Author: Steffen deGraaf
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$42 Billion Housing Plan: 5 Ways Smart Construction Companies Will Profit from Build Canada Homes initiative…
How to Offer Competitive Benefits on a Seasonal Construction Timeline
The 3-Minute Lifeline Your Construction Workers Never Knew They Needed
The Hidden Cost of Waiting Until Renewal for Your Company’s Group Benefits
Master Your Next Group Benefits Switch: The Proven HR Method
Breaking Down Benefits Pooling: What Your Broker Never Told You
WSIB vs. Group Benefits Disability Insurance: Do You Need Both?
Substance Use in the Trades: How HR Can Help Without Fear, Judgment, or Stigma
Family Planning Benefits in Construction: Why Workers (and Their Spouses) Need More Than Just a Paycheque
How Instant Claims and e-Payments are Revolutionizing Group Benefits
Group Benefits Ontario: How Construction Business Owners Can Choose the Right Plan
Ontario Construction Industry benefit plan: 5 Key Factors for Choosing the Best Provider

Steffen deGraaf
I started AEC Benefits to make group benefits simple, cost-effective, and hassle-free. With 20+ years of experience, I know that a well-designed benefits plan helps businesses attract and retain top talent while keeping costs under control.
Unlike many providers, we have direct relationships with top insurers, eliminating middlemen to get you better pricing, faster service, and customized solutions.
And let’s be honest—great customer service is rare. That’s why we provide personalized support, clear guidance, and fast responses so you always know where you stand. Whether you’re setting up a new plan or optimizing an existing one, we make it easy.
Let’s build a smart, sustainable benefits program that works for your business and your employees.
Discover our group plans below...
This months top post's...
Group Benefits: Why Small Businesses Can’t Afford to Ignore Them
In today’s job market, small businesses face fierce competition to attract and retain top talent. Offering group benefits is no...
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Steffen deGraaf

How to Offer Competitive Benefits on a Seasonal Construction Timeline
Generic benefits solutions fail seasonal construction workers in Ontario. Discover how partnering with a construction-specialized broker creates custom programs with stable rates and long-term guarantees
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$42 Billion Housing Plan: 5 Ways Smart Construction Companies Will Profit from Build Canada Homes initiative…
Look, I’ve been watching the construction industry long enough to know when something big is

How to Offer Competitive Benefits on a Seasonal Construction Timeline
Generic benefits solutions fail seasonal construction workers in Ontario. Discover how partnering with a construction-specialized

The 3-Minute Lifeline Your Construction Workers Never Knew They Needed
In the demanding world of construction, where physical challenges meet high-stress environments, supporting your team’s

The Hidden Cost of Waiting Until Renewal for Your Company’s Group Benefits
What’s inside… Is waiting for renewal to review your construction company’s group benefits costing you

Master Your Next Group Benefits Switch: The Proven HR Method
Changing insurance providers usually triggers anxiety, uncertainty, and a rush of paperwork that leaves many

Breaking Down Benefits Pooling: What Your Broker Never Told You
If you’ve ever felt blindsided by unexpected rate hikes during your group benefits renewal, you’re

WSIB vs. Group Benefits Disability Insurance: Do You Need Both?
WSIB is mandatory for Ontario construction businesses, covering work-related injuries—but is it enough? This guide

Substance Use in the Trades: How HR Can Help Without Fear, Judgment, or Stigma
Substance use in the construction industry is a growing concern, impacting safety, productivity, and employee

Family Planning Benefits in Construction: Why Workers (and Their Spouses) Need More Than Just a Paycheque
Construction workers face long hours, physically demanding jobs, and unpredictable schedules—making family planning a real

How Instant Claims and e-Payments are Revolutionizing Group Benefits
Summary Group benefits have evolved with the introduction of electronic claims and instant pay, streamlining

Group Benefits Ontario: How Construction Business Owners Can Choose the Right Plan
Choosing the right group benefits plan is one of the most important decisions a construction

Ontario Construction Industry benefit plan: 5 Key Factors for Choosing the Best Provider
The Ontario construction industry benefit plan you choose isn’t just about coverage—it’s about having a

How to Offer Competitive Benefits on a Seasonal Construction Timeline
Generic benefits solutions fail seasonal construction workers in Ontario. Discover how partnering with a construction-specialized

The 3-Minute Lifeline Your Construction Workers Never Knew They Needed
In the demanding world of construction, where physical challenges meet high-stress environments, supporting your team’s

Master Your Next Group Benefits Switch: The Proven HR Method
Changing insurance providers usually triggers anxiety, uncertainty, and a rush of paperwork that leaves many

Breaking Down Benefits Pooling: What Your Broker Never Told You
If you’ve ever felt blindsided by unexpected rate hikes during your group benefits renewal, you’re

WSIB vs. Group Benefits Disability Insurance: Do You Need Both?
WSIB is mandatory for Ontario construction businesses, covering work-related injuries—but is it enough? This guide

Substance Use in the Trades: How HR Can Help Without Fear, Judgment, or Stigma
Substance use in the construction industry is a growing concern, impacting safety, productivity, and employee

Family Planning Benefits in Construction: Why Workers (and Their Spouses) Need More Than Just a Paycheque
Construction workers face long hours, physically demanding jobs, and unpredictable schedules—making family planning a real

How Instant Claims and e-Payments are Revolutionizing Group Benefits
Summary Group benefits have evolved with the introduction of electronic claims and instant pay, streamlining

Ontario Construction Industry benefit plan: 5 Key Factors for Choosing the Best Provider
The Ontario construction industry benefit plan you choose isn’t just about coverage—it’s about having a

From Stigma to Support: Empower Employees with Mental Health Challenges
Mental health challenges affect millions of employees across industries, yet for far too long, stigma

Top 5 Mental Health EAP Providers in Canada: Supporting Your Workforce’s Well-Being
When it comes to supporting your employees’ mental health, having the right Employee Assistance Program (EAP) in place is a game-changer.

How Telehealth and Online Support Are Transforming Mental Health Benefits
The way we think about mental health benefits is changing—fast. With the rise of telehealth

How to Offer Competitive Benefits on a Seasonal Construction Timeline
Generic benefits solutions fail seasonal construction workers in Ontario. Discover how partnering with a construction-specialized

The 3-Minute Lifeline Your Construction Workers Never Knew They Needed
In the demanding world of construction, where physical challenges meet high-stress environments, supporting your team’s

Master Your Next Group Benefits Switch: The Proven HR Method
Changing insurance providers usually triggers anxiety, uncertainty, and a rush of paperwork that leaves many

Breaking Down Benefits Pooling: What Your Broker Never Told You
If you’ve ever felt blindsided by unexpected rate hikes during your group benefits renewal, you’re

WSIB vs. Group Benefits Disability Insurance: Do You Need Both?
WSIB is mandatory for Ontario construction businesses, covering work-related injuries—but is it enough? This guide

Substance Use in the Trades: How HR Can Help Without Fear, Judgment, or Stigma
Substance use in the construction industry is a growing concern, impacting safety, productivity, and employee

Family Planning Benefits in Construction: Why Workers (and Their Spouses) Need More Than Just a Paycheque
Construction workers face long hours, physically demanding jobs, and unpredictable schedules—making family planning a real

How Instant Claims and e-Payments are Revolutionizing Group Benefits
Summary Group benefits have evolved with the introduction of electronic claims and instant pay, streamlining

Ontario Construction Industry benefit plan: 5 Key Factors for Choosing the Best Provider
The Ontario construction industry benefit plan you choose isn’t just about coverage—it’s about having a

From Stigma to Support: Empower Employees with Mental Health Challenges
Mental health challenges affect millions of employees across industries, yet for far too long, stigma

Top 5 Mental Health EAP Providers in Canada: Supporting Your Workforce’s Well-Being
When it comes to supporting your employees’ mental health, having the right Employee Assistance Program (EAP) in place is a game-changer.

How Telehealth and Online Support Are Transforming Mental Health Benefits
The way we think about mental health benefits is changing—fast. With the rise of telehealth