Group Benefits

Comprehensive employee and group benefits programs provide a range of health, wellness, and financial security options for employees. These typically include health and dental coverage, life and disability insurance, retirement savings plans, and wellness initiatives. Designed to attract and retain talent, these customizable programs help improve employee satisfaction and productivity while addressing their diverse needs.

Extended health and dental insurance provides employees with additional coverage beyond provincial or basic healthcare plans. It typically includes benefits such as prescription drug coverage, vision care, physiotherapy, mental health services, and routine dental care like cleanings, fillings, and major dental procedures. This insurance helps employees manage out-of-pocket medical expenses.

Disability insurance provides financial protection for employees who are unable to work due to illness or injury. It replaces a portion of their income, helping them cover essential living expenses during periods of temporary or long-term disability. This coverage ensures that employees can focus on recovery without the added stress of lost wages, offering peace of mind and stability in challenging times.

Critical illness insurance provides a lump-sum and tax-free payment to employees diagnosed with a serious medical condition such as cancer, heart attack, or stroke. This coverage helps alleviate the financial burden of treatment, recovery, and other associated costs, allowing individuals to focus on their health without worrying about unexpected expenses. The payout can be used for medical bills, household expenses, or any other financial needs during recovery.

Corporate-owned insurance provides financial protection to businesses against the loss of key executives or critical employees due to death, disability, or serious illness. The business owns the policy and is the beneficiary, allowing it to receive funds to mitigate disruptions such as covering operational costs, recruiting and training a replacement, or compensating for lost revenue and leadership expertise. This insurance ensures business continuity and helps safeguard the company’s long-term stability in the event of an unexpected loss.

Individual life insurance provides a financial safety net for loved ones in the event of death. It offers a tax-free lump-sum payment to beneficiaries, which can be used to cover expenses such as funeral costs, outstanding debts, estate planning, and ongoing living expenses. This coverage helps ensure that family members remain financially secure and can maintain their standard of living after the policyholder’s passing.

Group retirement and savings plans are employer-sponsored programs designed to help employees save for their future and retirement. These plans often include options like group RRSPs, pension plans, or deferred profit-sharing plans, with potential employer contributions to enhance employee savings. They offer employees a structured and convenient way to invest in their long-term financial security, often with tax advantages. For employers, offering group retirement plans is a valuable tool for attracting and retaining talent by supporting employees’ financial well-being.

Travel and expatriate insurance provides coverage for individuals working, living, or traveling abroad, offering protection against a variety of risks such as medical emergencies, trip cancellations, lost baggage, and evacuation services. For expatriates, this insurance also typically includes extended healthcare coverage, ensuring access to medical treatment while living outside their home country. It helps safeguard individuals and their families from unexpected expenses and challenges while abroad, providing peace of mind for both short-term travel and long-term international assignments.

Health Spending Accounts (HSAs) and Lifestyle Spending Accounts (LSAs) provide flexible benefit options, allowing employees to allocate funds for various health and wellness expenses. HSAs offer a tax-free way for employees to reimburse themselves for eligible medical costs not covered by their primary insurance, such as vision care, orthodontic treatments, and fertility services.

In contrast, LSAs cover lifestyle-related expenses, enabling employees to use funds for activities like fitness memberships, wellness programs, and personal development. The aim is to enhance flexibility in benefits packages, supporting overall employee well-being, engagement, and satisfaction.

Employee Assistance Programs (EAPs) are confidential support services offered by employers to help employees address personal and professional challenges. EAPs typically provide access to a range of resources, including counseling services, mental health support, legal and financial advice, and stress management resources. These programs aim to enhance employee well-being, improve workplace productivity, and reduce absenteeism by providing employees with the tools and support they need to navigate difficult situations.

Wellness programs are structured initiatives offered by employers to promote the physical, mental, and emotional well-being of their employees. These programs often include a variety of activities and resources, such as fitness challenges, health screenings, nutritional guidance, stress management workshops, and mental health support. The goal of wellness programs is to encourage healthy lifestyle choices, reduce health-related risks, and improve overall employee productivity and morale. These ultimately reduce healthcare costs associated with preventable health issues.

Vision care encompasses a range of services and benefits aimed at maintaining and improving eye health. This includes routine eye exams, prescription eyewear (glasses and contact lenses), and treatments for various eye conditions. Vision care is essential for early detection of vision problems and can help prevent more serious issues down the line. Providing access to vision care not only supports employees’ overall health but also enhances their quality of life and productivity in the workplace.

We represent a wide range of employee benefits programs, including health and dental plans, disability plans, flexible spending accounts, wellness programs, group retirement savings plans, and corporate insurance such as key person insurance to support business continuation strategies.

Our expert advisors work closely with you to understand your business needs and tailor benefits solutions that align with your goals. We take into account your budget, employee demographics, total rewards philosophy, and long-term objectives to design a plan that fits your unique situation.

Key person insurance is a policy that protects your business in the event that a crucial employee, such as a partner or executive, becomes unable to work due to illness, injury, or death. This insurance helps cover financial losses and ensures business continuity during unexpected disruptions.

Yes, we specialize in designing group benefits plans that allow businesses of all sizes to provide the coverage and services that suit their needs. Our team works with you to find the right balance of coverage that fits your budget while still providing valuable benefits to your employees.

Wellness programs are designed to enhance employee health and well-being. They often include mental health resources, fitness initiatives, healthcare navigation tools, and other resources that improve access to care and encourage healthier lifestyles—ultimately boosting productivity and reducing healthcare costs.

We help implement customized workplace retirement plans and offer employee education on these resources. Our experienced advisors help with group retirement options like Registered Retirement Savings Plans, Deferred Profit Sharing Plans, Defined Contribution Pension Plans, Tax-Free Savings Accounts, and other tools to promote financial wellness and prepare employees for their future.

Yes, we offer comprehensive insurance solutions that cover both corporate needs—such as group benefits, group retirement, and key person insurance—as well as individual insurance policies for employees seeking additional coverage for their personal lives.

With the backing of numerous brokerages and a growing team of benefits advisors, Westland has a proven track record of delivering tailored, innovative benefits packages. As one of the top advisors in Canada, we bring deep expertise, personalized service, and a commitment to helping your business and employees succeed.

EAPs provide confidential counseling and support services to help employees manage personal or work-related issues that might impact their performance or well-being. These programs can address stress management, financial advice, mental health, family care and a range of different challenges we all face in life.

Absolutely. We understand that business needs evolve, and we provide guidance on options to enhance your benefits packages as your workforce or budget changes. You can amend your plan, change your insurance carrier, or transfer your existing plan from another broker at any time.