Group Insurance.

Employee Benefits

At Highpoint Life and Benefits Solutions

We offer tailored Solutions for companies large and small!

Group Insurance, sometimes referred to as Employee Benefits, is a combination of insurance coverages bundled to provide employees with a well-rounded insurance solution.

Why have Employee benefits

Show employees you care!

Provide your employees with peace of mind knowing that they are covered.
Competitive Group Insurance and Employee Benefits will attract and retain the best talent for your business

What we do.

Whether you are a small, medium, or large business, our experienced advisors will meet with you to assess your needs and explain your options. We will help you put together an employee benefits plan that will meet your business goals as well as the needs of your employees.

As brokers, our responsibility is to impartially and objectively find you the most suitable solution in the market from a broad range of the insurers we represent. We save you the trouble of researching the best insurance rates. We do the legwork for you!

At every step, we provide: Dedicated service Expert financial and insurance advice Professional support

To Get you going, we will provide a detailed analysis of your requirements, which plans will meet your needs, as well as explaining the effect of each option.

Needs Analysis

We work with you to understand your company’s coverage needs.

Plan Marketing

Shop the market for the most suitable solution

Plan Design

We design a plan specifically for you to satisfy employee requirement and to mitigate risk to the company.

Plan Implementation

Our team facilitates the smooth implementation of your plan.

At Every Step, We Provide:

Dedicated Service

We are here to help with every inquiry and change.

Risk Mitigation Advice

At top of mind in our work is to reduce or eliminate the business risk of ever increasing premiums.

Claims Resolution

Claims are normally paid seamlessly and without delay. We are on your team in case there is a problem.

Plan Marketing

When necessary, we shop the market for a better deal.

Professional Support

At every step you will have the benefit of highly trained and knowledgeable staff.

Cost Containment

Cost increases are a constant in group benefits as healthcare costs increase. We take every measure possible to keep your costs low.

Renewal Analysis and Negotiation

The most critical part of our work is to ensure you continually the best possible renewal rates for your plan.

Get Comprehensive Benefits for Businesses of Any Size

With our expertise, you can obtain the maximum benefits for you group insurance dollars.

With group benefits, your employees enjoy a broad range of coverage that can include:

Life Insurance

Member’s life insurance guarantees, in case of the member’s death, that the sum insured will be paid to the designated beneficiaries. It is offered in a choice of fixed amounts or annual salary multiples.

Dependents’ life insurance provides coverage against the death of the member’s spouse and dependent children. Upon the death of a dependent, the member will receive the sum insured under the contract.

Dental

Dental care coverage provides partial reimbursement of dental fees incurred by the member or the member’s family for preventative care, basic care, major care and orthodontic care.

AD&D

Accidental Death and Dismemberment Insurance

In case of accidental death, the insured life insurance sum doubles. If the member suffers the accidental loss of one or more limbs, the maximum benefit is equal to a percentage of the life insurance coverage.

Short-Term Disability

This coverage guarantees a regular income to a member in case of an accident or illness resulting in a prolonged absence from work (generally 17, 26 or 52 weeks).

Vision

Vision care coverage provides reimbursement of eye examinations as well as a portion of the cost of glasses or contact lenses for the member and the member’s family.

Extended Healthcare

This coverage allows reimbursements for:

Prescription drugs
Hospitalization fees
Ambulance fees
Medical care
Paramedical care (chiropractor, massage therapist, psychologist, osteopath, etc.)

Travel

Emergency expenses outside the province of residence.

Long Term Disability

In the event that the disability extends past the coverage duration of short-term disability insurance, this coverage guarantees a regular income to the disabled plan member until the age of 65.

Here is the main thing – Our job is to be your best advocate in the market. We constantly strive to make sure your needs are met while mitigating risk and containing costs!

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