Better Business Bureau

Employee Benefits FAQ

What sort of medical evidence is required?
What payment options are available?
Which insurance companies can I purchase group benefits from?
How soon can my employee benefits coverage start?
What happens if I get two group insurance quotes and want to purchase online?
How do I know if my data is being encrypted?
When should I cancel my existing employee benefits policy?

- You can search our insurance blog for answers -

What sort of medical evidence is required?

Medical evidence is not required for standard group benefit insurance packages unless the non-evidence limit is exceeded (i.e. a large amount of insurance is purchased).  The non-evidence limit varies from insurance company to company and is approximately $1500/month for Long Term Disability and $50,000/per person for life insurance. Generally speaking, the larger the group the higher the non-evidence limit.

What payment options are available?

You can either have your insurance company bill you monthly or set up a pre-authorized payment plan. The availability of a pre-authorized payment plan varies by insurance company and the size of the group.

Which insurance companies can I purchase group benefits from?

We are a full-fledged broker, and as such we quote from leading Canadian insurance companies that offer group benefits.

The following are just some of these leading carriers.
   
   • Manulife Financial
   • Empire Life
   • Great West Life
   • RBC
   • BMO
   • Sun Life

How soon can my employee benefits coverage start?

Coverage usually commences on the first day of the next month, provided a cheque for the first months premium has been received and all enrollment and application forms have been approved.**

What happens if I receive two group insurance quotes and want to purchase online?

If you submit more than one Quick Quote then you will need to confirm with one of our brokers which plan you want to go with before purchasing online.

How do I know if my data is being encrypted?

When obtaining a Quick Quote or purchasing benefits online your browser (e.g. Internet Explorer or Netscape Navigator) should display a lock in the bottom right-hand corner. When SSL (Secure Sockets Layer, which provides the encryption) is being utilized this lock will be closed (i.e. locked).



** Under no circumstances should you cancel any existing insurance policy until you have received written approval from your new insurance carrier.