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Government of Canada invests in 10 businesses to help them grow
Government of Canada to announce support for green manufacturers
Government of Canada to announce support for Eastern Ontario businesses
Government of Canada investment helps southern Ontario’s agri-food companies scale
Government of Canada investments support AI and tech businesses in Greater Toronto and Hamilton Area
AI and tech businesses in Greater Toronto and Hamilton Area receive Government of Canada investments to scale, bring new products to market
Government of Canada to support scale up of Niagara region business
Government of Canada supports seven Eastern Ontario businesses to scale up and grow
Government of Canada supports new AI Business Catalyst program
Government of Canada celebrates AI and Tech Innovation in Toronto

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.
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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...
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Recent Posts
CMHC MLI Select For Real Estate Developers And Investors
May 2025 presents buyers with their best opportunity in years — Mortgage Sandbox
Government of Canada invests in 10 businesses to help them grow
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Skilled Trades & Workforce Development

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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CMHC MLI Select For Real Estate Developers And Investors
How MLI Select Benefits Real Estate Developers and Investors The Canada Mortgage and Housing Corporation’s
May 2025 presents buyers with their best opportunity in years — Mortgage Sandbox
The persistence of modest price appreciation alongside dramatically increased inventory suggests prices may be vulnerable
Government of Canada invests in 10 businesses to help them grow
FedDev Ontario investment for 10 businesses to develop new products and solutions March 3, 2025
OSFI keeps Domestic Stability Buffer at 3.5% amid persistent risks
The DSB applies to Canada’s six largest banks and requires them to set aside additional
why condos trump houses for buyers — Mortgage Sandbox
Price movements reflect this relative restraint. Benchmark condo prices, at $593,000, have crept up a
Government of Canada to announce support for green manufacturers
March 4, 2025 – Etobicoke, Ontario The Honourable Ruby Sahota, Minister of Democratic Institutions and Minister
What Are Closing Cost | Closing Cost Offer
11 January 2025 By: Sunlite Mortgage What Are Closing Costs? Closing costs are the fees
Rising Bond Yields Threaten Canadian Housing Affordability — Mortgage Sandbox
Canadian homebuyers face mounting pressure as government bond yields surge across developed markets, setting the
Government of Canada to announce support for Eastern Ontario businesses
March 4, 2025 – Kingston, Ontario Mark Gerretsen, Member of Parliament for Kingston and the Islands,
Toronto university gains recognition for sustainable efforts
TMU moved into the 101–200 band. Photo courtesy Toronto Metropolitan University The 2025 Times Higher
Canada’s economy stalls in April, giving BoC more room to ease
Manufacturing took the biggest hit, though a temporary lift from federal election activity and the
Is May 2025 a good time to buy a home in Ottawa? — Mortgage Sandbox
Is May 2025 a good time to buy a home in Ottawa? It depends on

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