TotalGuard Employee Benefits Plan

Strength in numbers to protect your bottom line

Western Financial Group is an award-winning brokerage whose insurance experts recognize the importance of offering an employee benefits program to your most essential asset – your people.

The TotalGuard Advantage

Western Financial Group retains administrative control of TotalGuard and we offer best-in-class customer service, a user-friendly administration platform, and comprehensive analytical support.

TotalGuard saves you time and money, while giving your employees the coverage they require today and in the future as their needs change.

Coverage Options

EXTENDED HEALTH

Extended health coverage helps your employees pay for necessary medical expenses that may not be covered under their provincial health care plan.

DENTAL

Dental coverage can help cover the costs of dental work for your employees and their families. You can build your plan with a variety of coverage levels, from basic maintenance to major restorative services.

DRUG & PROFESSIONAL SERVICES

Helps cover costs of prescription drugs and professional services such as chiropractor, massage therapy and physiotherapy.

VISION

Provides employees with coverage for regular eye exams, eyeglasses or contact lenses, and laser eye surgery.

HEALTH CARE SPENDING ACCOUNTS

Health Care Spending Accounts provide your employee’s with coverage for health-related expenses not included in their plan, or to top up their group benefits.

What are the advantages of TotalGuard Employee Benefit Plans?

Pay-direct drug cards that cover prescription drugs and professional services electronically at the point of sale
Long-term rate stability is generated by spreading claims over the entire pool of TotalGuard participants.
Members will receive immediate savings off existing premiums for equivalent coverage.
Member organizations have program flexibility with many different coverage options to choose from.
Plan sponsors can conveniently perform many administrative functions online.
Each client will have a dedicated insurance advisor to assist them.
Virtual Health Care

Fast. Convenient. Paperless.

OUR ONLINE ADMINISTRATION SERVICE PROVIDES MEMBERS
24/7 ACCESS TO THEIR EMPLOYEE BENEFITS PLAN. MAKING IT EASIER TO:

Administration Forms

Business owners and designated plan administrators can access important information about their benefits coverage and manage the day-to-day administration of their benefits plan in their own time! It is like having a benefits software that comes for free with your TotalGuard plan. Please give us a call at 800-665-8990.