For employers

See Below For Group Benefits, Explained in Plain Language

Good people stay where they're looked after. A group benefits plan is one of the most cost-effective ways to attract and keep them.

Safe Driver Health & Dental Group Coverage Health Spending Account

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What are group benefits?

Who it's a fit for

Group coverage provides shared health, dental and related benefits for your employees — spreading risk across the team so coverage costs less per person than individual plans, while signalling that you invest in your people.

Best suited for: Small and mid-sized businesses that want to attract good people, reduce turnover, and offer a total package beyond salary.

What a group plan can include

We work with several carriers, each with different strengths — plan design is matched to your team and confirmed together.

Core life & health coverage

What it includes: Group life and accidental death & dismemberment, extended health, dental, and often an employee assistance program.

Best for: Any team where benefits are part of attracting and keeping good people.

Income protection

What it includes: Short- and long-term disability coverage for the team, plus optional coverage for dependants.

Best for: Employers who want their people protected when illness or injury takes them off work.

Pooled benefits

What it includes: For smaller teams, pooled arrangements spread the risk of high-cost drug claims so one expensive claim does not destabilize your renewal. Several carriers specialize in exactly this.

Best for: Small businesses and professional firms — often the single biggest factor in keeping premiums predictable.

Spending account add-ons

What it includes: Health and wellness spending accounts (on the myHSA platform) can sit alongside a traditional plan or replace parts of it.

Best for: Employers who want flexibility and budget control without giving up core protection.

What it can do for you

✓Health, dental and related benefits for your team
✓A powerful recruiting and retention tool — often cheaper than raises
✓Plan design that scales with your team and budget
✓Can be complemented by a Health Spending Account for added flexibility

Good to know

• Participation and eligibility rules apply — they vary by carrier and team size
• Cost-sharing between employer and employee is a design choice we make together
• As an independent advisor, I compare options across carriers rather than sell one company's plan

General information, not personal advice — details, eligibility and pricing depend on the insurer and the specific product, and are confirmed before anything is recommended.

Book a conversation

Let's talk about how you can protect and grow what YOU want.

Tell me about your team and I'll come back with plan options and honest cost expectations — no cost, no obligation.

✓ Your goals
✓ Protection, investments and your tax picture
✓ I will support you and provide you with honest advice at every stage of your journey
✓ If retirement planning is important to you, let's map out a plan

Lavern Rankin is a Senior Partner with Eau Claire Partners — a full-service financial advisory firm helping Canadians build, protect and transfer their wealth with confidence.

Learn more about Eau Claire Partners