Resources
October 13, 2026
What Is a Benefits Blueprint? How a Group Benefits Plan Gets Designed Before It Gets Quoted
What a Benefits Blueprint is, what goes into it, and why it comes before any quote.
Steffen deGraaf
ReadGroup Benefits Resource Hub
Practical guidance for Ontario employers on coverage, costs, renewals, EAPs, and workforce decisions. Specialized construction research remains in the construction hub.
Google Preferred Sources
Add AEC Benefits as a Preferred Source
If our Ontario benefits guidance is useful, add AEC Benefits in Google. Google may highlight our current articles in Top Stories, AI Overviews, and AI Mode for your signed-in account.
Featured Article
Our latest insights and industry updates
Featured
Construction WorkforceOctober 13, 2026
How Does an Hour Bank Benefits Plan Work? The Arithmetic, Explained
Hours in, coverage out, and a reserve in between. How an hour bank benefits plan is built, with a worked example and the questions to ask before you sign.
Steffen deGraaf
Read Full ArticleLatest Articles
Resources
October 13, 2026
The Four Pillars of a Group Benefits Plan: Income Protection, Health, Dental and Wellness
What each pillar covers, what it does not, and how the weighting changes from one crew to the next.
Steffen deGraaf
Read
Business Owners
October 13, 2026
How to Run a Benefits Needs Assessment for a 5 to 50 Person Crew
Four questions decide where a benefits budget goes. Ask them before anyone sends you a quote.
Steffen deGraaf
Read
Pricing & Renewal
October 13, 2026
Using a Benefits Blueprint at Renewal: How to Push Back on a Rate Increase With a Spec
A generalist approves or declines the renewal. A plan review reconfirms what the crew needs, checks the price against it, and takes the case to market.
Steffen deGraaf
Read
Cost Optimization
June 6, 2026
How Much Do Group Benefits Cost for an Ontario Construction Company? (2026 Guide)
Real cost ranges for Ontario construction companies in 2026 — per employee, per hour, and per crew size — plus what drives the number and what most guides miss.
Steffen deGraaf
Read
Construction Workforce
June 27, 2026
Wage Increase vs Benefits Budget: What Should Ontario Construction Employers Prioritize in 2026?
A compensation-planning guide for contractors deciding whether the next dollar should go to wage increases, benefits, bonuses, or a clearer total rewards strategy.
Steffen deGraaf
Read
Resources
March 5, 2026
What Is Long-Term Disability Insurance and Why It Matters in Construction
Long-term disability insurance protects income when a construction employee cannot work for an extended period. Here is why that matters in Ontario.
Steffen deGraaf
Read
Comparisons
February 28, 2026
Are Group Benefits Worth It for Small Businesses in Ontario?
A decision-focused guide for Ontario small businesses deciding whether group benefits are worth the spend.
Steffen deGraaf
Read
Pricing & Renewal
February 24, 2026
What Happens at Group Benefits Renewal and Why Your Rates Increased
Understand what happens at benefits renewal, why rates increase, and how to respond before accepting the renewal as-is.
Steffen deGraaf
Read
Construction Workforce
February 19, 2026
Why Construction Companies Lose Employees Without Benefits
Construction companies lose good employees when their offer stops at wages. Here is how benefits fit into retention and hiring.
Steffen deGraaf
Read
Pricing & Renewal
February 13, 2026
How Much Do Group Benefits Cost for a 10-20 Employee Company in Canada?
A decision-focused guide to group benefits cost for 10-20 employee companies, with practical plan design and renewal considerations.
Steffen deGraaf
Read
Construction Workforce
February 8, 2026
Benefits for Construction Workers in Ontario: What Employers Need to Know
Construction worker benefits in Ontario need to do more than check boxes. Here is what employers should include, budget for, and avoid.
Steffen deGraaf
ReadExplore Benefits Guidance
Want Expert Guidance on Your Benefits Plan?
Have questions about what you've read? Let's discuss how we can help your business.