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 more than a box to tick off—it’s a strategic tool to attract top talent, enhance employee satisfaction, and streamline your operations.

But what makes a group benefits plan truly exceptional? Here are the top five features every great plan should include. If your current plan doesn’t measure up, it’s time to consider an upgrade.

Income Protection

Life can be unpredictable, and your employees need the security of knowing they’re covered if the unexpected happens. That’s where income protection comes in. Long-term disability insurance and life insurance are critical elements of a great group benefits plan.

These features provide peace of mind for your employees, ensuring they and their families are financially secure in the face of unforeseen circumstances. For you as an employer, income protection helps build loyalty and stability within your team. Employees who feel secure are more likely to stay, reducing turnover and its associated costs.

Comprehensive Health and Dental Coverage

A basic plan that only scratches the surface isn’t enough. Employees want a group benefits plan that supports their health comprehensively, covering a wide range of needs.

The best plans include:

• Prescription medications
• Paramedical services, such as physiotherapy, chiropractic care, and massage therapy
• Preventive dental care, like cleanings and checkups
• Major dental procedures, including crowns and orthodontics

When your employees know they have access to these essential services, they’ll be healthier, less stressed, and more productive.

Wellness Initiatives Employees Love

Wellness programs are no longer optional—they’re a key part of any great group benefits plan. But the key is to offer initiatives that employees genuinely value and use.

Consider including:

• Mental health resources, such as access to counseling or therapy
• Fitness incentives, like gym memberships or reimbursement programs
• Health spending accounts, which give employees flexibility to allocate funds where they need them most

Wellness programs show your team that their overall well-being matters. Happier employees mean a more engaged and motivated workforce.

User-Friendly Apps for Managing Claims

In today’s digital world, no one has time for clunky, outdated systems. The best group benefits plans come with intuitive apps that make managing claims quick and painless.

These apps allow employees to:

• Submit claims easily
• Check their coverage and balances in real-time
• Track their usage and plan limits

By giving employees the tools to manage their benefits effortlessly, you reduce frustration and cut down on administrative questions—saving everyone time and energy.

Transparent and Predictable Costs

When it comes to costs, surprises are the last thing you want. A great group benefits plan is built on transparent pricing and predictable expenses, so you can budget with confidence.

At AEC Benefits, we pride ourselves on clear communication. We ensure you understand your plan, its costs, and any potential adjustments well in advance. No hidden fees, no surprises—just a straightforward approach to help you manage your business effectively.

Does Your Group Benefits Plan Measure Up?

If your current group benefits plan doesn’t include these essential features, it’s time to reconsider what’s possible. A great plan isn’t just a nice-to-have—it’s a game-changer for your business, helping you retain top talent, boost employee morale, and create a thriving workplace culture.

Curious if your current plan checks all the boxes? Contact AEC Benefits for a comparison and let’s design a plan that works for you and your team!