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.