Group Insurance in Montreal

Your employees are your most valuable asset. Keep them engaged with a competitive benefits program tailored to suit you and your team.

Western Financial Group works in partnership with independent Canadian business groups, associations and buying groups. We  offer superior methods to manage insurance programs with greater financial and administrative efficiencies. The result of these partnerships is a more efficient structure than the traditional broker-insurance company model. Learn more about our Group Health Benefit Solutions.

Find the right group health benefit solution for your business

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SOINS DE SANTÉ COMPLÉMENTAIRES

L’assurance soins de santé complémentaires aide vos employés à payer les frais médicaux nécessaires qui ne sont peut-être pas entièrement couverts par leur régime provincial d’assurance maladie. Les protections de soins de santé complémentaires peuvent être divisées en plusieurs catégories : frais hospitaliers, frais de médicaments, fournitures et équipements paramédicaux, services paramédicaux, soins à l’extérieur de la province et autres protections de soins de santé.

SOINS DENTAIRES

L’assurance soins dentaires aide les employés et leur famille à couvrir les coûts des soins dentaires. Vous pouvez concevoir votre régime selon différents niveaux de couverture, de l’entretien de base aux services de restauration majeurs.

MÉDICAMENTS ET SERVICES PROFESSIONNELS

Cette protection aide à couvrir les coûts des médicaments sur ordonnance et des services professionnels, comme la chiropractie, la massothérapie et la physiothérapie.

SOINS DE LA VUE

Cette protection offre aux employés une couverture pour les examens de la vue périodiques, les lunettes ou les lentilles cornéennes ainsi que la chirurgie des yeux au laser.

COMPTE GESTION-SANTÉ

Le compte gestion-santé offre aux employés une couverture pour les frais de soins de santé ne faisant pas partie de leur régime, ou pour compléter leur assurance collective. Tous les ans, les employés recevront un montant prédéterminé à dépenser pour des soins de santé admissibles non couverts par les régimes d’assurance maladie provinciaux. Il est aussi possible d’utiliser un CGS pour payer les franchises et les quotes-parts de l’assuré sur les autres prestations de leur régime d’assurance collective. Cette flexibilité permet aux employés d’avoir accès aux services dont ils ont le plus besoin.

  • We are uniquely positioned within the benefits industry and have been helping Canadian businesses for over four decades. Designed in-house by our experts as a comprehensive program
  • Retirement plans - Providing group insurance plans that help employees save for retirement is common. Employers can place payroll deductions into a tax-free savings account, provide group RRSPs, have deferred profit -sharing plans, and have pension plans.
  • Life insurance - Group life insurance is a type of group insurance plan that protects employees’ dependents from financial hardship in the event of their death. It can pay for education, a mortgage, debt, and other financial obligations. Life insurance coverage is provided during the term of employment and can sometimes provide coverage even for dependents who pass away.
  • Disability insurance - Disability insurance protects employees if they become unable to work. Short-term disability insurance covers periods up to six months or a year, and long-term disability covers more extended absences. Both types replace a percentage of the employee’s income, generally around 60 per cent to 80 per cent, while they cannot work.
  • POOLED PROGRAM ADVANTAGES - Unlike a traditional program through an insurance company, we place your program in an insurance pool. This creates a greater spread of risk for you and your staff. Our team looks at total claims and premiums of our entire block of business and renews you alongside 1,700 clients. That’s something you can’t achieve on your own as a small business with fewer employees.
  • Similar to a large corporate plan, you receive the instant and distinct advantages of long-term rate stability and predictability. You’re renewed based on the health of over 30,000 people.

Advantages to working with a Western broker

  • Pay-Direct Drug/Dental Card
  • Dedicated Customer Service
  • Online Administration
  • COST SAVINGS
  • LONG-TERM RATE STABILITY
  • PROGRAM FLEXIBILITY
  • When you choose Western Financial Group, you receive the benefits that come with one of Canada’s largest insurance brokerage networks. We go beyond the basics to offer an unmatched array of products that provide the right coverage for the best value.
  • Fast. Convenient. Paperless.
  • OUR ONLINE ADMINISTRATION SERVICE PROVIDES MEMBERS
  • 24/7 ACCESS TO THEIR GROUP INSURANCE PLAN. MAKING IT EASIER TO:
  • Online Administration
  • Submit claims
  • Sign up for direct deposit
  • Download personalized claim forms
  • Check coverage eligibility instantly
  • Verify Health Care Spending account balances

Potential discounts are available

Next to salaries, group insurance coverage is the most important tool in attracting and retaining staff for your business.

One size does not fit all. We offer flexible coverage options so you can customize your plan to suit your business and your employee needs and demographics.