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Smart Plan for Small Business

Unsure where to start with your benefits plan?

Start here.

The Smart Plan for Small Business helps Canadian small businesses balance excellent benefit coverage with cost containment.

The Smart Plan is designed specifically for businesses that:

  • Have three or more employees, including the owner.

  • Don’t currently have an employee benefits plan.

  • Are concerned about containing their costs, and need cost transparency.

  • Need flexibility and configurability to not pay for benefits they don’t need.

Why Choose The Smart Plan for Small Business?

IT’S CONFIGURABLE

The Smart Plan can be adjusted for the specific needs of your business and your employees, across virtually any sector or location in Canada.

IT’S AFFORDABLE

The Smart Plan pricing has been benchmarked against other group benefits plans to ensure that small businesses are receiving competitive and maximum value.

IT’S COMPREHENSIVE

The core Smart Plan includes every key features of a modern, adaptable benefits plan, while allowing your business to add or upgrade components as your business grows.

IT’S EASY TO IMPLEMENT

Our expert advisors can help you build your Smart Plan over the phone and get you a quote fast. You can be up and running in days.

You’re covered with Smart Plan for Small Business.

The Smart Plan for Small Business is straightforward, transparent, and flexible. With The Smart Plan, you’re completely covered!

EMPLOYEE HEALTH TREATMENT SMART PLAN SMART UPGRADE
80% drug coverage, with SmartRx Solutions*
*mandatory generic drugs, MaintainRx with FormuCARE
80% paramedicals
up to $250 annually
80% visioncare, including prescription glasses or contacts
for prescription glasses, contacts & assessments
set your own limit
Health Savings Account (HSA)
employees decide how to spend their health treatment dollars
available 100% semi-private hospital
Emergency medical bundle
up to $5,000 accidental dental, ambulance, semi-private hospital, medical appliances
Health recovery bundle
up to $10,000 convalescence home care, private duty nursing
Out of country emergency medical
up to $5,000,000, up to 90 days
Virtual healthcare, powered by Akira
access to nurse practitioner, 24/7/365 by phone, tablet or computer
LifeWorks short-term counselling services
talk to a qualified counselor by phone or in person, 24/7
EMPLOYEE DENTAL TREATMENT
80% basic & preventative
up to $1,000 annual max, 9 month recall, 8 scaling units per year
DISRUPTIVE HEALTH EVENTS
Accident & serious illness coverage
up to $25,000
Optional guaranteed critical illness coverage
employees can individually purchase up to $50,000 without a medical exam
Medical second opinion
confirm a difficult diagnosis & get more treatment options
Life insurance coverage
$25,000, 50% reduction at age 65, termination at age 70
1 year annual salary
Dependent life insurance coverage
protect family members
select amount
Long-term income replacement (disability)
up to 60% non-taxable benefit, 112 day elimination period, 12 month own occ, to age 65
up to 60%
DMI assist
customized treatment, return-to-work plans & rehab services
included in all disability plans
EMPLOYEE WELLNESS & LIFESTYLE
LIFT session physical fitness
personalized fitness programs via phone or computer
Living Well e-newsletter
monthly wellness & life hack newsletter
Employee wellness library
24/7 video, webinar & online resources
Travel assistance
get help in an emergency to get home when illness or accidents disrupt plans
Trip cancellation
recover travel expenses when illness disrupt plans
EMPLOYEE SUPPORT
Paper free plan onboarding
eliminate paperwork with 24/7 mobile-friendly plan member onboarding
myGroupHEALTH claims & info portal
48-hour claims turnaround, photo claims, pay direct, extended hour contact centre
EMPLOYEE SERVICES
AssurePLUS rate pooling, for pricing stability and predictability
Available for organizations with less than 16 employees
P.A. Assist
24/7 self-service Paper Free plan administration, with extended hours client support

READY TO TALK?

Get started in three easy steps.

1. Review your options with a licensed advisor, on phone or in person
2. Supply some basic business information, so we can give you a comparison quote
3. Finalize your benefits plan and get set up in days

Our expert advisors will speak to you by phone or in-person to build the best plan for your business.

Thank you! The information has been submitted successfully.

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Contact Info

15315 31st Avenue Surrey, BC V3Z 6X2

Phone: 1.877.542.4110