Employee health and dental
Teams may access drug, dental, vision, and paramedical coverage through a shared plan instead of individual policies.
Insurance
Group Benefits
Benefits that support your team and your business
Group benefits are employer- or association-sponsored plans that may offer health, dental, life, and disability coverage to eligible members under a master contract. This is separate from business-owned protection such as key person or buy-sell coverage.
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Educational information only — not personalized advice. No approval or payout is guaranteed.
Why people consider it
What it can help with
Life and disability for staff
Group life and disability may provide baseline protection, often with evidence limits for higher amounts.
Recruitment and retention
Benefits are a common part of compensation packages, especially when competing for talent in tight labour markets.
Small business questions
Even smaller employers may explore group options, though minimum group sizes and pricing differ by carrier.
The basics
How it works
1
Outline plan goals
You define employee benefit goals and decide whether separate business protection topics (such as key person or continuity planning) should also be reviewed.
2
Carrier quote and setup
An insurer or advisor presents plan options. The employer chooses design features and eligibility classes in the contract.
3
Employees enroll
Eligible staff receive certificates explaining coverage, waiting periods, and how to make claims. Terms follow the master policy.
Before you decide
Key things to understand
What is usually included
Plans often bundle extended health, dental, life, AD&D, and short- or long-term disability — but each employer’s contract is different.
Cost drivers
Premiums reflect claims experience, demographics, benefit levels, and industry. Renewals can change rates year to year.
Eligibility and tiers
Full-time, part-time, and management classes may have different benefits. Waiting periods for new hires are common.
When someone leaves
Coverage typically ends on the date of termination unless a conversion or continuation option applies under the policy.
Business protection is separate
Key person, buy-sell, and business continuity planning are usually handled with business-owned coverage, while group benefits focus on employee protection.
Common questions
Frequently asked questions
Some insurers offer plans for smaller groups, though minimum participation and premium rules apply. Options vary by province and carrier — nothing is guaranteed until quoted.
This page is for general educational information only. Coverage, definitions, exclusions, waiting periods, and claims depend on the policy and insurer. No approval or payout is guaranteed. Plan design, pricing, and participation rules depend on the insurer, employer, and contract — not on SEENCO alone. This page is not legal or tax advice.
Ready to understand your options?
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