Group Insurance
Nine articles on group benefits in Canada, from both the employer's side and the plan member's.
Group Benefits in Canada: What's Actually Covered
A plain-language Canadian guide to what group benefits actually cover, health, dental, life, disability, and the pieces people overlook, and how to read your own plan.
AD&D Insurance in Canada: What It Covers and What It Doesn't
A plain-language Canadian guide to accidental death and dismemberment (AD&D) insurance. What "accidental" really means, the dismemberment half, exclusions, and how it fits with life insurance.
Coordination of Benefits in Canada: Using Two Group Plans
A plain-language Canadian guide to coordination of benefits. How two group plans work together, which plan pays first, the birthday rule for children, and what it does and doesn't do.
Employee Assistance Programs (EAP) in Canada: How They Work
A plain-language Canadian guide to employee assistance programs. What an EAP covers, whether it's confidential, who can use it, its real limits, and how to access it.
Group Benefits When You Leave a Job: What Happens and Your Conversion Rights
A plain-language Canadian guide to what happens to your group benefits when you leave a job. The coverage gap, conversion rights, and how to avoid being left exposed.
Health Spending Accounts for Small Business in Canada
A plain-language Canadian guide to health spending accounts for small business owners. How they work, the tax question, their limits, and how they fit with group insurance.
Is Group Life Insurance Enough? What to Know in Canada
A plain-language Canadian guide to whether group life insurance is enough. Why the amount is a formula, why it's tied to your job, and how personal coverage fits.
What Drives the Cost of Group Benefits for a Small Business?
A plain-language Canadian guide to what drives group benefits cost for small businesses. The factors you can't control, the levers you can, and how to manage cost at renewal.
When Group Benefits Actually Start: Waiting Periods and Enrolment
A plain-language Canadian guide to when group benefits begin: waiting periods, automatic versus optional coverage, evidence of insurability, and the late applicant problem.