Employee Benefits | Designed to help you Save & Retain Top Talent

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Employee Benefits with Coverage for your

Employee Benefits Strategy designed to help you save money and retain top talent!

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Finding Great Employees is hard... Keeping them can be even harder!

An Employee Benefits Package can attract and retain the team you need!

Employee Benefits Plans have been our primary focus for as long as we've been in business. This means is we're dedicated to getting you the plan that best suits the needs of your employees and your business. Not only will we shop around between the carriers we work with, but we'll also make sure your plan works for you in a way that will save money and ensure your employees are happy with the ease of submitting claims.

Employee Benefits help you hire and retain the best members of your team

Here's how yourEmployee Benefits Plan Should Work 

Determine what your Business needs

Figuring out what your Business needs most is absolutely necessary to determine the best Employee Benefits Strategy for your Business. We go through a strategic Needs Analysis to determine exactly which plan and which provider works best for your Businesses needs, and budget.

Design an Employee Benefits Strategy

Once we've determined what you're looking for, we choose from a panel of insurance companies. We're a broker after all, we don't have preference to any company. Each business is different and deserves coverage from the company that can serve it best. We work with several insurance companies to ensure that your Business is getting the coverage it needs.

Begin Implementation

Whether you're starting out fresh or changing your Benefits Provider, it's important you work with an agency that reflects the values of building relationships on all levels of your Business. We're here working with you to ensure successful implementation of your new Benefits package. We'll be there every step of the way to help you and your employees.

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Let's take a look

Components of your Employee Benefits Plan

Your Employee Benefits Insurance Plan has multiple components. For the most part this includes coverage for Health and Dental expenses, but depending on the plan you choose for your team, there can be so much more.

Health and Prescriptions

Prescription Drug Coverage - Whether your employees have regular monthly prescriptions or the occasional requirements from time to time, you can be sure they won't have to worry about these costly needs. You can help them with up to 100% of the cost or just make sure they aren't completely out of pocket by covering your desired percentage of co-insurance.
Health Specialist Coverage - Therapists are expensive and in most cases necessary. Whether your employees need an adjustment or they have a family member who needs counselling, be sure they can get the therapy they need to keep them focused on their task at hand.
Travel Insurance - Anything can happen at anytime. We hope our vacations and business trips go well and without consequence, but none of us can see the future. Make sure your team is covered with up to $5,000,000 in emergency medical coverage when they run into trouble outside of the province.
Vision Care - Not everyone needs it, but those who do know how expensive it can be. No matter the specific needs of each person, they all will eventually need to get an eye exam. Vison care covers for eye exams, as well as lenses and frames for each member of the family.

Dental Expense Coverage

Basic Dental Coverage - Make sure you have the bases covered. Regular check-ups and cleanings are covered under the basic coverage portion of any dental plan along with X-Rays, fillings and many other basic services from your preferred dentist.
Major Restorative Coverage - Covers dental work which goes above and beyond basic dental work. Includes things like crowns, bridges, implants, extractions and surgery.
Orthodontic Services - Braces are expensive. Your employees who have young children will appreciate having good orthodontic coverage to help with these expenses which can often exceed $7000 over the course of the service.

Life Insurance and AD&D

Life Insurance - Whether it's a small amount or a large amount, your employees will be thankful to have extra coverage to help their family in the event of a loss. Guaranteed coverage and low premiums are just a few of the benefits to your team when you add a Life Insurance policy to the Group Benefits plan.
Accidental Death and Dismemberment (AD&D) - For a very small premium, add extra coverage to the Life Insurance policy which covers loss of limbs, sight and hearing as well as a loss of life from an accident.
Extra Life Insurance - Whether the Life Insurance on the Group Plan is included or not, it pays for each member to own their own policy. We strongly encourage everyone to make sure they have the coverage they need whether it's through a group plan or personally owned. We're here to offer advice to each of your members at any time.

Critical Illness and Disability Coverage

Short Term Disability (STD) - Short term coverage for your team to make sure they can pay their bills while recovering from injuries or accidents. An indemnity can be paid as per the regular pay schedule of the employee, whether weekly, bi-weekly or monthly.
Disability Coverage - Make sure your team can recover from an illness or an injury without having to worry about paying their bills. Including disability coverage in your Group Benefits can save your team thousands of dollars in the event of a sickness or injury.
Long Term Disability (LTD) - In the event of an illness or injury which takes an employee away for work for an extended period of time, Long Term Disability insurance will help them get by. Show your team that you have their best interests in mind by including a comprehensive Disability policy in place. A monthly indemnity can be paid on such claims for the sake of long term income protection.
Critical Illness - A one-time Lump sum payment would be helpful to anyone at anytime. Imagine suddenly having the money to pay for a procedure that isn't covered under regular health insurance. You could even have enough to cover your regular expenses and pay off debts while you make arrangements. Recovering from a critical illness takes time and focus. Trying to figure out how to handle your expenses shouldn't interfere with that.

Health Spending Account

Whether you're using your Health Spending Account as a stand alone product to cover all medical expenses for your team or you choose to add it to your Group Benefits Plan to make it more robust, you'll find it's well worth the small investment.
Tax Benefits - A good HSA allows businesses to reimburse medical and dental expenses to their employees and business owners. Expenses reimbursed through a HSA are a tax free benefit to the employee as well as tax deductible to the business.
Premium Control - Eliminate the concern for rising premiums and take control of the cost of your benefits. There is no monthly fees associated with the HSA. Payments are only made when claims are submitted.
Enhanced Coverage - Along with the regular health and dental claim you normally submit with a Group plan, there are some services and products which would not be covered on a traditional plan. This includes many products, procedures and services received from a medical professional in the United States as well.

Retirement Savings Plans for your Team

Retirement Planning - Help your team plan for retirement by adding investment options to the compensation package.
Registered Retirement Savings Plan (RRSP) - Contributing to an RRSP regularly helps to build wealth for retirement and allows some deferral of income tax. Help your team start saving for their retirement now!
Pension Plan - Set up a company pension plan to add to the retirement fund growth of your valued employees. Our partnering fund management team is one of the best in Canada and our members see average returns of 10%-20% each year on their investments.
Tax Free Savings Account (TFSA) - Make sure your team is familiar with one of the best ways to build a retirement plan. A Tax-Free Savings account allows them to invest their savings and build wealth tax free each year.
Meet the Team

Here's What our Valued Clients Have to Say About Our Insurance Policies

Jon handled the setup of our employee benefits and made sure all was done to our liking (which wasn't easy!!). He did it all with grace and incredible customer service and has since been here for us when we need to make changes to our current plan. We are so thankful for him and can't recommend him enough for your personal and business needs!

Garrett Thienes

Restaurant Owner/Head Chef
Cannot say enough good things about Jonathan!! Answered all my questions, very accommodating to my schedule and found the best rates for my insurance needs. Highly recommended. Rochelle

Rochelle Duzan

I approached Jon about some underperforming financial portfolios I had and expressed I would like to turn them around. He went above and beyond in the research of both my current files and found some better options for me. Jon took the time to explain and answer my questions and proceeded to guide me through the complicated process of moving and changing my portfolios. With his attention to detail and knowledge of the options available I am on my way to a better financial future. Thank you.

Anne Marie Fitzgerald

Excellent guy to work with! Definitely personable and knows the ins and outs about the entire industry! Always looking for a better rate on everything you come to him with and great with all of our employees!

Matthew Gourley

Business Owner/Digital Marketing Expert
Jonathan takes care of so many of our insurance needs, life, disability, and the list goes on. He listens to what our needs are and finds the policy that actually suits our needs. He is patient and works his schedule around our hectic lives. I would and have recommended Bolton Insurance 100 times over.

Meg Davis

Jon’s honest straight forward approach was greatly appreciated. I was given all the information and allowed time to make the decision that was the best fit for my family.

Stella Sehn

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Employee Benefits to help Retain Key Staff
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Your most commonly asked questions about Employee Benefits

Years in the field have given us the tools to find you the Business Group Benefits Solution for your Business. If you don't find an answer to the question below - give us a call! We're more than happy to help! 

It really depends on the needs of the business and its employees. Since small businesses can range anywhere from 1 employee to dozens of employees. The type of benefit plan best suited for a small business is one that suits the needs of the employees without creating budgetary issues for the company. 

A simple Health Spending Account could be the answer for a group of people who don’t have many health expenditures. Meanwhile a larger group might have people with families who require a little more, so have a complete health & dental package might be a better option.

In any case, we can help you find the right plan for your business.

Different Components of the group benefit plan are taxed in different ways. The only portion of the group plan that is completely tax-free is the health & dental coverage. Extended Health Care, Vision Care, Dental care and Health Spending Accounts are not a taxable benefit when the premium is paid by the employer.

Life Insurance, Accidental Death & Dismemberment and Critical Illness are a taxable benefit and the premiums paid by the employer are added to the employees T4.

As for Disability, the premiums are tax free if paid by the employer, but if this is done, any claims paid to the employee are taxable as income. On the other hand, if the employee pays the premium as a deduction on their payroll, the premium is a taxed as income. However, in the event of a claim by the employee, the claim payments are not taxable as income.

No. There is no legal requirement for a company to provide a group benefit plan to its employees. However, providing a health plan to employees is a good way to add to employee’s compensation without having to pay too much tax.

Get information on Canada's Best Employee Benefits Plans Today!

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