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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 coverage with $5,000 maximum
- 80% paramedical services with $300 per practioner maximum
- 80% supplies and services
- 100% semi-private hospital
- 100% ambulance
- 100% out of country with $5 million maximum
- 80% eye exams
ENHANCED
$55.89
Single
$117.38
Family
- 80% Drugs coverage with $10,000 maximum
- 80% paramedical services with $400 per practioner maximum
- 80% supplies and services
- 100% semi-private hospital
- 100% ambulance
- 100% out of country with $5 million maximum
- 80% vision care with $200 maximum/ 24 months
- 80% eye exams
PREMIUM
$78.02
Single
$163.84
Family
- 100% Drugs coverage with $25,000 maximum
- 100% paramedical services with $500 per practioner maximum
- 100% supplies and services
- 100% semi-private hospital
- 100% ambulance
- 100% out of country with $5 million maximum
- 100% vision care with $300 maximum/ 24 months
- 100% eye exams
ELITE
$79.58
Single
$167.12
Family
- 100% Drugs coverage with unlimited maximum
- 100% paramedical services with $500 per practioner maximum
- 100% supplies and services
- 100% semi-private hospital
- 100% ambulance
- 100% out of country with $5 million maximum
- 100% vision care with $300 maximum/ 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)
Dental Care
CORE
$36.22
Single
$90.54
Family
- 100% basic service
- 10 scaling units, 9 month recall
- 60% major services
- $2,500 calendar year maximum (combined basic and major)
ENHANCED
$39.39
Single
$98.47
Family
- 80% basic service
- 10 scaling units, 9 month recall
- 50% major services
- $1,500 calendar year maximum (combined basic and major)
PREMIUM
$53.36
Single
$133.40
Family
- 100% basic service
- 10 scaling units, 9 month recall
- 50% major services
- $2,000 calendar year maximum (combined basic and major)
ELITE
$56.68
Single
$141.69
Family
- 100% basic service
- 10 scaling units, 9 month recall
- 60% major services
- $2,500 calendar year maximum (combined basic and major)
- 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
Life Insurance and Accidental Death & Dismemberment
CORE
- $25,000 maximum
- $25,000 non evidence maximum
- Reduction of 50% at age 65 and another 50% at age 70
ENHANCED
- $50,000 maximum
- $50,000 non evidence maximum
- Reduction of 50% at age 65 and another 50% at age 70
PREMIUM
- $100,000 maximum
- $100,000 non evidence maximum
- Reduction of 50% at age 65 and another 50% at age 70
ELITE
- 1X Annual Earnings to a maximum of $150,000
- $150,000 non evidence maximum
- Reduction of 50% at age 65 and another 50% at age 70
* 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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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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