Group Benefits Insurance

It benefits your employees to get coverage at a reduced cost compared to most personal plans. Help reduce financial stress if something happens to protect your employee’s and their family’s health. It helps improve morale, increases productivity, and gives a competitive edge in the job market. It can be less expensive than providing salary increases as there are no additional increases in CPP, EI or Workers’ Compensation rate.

Base benefits often include prescription drugs, dental care, disability programs, life, critical illness and accident insurance. Specialty benefits can be added to the policy: a healthcare spending account, benefits for retired employees, emergency medical coverage, and travel assistance.

Our Brokerage has access to 20+ insurance providers and can help design and deliver affordable and professional business individualized benefits for you and your staff. With Harvard Western, you benefit from having a non-commission Group Benefits dedicated advisor with a support team of 65+ years of collective experience. 

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Maps

Critical Illness coverage provides a monetary payment if you get knocked off your feet by cancer, stroke, heart attack, etc. In addition to the possibility of a leave of absence from your job, a critical illness can sometimes leave you with recovery costs. When you set up your policy, you choose the amount of coverage you want, as not everyone’s recovery costs and expenses are the same.

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Disability coverage replaces some of your income if you can’t work because of an injury or illness. The idea behind it is to help you keep your standard of living the same until you can return to work. This monetary benefit will continue until the benefit period ends or you return to work.

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