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Employee group benefits for small & family businesses


If you are a business owner (employer), by implementing a group insurance plan for your employees you can:

Provide financial protection for your employees and their families;

Get a tax-deductible business expense;

Provide a tax-effective form of compensation to your employees,

Address the special needs of some employees with coverage available without any medical questionnaires to complete;

Attract the best employees – employee benefits can give small business owners a competitive edge;

Reduce employee turnover – employee benefits can help business owners retain good people;

 Protect the business - ensuring the business is in a position to continue is critically important should the unexpected happen to the owner or a key employee.


Nobody plans to get sick, but that doesn’t stop it from happening.

Act now to protect you, your people, and your business!


Get your group insurance quotes from the Canada's major group insurance providers and select the plan, which is best suited to your group needs and your budget (Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Prince Edward Island, Saskatchewan).


Choose from the following options:

Traditional Employee Group Benefits

Pre-selected Group Benefits Plans

Group Benefits Based on Personal Health & Dental Plans




Traditional Employee Group Benefits

This is the option to get a group benefit plan tailored specifically for your business. You have a flexibility to select benefits and create your own plan or you and your employees. Some conditions apply.


It is easy to start your group benefits program: click the button below and submit your request for quotation.



Insurance premiums for this plan depend on:

  the benefits selected by you and plan design (benefit limits, deductibles, etc.) ;

  your group content (number of employees, age, occupation, single/family coverage, etc.);

  nature of your business;

  location (province of residence);

  your group claim experience in the previous year(s) (if any) and other factors.

Plan design and group content are the major factors affecting the pricing of group insurance benefits. All information above is necessary to calculated group insurance rates for your business.


Group Health insurance plans may include:

Life insurance

Extended health benefits

Prescription drugs

Travel insurance

Dental care

Disability insurance

Critical illness


Small and Family Businesses employed 2 people and more can apply for this plan. A group may include business owners, full-time employees and part-time employees working more than 20 hours per week on a permanent basis. Group insurance plans for contractors and seasonal workers are possible, some conditions apply.


Each business is unique and we will help to set up the plan type and plan design tailored for your needs and budget offering different  options to choose from.


Group insurance quotes from various insurance companies may be requested for the plan selected by you, so that you can compare the rates and choose the best solution. Insurance providers: Manulife Financial, Empire Life, Desjardins Financial Security, RBC Insurance, Ontario Blue Cross, and other insurance providers as required for specific client needs.

We will also help you with Plan implementation  and Renewals & renewal rate analysis.


To start your group benefits program, please send us your request for quotation or call at 416-493-0101 (1-877-443-0101) for more information and appointment (office, over the phone or Skype).




Pre-selected Group Benefit Plans  for Small Businesses

You can also choose a pre-selected benefit package for small businesses.

Insurance premiums for these plans do not depend on your group claim experience. These plans are renewable every year and monthly premiums may change depending on the claim experience of all businesses participating in the plan.

Below please find an option available for your business:

GMS Group Advantage Benefit Plans (3 - 10 employees)

It is a simple and affordable solution from Group Medical Services: Health and Dental plans are specifically tailored for small businesses with 3 - 10 employees. Simply choose the options that best suit your needs and calculate your monthly premium - no need to wait for a quote. Ask about the addition of life and disability insurance.

  Health Benefits Summary

  Dental Benefits Summary (optional benefit)

  Monthly Rates

Premium Calculation

Group Advantage Benefit Plans Brochure



 Group Benefits Based on Personal Health & Dental Plans

Your business can purchase a bundle of personal health & dental insurance policies for each employee.

If you're self-employed or are an employee of your own business, health and dental premiums may be a non-taxable benefit and a tax-deductible expense.


Manulife Personal Health & Dental Plans (1+ employees)

Manulife offers a variety of health and dental plans including guaranteed issue plans, which do not require medical questionnaire.   The plans include health, prescription drugs, dental, vision benefits. It is a good and affordable solution, if you just start your business. No sales tax apply.

For example, you can consider the following guaranteed issue Health &Dental plans:

  Flexcare ComboPlus Starter Plan:   Plan Summary

  Association Base and Bronze Plans :   Plan Summary 

Other options are also available.

Please call for consultation and to get a quote.


  Ontario Blue Cross SME Plans

If you have 3 or more employees, you can purchase  personal (individual or family) health& dental coverage for each employee, no medical underwriting required. No sales tax apply.

Please call 1-877-443-0101 for more information.



Taxation of Traditional Group Insurance Premiums & Benefits

There is a number of rules that apply to the taxation of Group Insurance benefits.


Retail sales taxes (RST) apply to all premiums for employee benefits in Ontario (8%) and Quebec (9%). In Manitoba, RST (7%) applieы to life, AD&D, disability, critical illness premiums.


The employer may deduct the group insurance premium payments against business income as long as the premium payments are a reasonable business expense.


Employer-paid premiums for group life insurance, dependant life insurance, accident insurance and critical illness insurance are taxable benefits for the employees. Any premium paid by the employer in a tax year must be added to the employee’s income on their T4.


Premiums paid by the employer for Extended Health and Dental insurance are tax-free to the employee (except in Quebec). The employee contributions (if any) are eligible for the medical expense tax credit.


Employer-paid short-term disability (STD) or long-term disability (LTD) premiums are not taxable benefits. However, when the employer pays any portion of premiums for STD or LTD coverage, any benefits the employee may collect in future will be taxable.


Taxation  of Benefits:

Life insurance and AD&D : Benefit is not taxable when received.

Extended health benefits: Benefits are  not taxable when received by the plan member .

Dental care: Benefit is  not taxable when received by the plan member .

Disability insurance:

If the employer makes any contribution to the disability insurance premiums, the  employee will pay income tax on the disability benefit received. If the employee pays a 100% premium for disability insurance, benefit is not taxable when received.

Critical illness : Benefit is non-taxable when received.


NOTE: The information above provides a brief on some of the taxation rules for group insurance plans. For detailed tax information, please consult with your business accountant.


For more information, consultation, please call at  416-493-0101, 1-877-443-0101  or Ask Your Question Online

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Revised: March 04, 2021