Question 1

How Do I Submit a Claim?

Accepted Answer

Submit claims through our mobile app or desktop portal by uploading receipts and entering details. Reimbursement is typically processed within a few days.

Question 2

How Can I Check My Benefits Usage?

Accepted Answer

You can track usage and balances for health, dental, and other benefits through the app in real time.

Question 3

Can I Find Healthcare Providers Using the App?

Accepted Answer

Yes, use the location services in our app to find nearby practitioners, pharmacies, and specialists covered under your plan.

Question 4

What Are Vision Benefits?

Accepted Answer

Vision benefits may include coverage for eyeglasses, contact lenses, and regular eye exams to maintain optimal eye health.

Question 5

Are Mental Health Services Covered?

Accepted Answer

Many plans include mental health services such as therapy or counseling sessions, covered either partially or fully. Learn more: Top 5 Mental Health EAP Providers in Canada.

Question 6

What Is a Health Care Spending Account (HCSA)?

Accepted Answer

An HCSA allows you to use a set allowance for expenses like physiotherapy, vision, or uncovered prescription costs. See all our benefits plans that include HCSA options.

Question 7

How Do I Access My Benefits Information?

Accepted Answer

Log in to our app or website portal to view plan details, balances, and coverage summaries.

Question 8

What Happens If I Lose My Benefits Card?

Accepted Answer

Digital versions of your benefits card are available in the app for easy access at any time.

Question 9

How Long Does It Take to Get Reimbursed for a Claim?

Accepted Answer

Reimbursements are often processed within 2-3 business days, depending on the claim type and if you have Banking set up.

Question 10

What Should I Do If My Claim Is Denied?

Accepted Answer

Contact the support team through the app or your HR department for assistance in resolving claim issues.

Question 11

Can I Use My Benefits for Alternative Therapies?

Accepted Answer

Many plans include coverage for alternative therapies like massage, acupuncture, or chiropractic care.

Question 12

Is Travel Insurance Included in My Benefits?

Accepted Answer

Most of our plans offer travel insurance for emergencies while you're abroad; check your policy for details.

Question 13

What Should I Do If I Have Questions About My Plan?

Accepted Answer

Contact your HR department or use the app to connect with a support representative for answers.

Question 14

How Do I Update My Personal Information?

Accepted Answer

Update your information directly in the app or notify your HR department for assistance.

Question 15

Why Should I Offer Group Benefits?

Accepted Answer

Group benefits help attract and retain talent, improve employee satisfaction, and reduce turnover. In the competitive construction industry, offering quality benefits is essential for keeping your best workers. Learn more: Best Group Benefits Plans for Small Businesses or try our Raise vs. Benefits Calculator.

Question 16

How Much Will Group Benefits Cost My Business?

Accepted Answer

Costs depend on factors like company size, coverage levels, and employee demographics. We provide tailored quotes based on your specific needs and budget. Read our detailed guide: How Much Do Group Benefits Cost for a 10-Person Company? or get your free quote.

Question 17

What Is the Process for Setting Up Group Benefits?

Accepted Answer

Our experts guide you from selecting a plan to onboarding employees, ensuring a smooth setup. We handle all the paperwork and coordination with insurers. Ready to get started? Get your free quote or explore our plan options first.

Question 18

How Can I Save Money on Group Benefits?

Accepted Answer

Strategies include negotiating competitive rates through our direct insurer relationships, offering HCSAs for tax efficiency, and selecting tailored coverage options that match your workforce needs. See our guide: 7 Ways to Cut Your Group Benefits Costs or use our Benefits Blueprint to optimize your plan.

Question 19

Are Group Benefits Tax Deductible?

Accepted Answer

Yes, premiums paid for group benefits are typically tax-deductible as a business expense in Canada. This makes benefits more affordable than many business owners realize. Read more: Tax Benefits of Offering Group Benefits.

Question 20

Can I Offer Different Plans to Different Employees?

Accepted Answer

Yes, plans can be customized based on roles or seniority, such as enhanced coverage for management or different options for office vs. jobsite workers. See our available plan tiers or use the plan comparison tool to explore your options.

Question 21

What Happens If My Company Grows?

Accepted Answer

Your plan can scale with your business, accommodating new employees or expanding coverage. We work with you to adjust your benefits as your team grows.

Question 22

Can I Transition from My Current Benefits Provider?

Accepted Answer

Yes, we handle the entire transition process, making it seamless for you and your employees. There's no disruption to coverage during the switch.

Question 23

What's the Benefit of Offering Wellness Programs?

Accepted Answer

Wellness programs improve employee health and productivity while reducing absenteeism. Healthier employees mean lower costs and better performance on the jobsite. Learn how EAPs support mental health and wellness: Why Construction Workers Need EAPs.

Question 24

How Long Does It Take to Implement a New Plan?

Accepted Answer

Most plans are implemented within a few weeks, depending on complexity. We prioritize quick setup without sacrificing quality.

Question 25

What Are the Tax Benefits of Group Benefits?

Accepted Answer

Employer-paid premiums are non-taxable benefits for employees in most provinces, making them more valuable than equivalent salary increases. Read the full breakdown: Tax Benefits of Offering Group Benefits.

Question 26

How Are Premiums Calculated?

Accepted Answer

Premiums are based on factors like employee demographics, plan design, and claims history. We provide transparent pricing with no hidden costs. See a line-by-line breakdown of a real benefits quote or read our complete pricing guide.

Question 27

What Support Do You Provide for Claims and Questions?

Accepted Answer

We offer ongoing support for you and your employees through our app and dedicated customer service team. You're never alone in managing your benefits. Contact us directly or call (905) 320-4123 anytime.

Question 28

How Do I Get a Quote for Group Benefits?

Accepted Answer

Complete our online quote form or contact us directly at (905) 320-4123 for a personalized consultation. We'll provide a custom quote based on your specific needs. You can also try our Benefits Blueprint first to understand your team's priorities.

Question 29

How Do I Enroll New Employees in the Plan?

Accepted Answer

Use our online enrollment tool or contact our support team for guidance. The process is streamlined and takes just minutes per employee.

Question 30

How Can Employees Submit Claims?

Accepted Answer

Employees can use our app to submit claims digitally, ensuring fast processing. Mobile submission makes it convenient for workers in the field.

Question 31

What Training Do You Offer for HR Teams?

Accepted Answer

We provide training on benefits administration, claims processes, and app usage. Your HR team will be fully equipped to support employees.

Question 32

How Do I Add or Remove Employees from the Plan?

Accepted Answer

Update employee information through the portal or contact our team for support. Changes are processed quickly and efficiently.

Question 33

How Do I Access Plan Details and Usage Reports?

Accepted Answer

Log in to the employer portal to access detailed reports and manage the plan. Track usage, costs, and employee engagement in real-time.

Question 34

Can I Offer Wellness Programs Through the Plan?

Accepted Answer

Yes, we offer a range of wellness initiatives, including fitness reimbursements and mental health programs. These can be customized to your workplace culture.

Question 35

How Can I Ensure Employees Understand Their Benefits?

Accepted Answer

We provide onboarding sessions, digital guides, and app tutorials to educate employees. Clear communication ensures better utilization and satisfaction.

Question 36

What Is the Role of a Health Care Spending Account (HCSA)?

Accepted Answer

HCSAs provide flexibility for employees to cover additional medical expenses not included in the main plan. They're tax-efficient and highly valued by employees.

Question 37

What Happens If an Employee Goes on Leave?

Accepted Answer

Coverage can often be extended during leave, but specific terms depend on the plan. We help you navigate these situations seamlessly.

Question 38

Can We Customize Benefits Based on Employee Groups?

Accepted Answer

Yes, you can customize coverage for different roles or departments. This is especially useful for construction companies with office and field staff.

Question 39

What Are the Compliance Requirements for Group Benefits?

Accepted Answer

Our team ensures your plan meets all provincial and federal compliance standards. We handle the regulatory complexity so you don't have to.

Question 40

Can I Get Support During Open Enrollment?

Accepted Answer

Yes, we assist with communications, onboarding materials, and employee education during enrollment periods. Reach out to our team to plan your enrollment rollout.

Question 41

What Resources Are Available for HR Professionals?

Accepted Answer

We offer online guides, webinars, and one-on-one consultations to support HR teams. You have access to expert help whenever you need it. Explore our benefits resource blog or try our Benefits Blueprint tool to assess your team's needs.

Question 42

How Do I Get Help With Employee Questions?

Accepted Answer

Contact our dedicated HR support line or access FAQs in the portal for quick answers. We respond promptly to keep your team supported.

Frequently Asked Questions