Choose Your Perfect Benefits Plan

Covers prescription drugs, physiotherapy, massage therapy, chiropractic, vision care, and other paramedical services not covered by OHIP. For construction workers this is often the most-used benefit — especially prescription coverage for pain management and physiotherapy after on-site injuries.

Basic dental (cleanings, fillings, extractions) is included in most plans. Enhanced plans add major dental (crowns, bridges) and orthodontics. Dental is consistently rated as one of the top reasons employees stay with an employer — and one of the easiest benefits to justify to your team.

Replaces a portion of an employee's income (typically 60–70%) if they cannot work due to illness or injury. For trades workers — carpenters, electricians, HVAC technicians — short-term disability is critical. A sprained back or broken wrist can take a worker off the job for weeks, and STD keeps them financially stable while they recover.

Kicks in after short-term disability ends — usually at 17 or 26 weeks — and can cover an employee for years or until age 65. LTD is the most important financial protection for your team and often the most undervalued. Construction workers face above-average injury risk, and a serious accident can end a career. LTD ensures that doesn't also end their financial security.

Group life insurance provides a lump-sum payment to an employee's family if they pass away while employed. Critical illness coverage pays out on diagnosis of serious conditions like cancer, heart attack, or stroke. Both are typically low-cost to add to a plan and carry significant perceived value with employees — especially those with families.

Access to confidential counselling, mental health support, financial advice, and legal resources for employees and their families. EAPs are included at no extra cost in most group plans. In the construction industry — where mental health challenges and substance use issues are significantly above average — an EAP can be one of the most impactful parts of your plan.

Emergency medical coverage when employees travel outside Ontario or Canada. Most group plans include a standard travel benefit automatically. For employees who travel for work, take vacations, or have family across the border, this coverage fills a gap that Ontario's provincial health plan doesn't cover after 3 months out of province.

Ontario's Workplace Safety and Insurance Board (WSIB) covers workplace injuries for most construction employees — but it does not replace a group benefits plan. We design plans that complement your WSIB obligations without duplicating them, so you're not paying twice for the same coverage and your employees understand what each program covers.

Many plans include health spending accounts (HSAs) or wellness spending accounts that employees can use for gym memberships, ergonomic equipment, smoking cessation, or other health-related expenses. These flexible accounts are increasingly popular with younger workforces and cost-effective for employers to offer.