined $500 maximum
- • Eye exams: Once every 12 months (child), once every 24 months (adult)
- • All plans include 100% Hospital semi-private, 100% ambulnace, and 100% out of country coverage
Dental Care
CORE
$36.22
Single
$90.54
Family
- 80% basic service
- $1,000 calendar year max
ENHANCED
$39.39
Single
$98.47
Family
- 80% basic service
- 50% major services
- $1,500 combined calendar year max
PREMIUM
$53.36
Single
$133.40
Family
- 100% basic service
- 50% major services
- $2,000 combined calendar year max
ELITE
$56.68
Single
$141.69
Family
- 100% basic service
- 60% major services
- $2,500 combined calendar year max
- Basic services cover: Oral examinations, fillings, x-rays, scaling, polishing, fluoride treatment, root canals, laboratory examinations
- Major services cover: Crowns, Bridges, Dentures, Inlays and Onlays
- All plans include a 9 month recall period, and 10 units of scaling and root planing per calendar year
Life Insurance and Accidental Death & Dismemberment
CORE
- $25,000 max
- $25,000 non evidence max
ENHANCED
- $50,000 max
- $50,000 non evidence max
PREMIUM
- $100,000 max
- $100,000 non evidence max
ELITE
- 1X Annual Earnings to a max of $150,000
- $150,000 non evidence max
* Prices are per month. Taxes are not included. Please visit our website for more details on all requirement necessary
- • All employees are subject to a waiting period of 3 months of continuous employment
- • All employees must work a minimum of 20 hours each week. Eligible employees can be considered full-time or part-time provided they meet the minimum hours worked
- • 100% of eligible employees must participate in the plan
- • All plans include BAP (Business Assistance Program), professional human resources support up to 2 hours per issue, specialized business legal guidance up to 2 hours per calendar year, specialized business financial guidance up to 2 hours per calendar year, digital resources available.
- • Above prices do not include premiums for life/AD&D. Life and AD&D premiums will be added once employee demographics are determined.
Western Financial Group is an award-winning brokerage whose group health insurance experts recognize the importance of offering an employee benefits program to your most essential asset – your people.
Advantages for your Business
We promote two fundamental advantages by offering:
- Sustainable savings through the removal of excess cost layers
- Rate stability through a pooled approach, creating strength in numbers and limiting the rate impact of your employee’s claims
Customizable Coverage to fit your Needs
The main components of an employee benefits program include extended health care and dental care coverages such as:
- Professional services
- Prescription drug coverage
- Dental care
- Hospital, ambulance coverage
- Vision coverage
- Travel coverage
- Health-care spending accounts
- Virtual Health Care
Learn more about our TotalGuard Employee Benefits Plans
TotalGuard is an exclusive group health insurance solution offered by Western Financial Group with an average of 8% savings for qualified members. Western Financial Group maintains full administrative control of TotalGuard, providing industry-leading customer service, an easy-to-use benefits administration platform, and comprehensive reporting and analytics to help small and mid-sized businesses manage employee benefits efficiently.
Making group benefits easy
Pay-Direct Drug/Dental Card: Provides each employee with a pay-direct drug card that pays for prescription drug and professional services electronically at the point of sale.
If you run a business with at least three employees, call us and speak to one of our licensed insurance advisors about a group employee benefits plan.
Western Financial Group is uniquely positioned within the benefits industry and it has been helping Canadian businesses for over four decades.
Why Choose Western
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We shop across trusted providers to find you the best personal or commercial insurance coverage.
Serving Canadians Since 1905
Over a century of experience delivering trusted insurance solutions.
Fast, Personalized Advice From Experts
Our local insurance experts understand your specific needs.
Convenient Same-Day Service
Get covered fast with hassle-free, same-day insurance solutions.
Giving Back
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FAQ's About Health Insurance and Employee Benefits
What is Group Employee Benefits in Canada?
Employee benefits are non-wage compensation provided to employees in addition to their regular salary or wages.
Are employers required to provide employee benefits in Canada?
Only certain benefits are mandatory under federal or provincial employment standards.
Mandatory benefits include Canada Pension Plan (CPP) or Quebec Pension Plan (QPP) contributions, Employment Insurance (EI), workers’ compensation coverage, vacation pay, public
holidays, and job-protected leaves such as maternity and parental leave. Requirements vary slightly by province.
How does health insurance work in Canada if we already have public healthcare?
Public health covers basic medical services (e.g., doctor visits, hospital care).
Extended health and dental benefits are not legally required. However, many employers offer group benefits plans to attract and retain employees.
What is a group benefits plan?
A group benefits plan is an insurance package provided by an employer that covers multiple employees under a single contract.
Who is eligible for group benefits coverage?
Eligibility typically depends on:
- Full-time employment status
- Minimum weekly hours worked
- Completion of a probationary period (often 3 months)
- Employers define eligibility rules within insurer guidelines.
What does a typical group benefits plan include?
- Common coverage options include:
- Extended health care
- Dental insurance
- Vision care
- Life insurance
- Short-term and long-term disability
- Health Spending Accounts (HSA)
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