HomeEmployee BenefitsPersonal InsuranceResourcesAbout UsNewsletters/Special AnnouncementsContact Us
Special Announcements Quick Links  
 
Employee Benefits

Group Insurance Plans | Benefit Plan Options | Savings & Retirement | Health & Wellness | Plan Administrator's Area


Group Insurance Plans

A typical benefit plan rewards employees by helping to pay for medical and dental expenses.  It may include benefits such as life insurance, disability protection and health and dental. To be an employer of choice, you can’t afford to be typical. What you include in your benefit program is as important as how you structure your program.

Is your plan in line with your competitors? 
Are you paying premium for unnecessary services?
Are you taking advantage of all your plan has to offer? 

GMS can answer all these questions and tie everything together with a solid communication strategy – after all, a benefit plan is only successful if it is understood.

A solid benefit program does not need to be extravagant to be effective.  With a little planning and creative thinking on our part, we will show you how you can have a plan that works within your budget, meets employee’s expectations and helps solve HR issues such as such as attraction and retention, employee turnover and productivity.

Back to top


Benefit Plan Options

Benefit Coverage

  • Life Insurance
  • Optional Life Insurance
  • Dependent Life Insurance
  • Optional Dependent Life Insurance
  • Accidental Death & Dismemberment
  • Short-Term Disability
  • Long-Term Disability
  • Extended Health Care
  • Drug Plans
  • Dental Care
  • Critical Illness Protection
  • Employee Assistance Programs (EAPs)
  • Personal Medical Plan (in the event of termination or ineligibility)

Investment Plans

  • Financial Check-Up
  • Group Retirement Plans
  • Pension Plans
  • Deferred Profit Sharing Plans

Funding Methods

  • Fully Insured
  • Private Health Services Account (Cost Plus)
  • Health Care Spending Accounts
  • Administrative Services Only (ASO)
  • Retention Accounting

Back to top


Savings & Retirement

Concerns over the long-term viability of public retirement programs, such as the CPP, and an aging baby-boomer population has increased employee interest in employer-sponsored retirement savings plans.

There are many cost effective ways employers can help employees plan for their retirement years including Registered Pension Plans (RPP), Group RRSPs, and Deferred Profit sharing Plans (DPSP).  A GMS Insurance consultant will work with you to highlight the pros and cons of each and show you how best to design your plan.  We will also conduct periodic plan reviews with you to ensure that the administration of the plan remains compliant with various legal requirements and industry guidelines.

Back to top


Health & Wellness

An active, healthy, well-balance lifestyle can translate into happier and more productive employees and lower medical claim costs.  To get you started, GMS Insurance publishes a health and wellness newsletter for distribution to your employees on a bi-monthly basis.  We will also show you how you can take advantage of other health and wellness programs available to you at no cost.

Back to top


Click here to enter the Plan Adminstrator's area