Benefits plans for your team.
For small and mid-sized employers, group benefits are often the deciding factor for a candidate choosing between two job offers — and a meaningful part of retaining the team you already have.
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Insurance and health plans an employer arranges for its team, often including extended health, dental, life, disability and sometimes a health spending account. The employer chooses the plan and usually shares the cost.
Group coverage usually ends on or shortly after your last day. Some plans let you convert to a personal policy, often within a short deadline, so ask your plan administrator before you go.
When two plans cover the same expense, for example yours and your spouse's, they coordinate so the total paid doesn't exceed the cost. One plan is usually first, and the other covers part of what's left.
Many small businesses offer one to attract and keep staff, and some plans are built for very small teams. Whether it makes sense depends on your team, your budget and what you want to offer.
Group coverage is tied to the employer and the plan, with set options and limits for everyone. A personal policy is chosen and owned by you. People sometimes use both.
Pick your province or territory for a plain-language overview of how insurance works there.