For businesses with 2-19 employees, BeneFit is a comprehensive benefits solution that provides simple plan options, easy administration, and cost-effective protection.
For businesses with 20 employees or more, 20Plus is a flexible, comprehensive solution that lets you customize a cost-effective employee benefits plan.
Administrative Services Only (ASO)
For businesses that self-insure all or a portion of their employee health and dental benefits, we provide the full complement of supporting administration.
A plan option that lets businesses pay dental and health claims that exceed the provisions of their contract.
Critical Illness Insurance
A serious illness can be frightening enough without worrying about money. Yet most employees would find it financially challenging were they suddenly forced to take time off work.
Critical Illness - Health Concierge Service
Being diagnosed with a life threatening condition can be like suddenly landing in hostile foreign territory. At times like this, it helps to have an expert guide. The Health Concierge Service can help.
Coverage of dental services, with a full range of options including basic dental care, periodontic/endodontic, major restorative, and orthodontic services.
Short and long-term income protection for employees who need to take time off work due to illness or injury.
Employees can make a claim anytime, from anywhere. And while they must keep receipts for one year, they don’t need to submit them unless requested. No stamps, no trips to the post office, no waiting.
Employee Assistance Program (EAP)
A range of confidential services for employees and their dependants, as well as for managers and company leaders, to help resolve challenging situations and maintain productivity.
Extended Health Benefits
Coverage of health and wellness items such as prescription drugs, paramedical services, vision care, etc., not covered by provincial health care plans.
Health Care Essentials
A plan option under Extended Health Benefits that gives employees choices in how they spend their major medical benefit, while providing cost management measures for business owners.
Health Care Spending Account (HCSA)
Enrich a plan, add flexibility, or control costs. One tool, many applications.
The healthcare pooling solutions that Empire Life has developed will insulate benefit plans from the full impact of high cost claims that are not covered by provincial plans.
Incidental Health Expense
A simplified spending account that gives employees the flexibility to cover health and dental expenses in excess of their core plan coverage.
Life/Accidental Death & Dismemberment
Financial protection for employees and their families in the event of death or serious accident.
Drug coverage for employees and their dependants.
Travel Emergency Assistance
Protection for employees and their families if they have a medical emergency while travelling outside their home province or outside of Canada.