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. Our pooled structure reduces the chance of annual rate hikes from high claiming years by spreading the risk to everyone, making forecasting for the future easier than ever.
An average of 8% savings for qualified members.
Canada’s most stable employee benefits rates over a 5-year period.
We have hundreds of plan options to choose from, so you can create a plan that fits your budget perfectly.
IMMEDIATE SAVINGS | UNMATCHED LONG-TERM RATE STABILITY | EXCEPTIONAL FLEXIBILITY
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
Greenshield is our trusted partner.
We cover any medication that has a DIN number.
We take care of the process for you and provide your employees with pre-filled enrollment forms.
- No. By being protected in our fully pooled program, your staff’s individual claims are no longer affecting your rates.
- Groups can budget for 6%-8% for each renewal, which is only to keep up with inflation for extended healthcare and dental services in Canada.
- We deal directly with you as the insurance provider and remove the residual commissions the broker takes.
- Large corporations deal directly with the insurance provider while smaller businesses are required to use the services of a broker if they want to have a benefit program.
- We’re offering the same great advantages that these large corporations have in bringing this model to many groups across Canada, who deserve the same cost-efficient way of doing group benefits.
- Brokers don’t have access to our program. Typically, rates in the open market are assessed annually based on your employees’ claims, meaning higher usage could result in significant rate increases. Our program mitigates this by pooling your health and dental plans with over 2,100 other businesses across Canada. This strategy helps provide long-term rate stability and savings moving forward.
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.
- Enrolling New Hires
- Edit and Update Information Instantly
- Enrolling and Terminating Dependents
- Employee Salary Changes
- Terminating Employees
- Access Invoices
Need to Make a Claim?
Convenient access to your employee benefits through GreenShield Canada online portal.
Send completed claims forms directly to GreenShield Canada by email.
Why choose Western?
We will get you the group health benefit solution that fits your business. Simple, fast, and affordable solutions.
Get an online quote, text, email, or phone call.
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