Group Products
Group Products

Group Insurance Health Benefit Plans, Corporate Insurance Planning & Private Pension Plans

We offer Group Insurance Health Benefit Plans - including cost containment, Corporate Insurance Planning - including keyman insurance and partnership buy-sell insurance and Private Pension Plan creation and administration.

Learn more about:

If you are looking at implementing a Group Benefits Program, simply complete our online Group Benefits Plan Selection or download the necessary forms (available on the right hand side under Document Downloads) and e-mail them to our Group Benefits representative.

Areas of Expertise:

  • Cost Containment.
  • Communications including booklets, brochures, slide presentations, annual benefit statements, etc.
  • Executive compensation arrangements.
  • Group Insurance benefits of all types, including flexible compensation plans.
  • Labour negotiations relative to benefits and compensation.
  • Pension and retirement plans, including, profit sharing and Group RRSP's.
  • Self-insured benefits including ASO contracts.
  • Social welfare benefits such as: C/QPP, UT, OHIP, WCB, CSST.
  • Special risks and accident plans of all types

The Edge Benefits Inc

Offering a unique Disability Insurance Program for the trucking industry

Guaranteed non-medical Injury only Disability insurance available for all occupation classes

Manulife "FollowMe" Health and Dental Plan – A Group Coverage Alternative.

The FollowMe Health plan is specially designed for those whose group health coverage has recently or will soon come to an end. FollowMe Health allows you to continue enjoying health and dental benefits without completion of a medical questionnaire, so there's no need to worry about interruption of coverage for you or your loved ones.

With four different levels of coverage to choose from, you're certain to find the FollowMe Health plan that meets your needs. Consider FollowMe Health:

  • If you have recently lost or will soon lose your group health coverage.
  • If you appreciate the coverage your group health plan provided, and would like to purchase an individual health insurance plan without completing a medical questionnaire; and,
  • If you will apply for FollowMe Health coverage within 60 days of your group health coverage end date.

Unlike group plans that change from employer to employer, the FollowMe Health plan is an individual insurance plan. Though perhaps slightly different from the benefits of your former group plan, FollowMe Health offers four distinct levels of coverage from which to choose. So you select the plan and benefits that suit you, your family, your budget. And, once your application is approved, the FollowMe Health plan you select remains yours', regardless of any future changes in employment, your age or retirement -- as long as your premiums are paid. That's certain to give you added peace-of-mind.

Click here for more information

Highlights of Group Insurance Benefits

Basic Life Insurance

Payable in a lump sum to your named beneficiary in the event of your death from any cause. It is:

  • Term insurance with no cash value
  • Insures employee and/or dependent
  • Proceeds are non-taxable to the beneficiary
  • Portable - can be converted to an individual policy in most instances when coverage under the group plan terminates

Accidental Death and Dismemberment

Payable only in the event of death or dismemberment resulting from an accident (works like double indemnity). It is:

  • Term insurance with no cash value
  • Insures employee and/or dependent
  • Usually is the same amount as Basic Life Insurance
  • Proceeds are non-taxable
  • Benefit payable is a percentage of the coverage depending on the nature of the dismemberment or paralysis.

Extended Health Care

Contributes towards the cost of medical expenses not covered by your Provincial Medical Plan

  • Most plans have some up-front deductibles that need to be paid before the plan will reimburse covered expenses.
  • Premiums paid can be used towards your medical expense tax credit under your income tax; reimbursement is not taxable income
  • Most common expenses covered include:
    • drugs
    • hospital
    • paramedical practitioners (chiropractor, physiotherapist, etc.)
    • private duty nursing
    • ambulance
    • artificial limbs, medical equipment and supplies
    • vision care
    • out of country coverage

Dental

Contributes towards the cost of dental expenses

  • Most plans have some up-front deductibles that need to be paid before the plan will reimburse covered expenses and there are annual and/or lifetime maximums for reimbursement
  • Premiums paid can be used towards your medical expense tax credit under your income tax; reimbursement is not taxable income
  • Most common expenses covered include:
    • Basic Services (examinations, fillings, cleaning and scaling, root canal therapy and gum tissue treatment)
    • Major Services (including crowns, bridges and dentures)

Weekly Indemnity and Long Term Disability

Provides financial protection for you by paying a portion of your income while you are disabled. The amount you receive is based on the amount you earned before your disability began. Benefits commence from the first day of the accident or the eighth day of sickness and continues payable to age 65.

Critical Illness Coverage

Mandatory Plan:

  • Coverage is available to all Employees or by Class of employee.

Optional Plan:

  • Coverage is available to all employees, their spouses and children.
  • Minimum participation requirement - 10 lives regardless of group size.
  • Optional employee and spousal plans are available on a Guaranteed Issue basis, based on the size of the group:
Group of less than 100 lives: Up to $10,000
Groups of 100 - 249 lives: Up to $15,000
Groups of 250 - 499 lives: Up to $20,000
Groups of more than 500 lives: Up to $25,000

In addition, employees and their spouses can choose additional Critical Illness coverage - up to a combined maximum of $100,000 - by completing a short form medical questionnaire.

  • Additional optional coverage is subject to a first occurrence limitation but not a pre-existing condition limitation.
  • Critical Illness is also available to non employer groups, such as associations or unions.

Coverage Options:

  • Clients have the option of offering either a standard or enhanced level of coverage. Covered conditions under each level are outlined below
Standard Plan Covered Conditions
  • Heart Attack
  • Cancer
  • Stroke
  • Kidney Failure
  • Coronary Artery Surgery
  • Blindness
  • Paralysis
  • Major Organ Transplant
  • Multiple Sclerosis
Enhanced Plan Covered Conditions
  • Heart Attack
  • Cancer
  • Stroke
  • Kidney Failure
  • Coronary Artery Surgery
  • Blindness
  • Paralysis
  • Multiple Sclerosis
  • Alzheimer's Disease
  • Major Organ Transplant
  • Amyotrophic Lateral Sclerosis
  • Coma
  • Deafness
  • Parkinson's Disease
  • Severe Burns

Group RRSP

Those employees fortunate enough to participate in an employer group RRSP plan are even further ahead than those who provide for their future retirement needs by contributions to an individual RRSP. A Group RRSP Plan is an employer - sponsored savings program, approved by the Canada Customs and Revenue Agency that permits tax deferred savings for retirement purposes. Contributions to a RRSP are tax deductible and earnings on contributions are sheltered from taxes until they are withdrawn.

Group RRSP Basics

In a group RRSP, an employer arranges for employees to make contributions, as they wish, through a schedule of regular payroll deductions. The employee can decide the size of contribution per year and the employer will deduct an amount accordingly and submit it to the investment manager selected to administer the group account. The contribution is then deposited into the employee's individual account and invested as specified.

Instant Tax Savings

The big difference with a group plan is that the contributor realizes the tax savings immediately, instead of having to wait until the end of the tax year. With an individual RRSP contribution, the tax break comes as a refund after taxes are filed the following year. This means of course, the government gets to enjoy an interest free loan of the contributor's money. On the other hand, Group RRSP contributions are made on a pre-tax basis, so the amount of tax withheld by the employer is calculated after the group RRSP contribution is deducted from taxable income. Result - an instant tax saving to the employee.

Cost Plus

Cost Plus is a mechanism that can provide for payment of any health and/or dental treatments that are not covered at all - or that fall outside OHIP - or your existing Group Plan. Typically, these would be applicable for claims or benefits, which are either not covered at all or claim amounts that are higher than the existing group plan provides for under the conditions of the insured plan. The concept is straightforward.

The company or your employer pays for the claim in much the same way they pay premium, but...

  • You pay for the benefit only when you use it, unlike monthly premium payments.
  • The employer is able to write off/ deduct the claim (and related expenses) as an employee cost ... in exactly the same way they deduct the premium.
  • The employee receives the benefit from the company as a non-taxable benefit. If the employer were to simply pay the bill on the employee's behalf or reimburse the employee after paying it, that amount would be taxable in the employee's hands and added to their T4.

Cost Plus can be used:

  • To replace some conventionally insured group plans for small business or
  • To top-up health and/or dental benefits, for a specific employee class (see below), where limitations have been put in place on the insured plan to control the unit rates on that plan.

Cost Plus is Ideal:

  • Where high claims experience for a definable employee class, (i.e. Executives or Management) negatively affects the rating on the balance of the plan. If those high claims are included in the regular insured group plan, then the overall Loss Ratio will be forced higher, meaning the rating for that benefit - for all employees, will be higher.
  • f the corporate intention is to make sure the claims for a defined class are paid but still control pricing of the insured group plan, then any amount over an established limit can still be paid - for that class - by Cost Plus.

There is no charge to set up a Cost Plus account. There are no on-going charges or administration costs unless the account is used.

Cost Plus Coverage and Conditions:

  • Laser Eye Surgery
  • Fertilization Treatments
  • Smoking Cessation
  • Orthodontic Treatment
  • Medical Treatment for Obesity/Eating Disorders
  • Chiropractic (in excess of Provincial Health Care)
  • Vision Care/Eyeglasses
  • Prescription Drugs (that are not covered under a regular Group Plan)
  • Diabetic Supplies and Insulin
  • Health and Dental Plan Deductibles
  • Health and Dental benefits not covered by a Traditional Group Insurance Plan

Exclusive Group Benefits Program

Link Insurance is pleased to announce an "exclusive" program for group benefits. This program guarantee all premium rates for the next four year period.

What are the highlights?

  • 4 year rate guarantee (max 0-5% increase at 3rd year)
  • Maintain all of your current benefits or improve plan design if desired
  • Up to 15% reduction on your current group insurance premium
  • AAA rated insurance provider
Contact Us
Contact a Link Insurance representative to learn more about your options.
  • Cost Containment.
  • Communications including booklets, brochures, slide presentations, annual benefit statements, etc.
  • Executive compensation arrangements.
  • Group Insurance benefits of all types, including flexible compensation plans.
Group Benefit VIP Program
Link Is pleased to introduce our new partnership with IDA pharmacies. A Link VIP customer will be entitled to exclusive benefits through IDA pharmacies.
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