Benefits Cost Estimator
This tool is built for quick planning. It gives you a realistic premium range per employee, a likely plan tier, and a cleaner next step before you ask for a formal quote.
Direct answer
The point of this estimator is not to pretend a quote can be reduced to one number. The point is to give employers a better starting range so they can ask smarter questions.
All or most employees are covered individually with no spouse or children on the plan.
Field and office mix with disability and retention pressure.
Optional. Use it to email this estimate to AEC Benefits for a real quote conversation.
Estimated monthly premium per employee
Approximate annual range per employee: $1,944 to $2,760
Based on single employees (no dependants). Single coverage starts at $162–$230/mo per employee.
Recommended starting tier
Gold
This is the tier that most closely matches the workforce size, trade profile, and overall budget pressure selected above.
Planning note
The estimator is directional. Actual pricing still depends on age mix, family mix, coverage choices, disability structure, and carrier appetite.
Positioning note
AEC Benefits builds custom benefit solutions for incredible companies. The goal is a well-designed solution that helps attract and retain top talent, not just a plan that checks the boxes.
Related Pages
Frequently Asked Questions
Is this a quote?
No. This is a ballpark planning tool designed to help you think in realistic ranges before a proper quote and plan design review.
Why does trade type matter?
Because workforce mix, physical demands, disability exposure, and retention pressure affect what a practical plan design usually needs to look like.
What should I do after I see my estimate?
Use the result as a planning range, then request a custom quote so the structure can be matched to your actual team and priorities.
Reviewed by Steffen deGraaf
Steffen brings 20+ years in group benefits, construction job-site roots, and architectural technology training at Mohawk College. FSRA regulated insurance broker specializing in Ontario group benefits.
Ontario Insurance
Ontario construction benefits experience
Construction is in Steffen's blood: job sites as a teenager, architectural technology at Mohawk College, and 20+ years in group benefits for Ontario employers.
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Want the real quote behind the estimate?
AEC Benefits can turn the planning range into a real quote and show you how the structure would look for your workforce.