Group Benefits 101 ...
What Employers, Employees & HR Need to Know
Looking for clear, practical guidance on group health insurance, employee benefits, and workplace coverage? Pick your category—owner, employee, or HR professional—and find tailored advice to fit your needs.
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This weeks Most Popular Group Benefits posts...
02May
19Mar
12Mar
03Jan
03Jan
Hot Topics for Business Owners...
02May
$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 happening. The government is just about to put $42 billion into housing, and while most companies are sitting around “waiting
17Feb
Get More Out of Your Dental Benefits—A Must-Read for Every Employee
Introduction Dental care is an essential part of overall health, but it can also be expensive without the right coverage. Many employees assume their group dental benefits plan covers all dental procedures, only to be
26Mar
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 thousands? The answer is yes. In this insider’s guide, discover why delay is your most expensive decision—and how proactive planning
12Mar
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 business owner can make. Get it right, and you’ll attract and keep top talent, control costs, and stay ahead of
03Jan
Group Benefits for Small Businesses: A Simple Guide to Getting Started
Let’s be real—starting a group benefits plan for your small business might sound like a complicated and expensive process, but it doesn’t have to be. In fact, setting up group benefits is easier than you
03Jan
The Chambers Plan vs. Traditional Insurance: Why Larger Teams Deserve Better Options
The Chambers Plan is often promoted as the go-to group benefits solution for small businesses. And while it can be a solid choice for companies with just a handful of employees, it’s far from the
31Dec
5 Game-Changing Perks to Elevate Your Group Benefits Plan
Let’s face it—not all group benefits plans are created equal. If you’re a business owner who assumes simply having a plan is enough, it’s time to think again. The right group benefits plan is much
31Dec
The Hidden Costs of Skipping Group Benefits Plans
Group benefits plans are employer-sponsored programs that provide employees with access to health insurance, dental coverage, wellness programs, and other perks.
31Dec
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 longer a luxury—it’s a necessity.
03Jan
Chambers Plan vs. Equitable Life’s EZBenefits: Which Group Benefits Solution Is Right for You?
If you’re a small business owner considering the Chambers Plan for your group benefits, it might seem like the go-to solution. After all, it’s marketed as affordable and accessible for smaller companies. But does it
17Feb
How Group Benefits Can Help You Reduce Corporate Taxes in Canada
Let’s be real—nobody likes overpaying taxes, and as a business owner in Canada, you’re likely always looking for ways to reduce your corporate tax burden while keeping your team happy.
01Jan
The Ultimate Guide to Choosing the Best Group Plans for Your Business
In today’s competitive job market, offering group plans isn’t just a nice-to-have – it’s a game-changer. Whether you’re running a small team or managing a growing company, group plans can be your secret weapon to
03Jan
Does the Chambers Plan Cover Ozempic? Here’s What You Need to Know
If you’re exploring group benefits options for your business, you’ve likely heard of the Chambers Plan. It’s marketed as an affordable and accessible solution for small businesses, pooling resources from multiple companies to provide competitive
17Feb
Employee Benefits as a Competitive Advantage in Ontario’s Hiring Market
Written by: Steffen deGraaf Group Benefits Consultant, AEC Benefits Hiring in Ontario right now? Then you already know it’s a candidate-driven market. The best talent isn’t just looking at salary—they’re evaluating the entire compensation package,
06Jan
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 platforms, virtual counseling, and mental health apps, access to care is more immediate and flexible than ever. For HR teams,
06Jan
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.
17Feb
The Biggest Mistakes Business Owners Make with Group Benefits
Let’s talk about group benefits—the thing that every business owner knows they need but often get completely wrong. Too many business owners treat their benefits plan like a “set-it-and-forget-it” deal, only to realize they’re overspending,
03Jan
Group Benefits for Small Businesses: A Simple Guide to Getting Started
Let’s be real—starting a group benefits plan for your small business might sound like a complicated and expensive process, but it doesn’t have to be. In fact, setting up group benefits is easier than you
06Jan
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.
06Jan
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 platforms, virtual counseling, and mental health apps, access to care is more immediate and flexible than ever. For HR teams,
Group Benefit Insights and Resources
What Are Group Benefits? A Complete Guide for Ontario Businesses
Helping Employers Attract, Retain, and Support Their Teams Introduction: Why Group Benefits Matter for Ontario Businesses As a business owner...
$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 happening. The government is just...
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...
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 breaks down the key differences...
$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 happening. The government is just...
Group Benefits FAQ's
Group benefits are employer-sponsored insurance plans that provide employees with coverage for healthcare, dental, vision, disability, and life insurance at reduced rates.
Eligibility varies by plan but typically includes full-time employees and sometimes part-time workers who meet minimum work hours.
Most plans cover healthcare, prescription drugs, dental, vision, disability, and life insurance, with optional add-ons like wellness programs.
Group benefits often cost less and have simpler approvals compared to individual insurance policies.
Many plans include mental health services such as therapy or counseling sessions, covered either partially or fully.
Employer-paid health and dental premiums are non-taxable in Canada, but life and disability insurance premiums may be taxed as a benefit.
Most plans allow employees to continue coverage during leave, with arrangements for premium payments.
Many plans include coverage for alternative therapies like massage, acupuncture, or chiropractic care.
Most of our plans offer travel insurance for emergencies while you’re abroad; check your policy for details.
Absolutely! A strong benefits package is a key factor in attracting and keeping top talent.
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...
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 breaks down the key differences...
Get a Group Benefits Quote...
Hot Topics for HR and Office Managers...
29Jan
Does Your Group Benefits Plan Cover Ozempic?
Does Your Group Benefits Plan Cover Ozempic? Written by: Steffen deGraafGroup Benefits Consultant, AEC Benefits Ozempic, a prescription medication used to manage type 2 diabetes and assist with weight loss, has become a frequently discussed
12Mar
Ontario Employee Benefits: How to Ensure Your Construction Team Maximizes Their Coverage
Most construction companies invest in Ontario employee benefits to attract and retain employees—but what happens when employees don’t use them? Many skilled tradespeople leave their coverage on the table because they don’t understand their plans
17Feb
How to Maximize Your Group Benefits Plan as an Employee
Written by: Steffen deGraaf Group Benefits Consultant, AEC Benefits Introduction Your group benefits plan is more than just an add-on to your salary—it’s a valuable tool that can help you save money, improve your health,
17Feb
Get More Out of Your Dental Benefits—A Must-Read for Every Employee
Introduction Dental care is an essential part of overall health, but it can also be expensive without the right coverage. Many employees assume their group dental benefits plan covers all dental procedures, only to be
06Jan
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 has stood in the way of meaningful support. Today, the conversation is shifting. HR professionals are uniquely positioned to lead
17Feb
Health & Dental Benefits in Ontario: What’s Covered and What’s Not?
Written by: Steffen deGraaf Group Benefits Consultant, AEC Benefits When it comes to health and dental benefits in Ontario, there are plenty of questions surrounding what’s covered, what’s not, and how to maximize available coverage.
17Feb
What Are Group Benefits? A Complete Guide for Ontario Businesses
Helping Employers Attract, Retain, and Support Their Teams Introduction: Why Group Benefits Matter for Ontario Businesses As a business owner in Ontario, you know that your employees are your greatest asset. Offering a competitive group
03Jan
Does the Chambers Plan Cover Ozempic? Here’s What You Need to Know
If you’re exploring group benefits options for your business, you’ve likely heard of the Chambers Plan. It’s marketed as an affordable and accessible solution for small businesses, pooling resources from multiple companies to provide competitive
17Feb
Your Guide to Prescription Drug Coverage and Group Benefits in Ontario
Written by: Steffen deGraaf Group Benefits Consultant, AEC Benefits Introduction Prescription drug coverage is one of the most important aspects of a group benefits plan in Ontario, yet it’s often one of the least understood.
31Dec
Why Mental Health Support is a Must-Have in Employee Benefits Plans
In recent years, mental health has taken center stage in workplace discussions—and for good reason. As employees face increasing stressors both in and out of the workplace, employers are stepping up to provide much-needed support.
06Jan
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.
17Feb
2025 Guide to Group Benefits in Ontario: What’s Changing?
Written by: Steffen deGraaf Group Benefits Consultant, AEC Benefits Group benefits are constantly evolving, and 2025 brings new regulations, tax changes, and industry trends that will impact employers and employees across Ontario. As businesses seek
17Feb
2025 Guide to Group Benefits in Ontario: What’s Changing?
Written by: Steffen deGraaf Group Benefits Consultant, AEC Benefits Group benefits are constantly evolving, and 2025 brings new regulations, tax changes, and industry trends that will impact employers and employees across Ontario. As businesses seek
01Jan
The Ultimate Guide to Choosing the Best Group Plans for Your Business
In today’s competitive job market, offering group plans isn’t just a nice-to-have – it’s a game-changer. Whether you’re running a small team or managing a growing company, group plans can be your secret weapon to
17Feb
What Are Group Benefits? A Complete Guide for Ontario Businesses
Helping Employers Attract, Retain, and Support Their Teams Introduction: Why Group Benefits Matter for Ontario Businesses As a business owner in Ontario, you know that your employees are your greatest asset. Offering a competitive group
16Mar
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 the reimbursement process and making access to healthcare services easier than ever. However, this shift brings challenges such as fraud
29Jan
Does Your Group Benefits Plan Cover Ozempic?
Does Your Group Benefits Plan Cover Ozempic? Written by: Steffen deGraafGroup Benefits Consultant, AEC Benefits Ozempic, a prescription medication used to manage type 2 diabetes and assist with weight loss, has become a frequently discussed
31Dec
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 longer a luxury—it’s a necessity.
19Mar
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 challenge. This guide explores how Ontario construction companies can support their workers (and their spouses) with fertility benefits, parental leave,
03Jan
Does the Chambers Plan Cover Ozempic? Here’s What You Need to Know
If you’re exploring group benefits options for your business, you’ve likely heard of the Chambers Plan. It’s marketed as an affordable and accessible solution for small businesses, pooling resources from multiple companies to provide competitive
03Jan
Chambers Plan vs. Equitable Life’s EZBenefits: Which Group Benefits Solution Is Right for You?
If you’re a small business owner considering the Chambers Plan for your group benefits, it might seem like the go-to solution. After all, it’s marketed as affordable and accessible for smaller companies. But does it
17Feb
Get More Out of Your Dental Benefits—A Must-Read for Every Employee
Introduction Dental care is an essential part of overall health, but it can also be expensive without the right coverage. Many employees assume their group dental benefits plan covers all dental procedures, only to be
12Mar
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 strong, productive and loyal workforce. A well-designed plan reduces turnover, improves job site productivity and complies with Ontario’s labour laws.
31Dec
5 Game-Changing Perks to Elevate Your Group Benefits Plan
Let’s face it—not all group benefits plans are created equal. If you’re a business owner who assumes simply having a plan is enough, it’s time to think again. The right group benefits plan is much
06Jan
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 has stood in the way of meaningful support. Today, the conversation is shifting. HR professionals are uniquely positioned to lead
31Dec
The Hidden Costs of Skipping Group Benefits Plans
Group benefits plans are employer-sponsored programs that provide employees with access to health insurance, dental coverage, wellness programs, and other perks.
25Mar
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 not alone. I’ve sat across from plenty of HR leaders trying to explain these surprises to their CFOs, and usually,
17Feb
Health & Dental Benefits in Ontario: What’s Covered and What’s Not?
Written by: Steffen deGraaf Group Benefits Consultant, AEC Benefits When it comes to health and dental benefits in Ontario, there are plenty of questions surrounding what’s covered, what’s not, and how to maximize available coverage.
31Dec
Why Mental Health Support is a Must-Have in Employee Benefits Plans
In recent years, mental health has taken center stage in workplace discussions—and for good reason. As employees face increasing stressors both in and out of the workplace, employers are stepping up to provide much-needed support.
25Mar
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 HR professionals dreading the entire process. Over the past 20 years, I’ve guided countless HR leaders through insurance transitions, witnessing
28Mar
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 mental health isn’t just important—it’s critical. Employee Assistance Programs (EAPs) can be a lifeline, but only if they’re implemented with
11Apr
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 while controlling costs—critical advantages as Ontario prepares for unprecedented housing
06Jan
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 platforms, virtual counseling, and mental health apps, access to care is more immediate and flexible than ever. For HR teams,
19Mar
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 breaks down the key differences between WSIB and group benefits disability coverage (STD & LTD), explores whether your team needs
06Jan
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.
03Jan
The Chambers Plan vs. Traditional Insurance: Why Larger Teams Deserve Better Options
The Chambers Plan is often promoted as the go-to group benefits solution for small businesses. And while it can be a solid choice for companies with just a handful of employees, it’s far from the
19Mar
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 well-being. HR leaders play a crucial role in reducing stigma and fostering a recovery-friendly workplace. This guide offers real statistics,
Top Questions from HR and Management!
Use our online enrollment tool or contact our support team for guidance.
Employees can use our app to submit claims digitally, ensuring fast processing.
We provide training on benefits administration, claims processes, and app usage.
Update employee information through the portal or contact our team for support.
Log in to the employer portal to access detailed reports and manage the plan.
Yes, we offer a range of wellness initiatives, including fitness reimbursements and mental health programs.
We provide onboarding sessions, digital guides, and app tutorials to educate employees.
HCSAs provide flexibility for employees to cover additional medical expenses not included in the main plan.
Coverage can often be extended during leave, but specific terms depend on the plan.
Yes, you can customize coverage for different roles or departments.
Our team ensures your plan meets all provincial and federal compliance standards.
Yes, we assist with communications, onboarding materials, and employee education.
We offer online guides, webinars, and one-on-one consultations to support HR teams.
Contact our dedicated HR support line or access FAQs in the portal for quick answers.
Top Questions from Employees!
Submit claims through our mobile app or desktop portal by uploading receipts and entering details. Reimbursement is typically processed within a few days.
You can track usage and balances for health, dental, and other benefits through the app in real time.
Yes, use the location services in our app to find nearby practitioners, pharmacies, and specialists covered under your plan.
Vision benefits may include coverage for eyeglasses, contact lenses, and regular eye exams to maintain optimal eye health.
Many plans include mental health services such as therapy or counseling sessions, covered either partially or fully.
An HCSA allows you to use a set allowance for expenses like physiotherapy, vision, or uncovered prescription costs.
Log in to our app or website portal to view plan details, balances, and coverage summaries.
Digital versions of your benefits card are available in the app for easy access at any time.
Reimbursements are often processed within 2-3 business days, depending on the claim type and if you have Banking set up.
Contact the support team through the app or your HR department for assistance in resolving claim issues.
Many plans include coverage for alternative therapies like massage, acupuncture, or chiropractic care.
Most of our plans offer travel insurance for emergencies while you’re abroad; check your policy for details.
Contact your HR department or use the app to connect with a support representative for answers.
Update your information directly in the app or notify your HR department for assistance.
Group Benefits Topics for Employees...
17Feb
How to Maximize Your Group Benefits Plan as an Employee
Written by: Steffen deGraaf Group Benefits Consultant, AEC Benefits Introduction Your group benefits plan is more than just an add-on to your salary—it’s a valuable tool that can help you save money, improve your health,
17Feb
Your Guide to Prescription Drug Coverage and Group Benefits in Ontario
Written by: Steffen deGraaf Group Benefits Consultant, AEC Benefits Introduction Prescription drug coverage is one of the most important aspects of a group benefits plan in Ontario, yet it’s often one of the least understood.
31Dec
Why Mental Health Support is a Must-Have in Employee Benefits Plans
In recent years, mental health has taken center stage in workplace discussions—and for good reason. As employees face increasing stressors both in and out of the workplace, employers are stepping up to provide much-needed support.
12Mar
Ontario Employee Benefits: How to Ensure Your Construction Team Maximizes Their Coverage
Most construction companies invest in Ontario employee benefits to attract and retain employees—but what happens when employees don’t use them? Many skilled tradespeople leave their coverage on the table because they don’t understand their plans
17Feb
Get More Out of Your Dental Benefits—A Must-Read for Every Employee
Introduction Dental care is an essential part of overall health, but it can also be expensive without the right coverage. Many employees assume their group dental benefits plan covers all dental procedures, only to be
29Jan
Does Your Group Benefits Plan Cover Ozempic?
Does Your Group Benefits Plan Cover Ozempic? Written by: Steffen deGraafGroup Benefits Consultant, AEC Benefits Ozempic, a prescription medication used to manage type 2 diabetes and assist with weight loss, has become a frequently discussed
06Jan
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.
29Jan
Does Your Group Benefits Plan Cover Ozempic?
Does Your Group Benefits Plan Cover Ozempic? Written by: Steffen deGraafGroup Benefits Consultant, AEC Benefits Ozempic, a prescription medication used to manage type 2 diabetes and assist with weight loss, has become a frequently discussed
17Feb
Your Guide to Prescription Drug Coverage and Group Benefits in Ontario
Written by: Steffen deGraaf Group Benefits Consultant, AEC Benefits Introduction Prescription drug coverage is one of the most important aspects of a group benefits plan in Ontario, yet it’s often one of the least understood.
17Feb
2025 Guide to Group Benefits in Ontario: What’s Changing?
Written by: Steffen deGraaf Group Benefits Consultant, AEC Benefits Group benefits are constantly evolving, and 2025 brings new regulations, tax changes, and industry trends that will impact employers and employees across Ontario. As businesses seek
03Jan
Does the Chambers Plan Cover Ozempic? Here’s What You Need to Know
If you’re exploring group benefits options for your business, you’ve likely heard of the Chambers Plan. It’s marketed as an affordable and accessible solution for small businesses, pooling resources from multiple companies to provide competitive
31Dec
Why Mental Health Support is a Must-Have in Employee Benefits Plans
In recent years, mental health has taken center stage in workplace discussions—and for good reason. As employees face increasing stressors both in and out of the workplace, employers are stepping up to provide much-needed support.
17Feb
How to Maximize Your Group Benefits Plan as an Employee
Written by: Steffen deGraaf Group Benefits Consultant, AEC Benefits Introduction Your group benefits plan is more than just an add-on to your salary—it’s a valuable tool that can help you save money, improve your health,
17Feb
Health & Dental Benefits in Ontario: What’s Covered and What’s Not?
Written by: Steffen deGraaf Group Benefits Consultant, AEC Benefits When it comes to health and dental benefits in Ontario, there are plenty of questions surrounding what’s covered, what’s not, and how to maximize available coverage.
06Jan
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 has stood in the way of meaningful support. Today, the conversation is shifting. HR professionals are uniquely positioned to lead
17Feb
What Are Group Benefits? A Complete Guide for Ontario Businesses
Helping Employers Attract, Retain, and Support Their Teams Introduction: Why Group Benefits Matter for Ontario Businesses As a business owner in Ontario, you know that your employees are your greatest asset. Offering a competitive group
12Mar
Ontario Employee Benefits: How to Ensure Your Construction Team Maximizes Their Coverage
Most construction companies invest in Ontario employee benefits to attract and retain employees—but what happens when employees don’t use them? Many skilled tradespeople leave their coverage on the table because they don’t understand their plans
17Feb
Get More Out of Your Dental Benefits—A Must-Read for Every Employee
Introduction Dental care is an essential part of overall health, but it can also be expensive without the right coverage. Many employees assume their group dental benefits plan covers all dental procedures, only to be
