Build a Stronger Workplace Through Better Benefits
Group benefits can help attract talent, improve retention, support employee wellness, and strengthen your overall compensation strategy.
Explore Benefits Planning →Where is your business starting?
Choose the next step that matches your team’s benefits needs.
Benefits Are More Than Insurance
A well-designed benefits plan supports employees while helping employers remain competitive in attracting and retaining quality people.
Employee Attraction
Help position your company as an employer of choice.
Employee Retention
Support long-term employee loyalty and engagement.
Employee Wellness
Support physical, mental, and financial wellbeing.
Productivity
Healthy employees often lead to stronger workplace performance.
Tax Efficiency
Benefits can often be delivered in a tax-efficient manner.
Not Sure Where to Start?
Review your current plan, employee needs, and budget objectives.
Review My Benefits →Is your upcoming renewal still competitive?
Before accepting the renewal, understand what is driving the pricing—and whether you should stay, negotiate, modify or test the market.
Compare monthly and annual costs across two renewal scenarios.
Compare your current plan with two alternatives—costs, coverage and questions to clarify.
Employer planning tool • From Information to Action
Know your renewal date. Plan your next step.
Turn your group benefits renewal date into a practical preparation plan, with suggested milestones, a document checklist and questions tailored to your main concern.
Enter your renewal date and review priority to build your roadmap. No employee or medical information is needed.
Build My Renewal Roadmap →Free planning aid. Suggested preparation dates are not insurer notice deadlines.
Build a Benefits Plan That Fits Your Team
Group benefits plans can be customized based on workforce demographics, budget, industry, and company objectives.
Extended Health Care
Coverage for prescription drugs, paramedical practitioners, vision care, medical supplies, and more.
Dental Coverage
Preventive, basic, major restorative, and orthodontic benefits depending on plan design.
Group Life Insurance
Financial protection for employees and their families through employer-sponsored coverage.
Disability Coverage
Short-term and long-term disability plans help protect employee income during illness or injury.
Critical Illness
Optional protection providing lump-sum benefits following certain serious illnesses.
Health Spending Accounts
Flexible employer-funded accounts allowing employees to claim eligible healthcare expenses.
Wellness Programs
Support employee wellbeing through wellness spending accounts and health initiatives.
Employee Assistance Programs
Confidential counselling and support services for employees and family members.
Travel Insurance
Emergency medical coverage for employees travelling outside their home province or country.
Which Benefits Matter Most?
Every organization is different. Review your employee demographics, budget, and objectives to determine the right mix of benefits.
Explore Plan Options →Estimate Your Group Benefits Budget
Use this simple estimator to understand how employee count, monthly budget, and employer contribution level may affect the cost of a group benefits plan.
Plan Budget Inputs
Estimated Plan Budget
Educational estimate only. Actual group benefits pricing depends on carrier, plan design, demographics, industry, claims experience, province, participation, underwriting, and renewal history.
Is Your Group Benefits Renewal Still Competitive?
Renewal increases, claims experience, employee needs, and plan design should be reviewed before simply accepting the next renewal.
Claims Analysis
Review claims trends, usage patterns, pooling charges, and cost drivers.
Market Comparison
Compare your current renewal against other carrier options where appropriate.
Plan Design Review
Assess deductibles, coinsurance, maximums, eligibility, cost sharing, and coverage levels.
Cost Containment
Identify ways to manage costs without unnecessarily reducing employee value.
Employee Feedback
Consider whether the current plan still reflects employee needs and expectations.
Need a Renewal Review?
Upload or share your renewal package for a second opinion before accepting the increase.
Request Renewal Review →Watch & review • Employer benefits planning
Is Your Current Group Benefits Plan Still Competitive?
A competitive benefits plan should make sense for your employees and your business. Watch our video, then use this checklist to review coverage, costs, employee value, and service before deciding what to keep or change.
Watch the benefits competitiveness video on YouTube
Your Employer Review Checklist
Tick items as you prepare. Selections are temporary and are not submitted or saved.
Look at Three Parts Together
Relevant coverage, understandable benefits, and access to support.
A budget and contribution arrangement your business can sustain.
Usage trends, administration, service, and renewal conditions.
A lower premium can come with different coverage or funding terms. Compare the full arrangement before choosing.
Bring These to Your Review
Your current benefit booklet, renewal package, premium breakdown, available aggregate claims reports, employee counts by coverage category, contribution arrangement, and a summary of general employee feedback.
Questions to Ask
Educational information, reviewed October 4, 2026. Recommendations depend on your workforce, budget, plan terms, claims experience, carrier availability, and underwriting. A review does not guarantee savings or equivalent replacement coverage.
Related resource: Explore the GMFSI Group Benefits Renewal Review. Further reading: BDC: Finding the right mix of salary and benefits.
Continue Your Planning
Reviewing your employee benefits plan? Use these resources to prepare for your employer benefits review.
Next Step
Discuss your current plan, renewal timing, and review priorities in a short conversation.
Book a Clarity CallContinue learning: Explore more videos and checklists.
Watch & review • Employer spending accounts
Health Care Spending Accounts: Could an HCSA Fit Your Business?
A Health Care Spending Account can provide employees with an employer-funded allocation for eligible healthcare expenses, subject to the plan’s rules. Watch our video, then review the funding, eligibility, administration, and tax questions before deciding whether it fits your team.
Watch the HCSA video on YouTube
Your HCSA Employer Checklist
Tick items as you prepare. Selections are temporary and are not submitted or saved.
Read the Full HCSA Guide
For a fuller explanation of eligibility, expenses and plan considerations, read our guide: What Is an HCSA? Health Care Spending Accounts in Canada →
HCSA or Wellness Spending Account?
The names can sound similar, but the arrangements serve different purposes. An HCSA focuses on eligible healthcare expenses. A wellness or personal spending account may cover other items and have different tax treatment. Confirm the exact plan rather than relying on its name.
Qualifying private health services plan benefits are generally not taxable to employees federally; provincial treatment can differ, including in Quebec. The arrangement must meet the applicable requirements. Confirm owner or shareholder eligibility and business deductibility with your accountant.
Questions Before Setting Up the Account
Bring These to Your Review
Your current benefits summary, employee counts by eligibility class, proposed budget, general employee feedback, and any administrator proposal.
Educational information, reviewed October 4, 2026. Eligibility, expense reimbursement, funding, and tax treatment depend on the arrangement and applicable rules. An HCSA allocation does not provide unlimited coverage and is not equivalent to every insured benefit.
Further reading: CRA: Private health services plans and medical benefits · Sun Life: Health and personal spending accounts.
Could an HCSA Fit Your Benefits Plan?
Bring your checklist questions to GMFSI. Discuss your budget, employee needs, existing coverage and the administration of a proposed arrangement.
Discuss an HCSA With GMFSI →ASO: Understand the Funding Responsibilities
Administrative Services Only arrangements separate benefits administration from the employer’s funding responsibilities. Watch this GMFSI video, then use the questions below to prepare for a review.
Your ASO Employer Review Checklist
- Clarify the arrangement. Which benefits would be employer-funded, and which would remain insured? Who administers each benefit?
- Review the full cost. Ask about claims funding, administration fees, applicable taxes, deposits and reconciliation.
- Test your cash-flow capacity. How would higher-than-expected claims affect the business? What funding and reserve arrangements apply?
- Examine any stop-loss protection. Confirm thresholds, covered claims, exclusions, limits and the risks retained by the employer.
- Compare implementation and exit terms. Review employee communication, reporting, privacy, outstanding claims and termination obligations.
Would an ASO Review Be Useful?
Discuss your current plan, available claims experience, budget and tolerance for funding uncertainty with GMFSI.
General educational information only. ASO is not automatically less expensive or suitable for every employer. Funding obligations and any stop-loss protection depend on the specific contracts. Obtain a full proposal and professional review before changing arrangements.
Continue Your Planning
Considering a Health Care Spending Account? Use these resources to prepare your employer planning questions.
Next Step
Discuss your benefits budget, employee needs, and HCSA questions in a short conversation.
Book a Clarity CallContinue learning: Explore more videos and checklists.
Watch & review • Workplace retirement savings
Group RRSPs: Helping Your Employees Save for Retirement
A group RRSP can make regular retirement saving easier through payroll deductions. An employer may also choose to contribute or match employee contributions. Watch our video, then use the checklist to review the budget, plan rules, payroll process, and employee support.
Watch the Group RRSP video on YouTube
Your Group RRSP Employer Checklist
Tick items as you prepare. Selections are temporary and are not submitted or saved.
Three Decisions Before You Launch
Choose a sustainable contribution or matching approach and confirm the full employer cost.
Agree on enrolment, contribution-room confirmation, payroll remittances, and reporting responsibilities.
Provide clear plan information and ongoing education about contributions, investments, fees, and access.
Employer RRSP contributions are generally a taxable employment benefit. An employee may claim an RRSP deduction when eligible and within their deduction limit. Payroll withholding depends on the arrangement and applicable conditions; confirm the process with your payroll provider and accountant.
Questions to Ask Before Choosing a Plan
Bring These to Your Review
Your employee count and eligibility classes, payroll frequency, proposed annual budget, current retirement-plan details if applicable, and any provider proposal. Use aggregate information for the initial employer discussion.
Educational information, reviewed October 4, 2026. Contributions, access, fees, tax treatment, and investments depend on the plan and individual circumstances. Investment returns are not guaranteed.
Further reading: CRA: Employer contributions to savings and pension plans.
Could a Group RRSP Fit Your Workplace?
Bring your checklist questions to GMFSI. Discuss your goals, budget, contribution approach, payroll arrangements and the support your employees would need.
General educational information only. Plan availability, contributions, fees and investment options depend on the arrangement. Review implementation with the appropriate provider, payroll and tax professionals.
Continue Your Planning
Considering a Group RRSP for your team? Use these resources to prepare for your workplace retirement planning conversation.
Next Step
Discuss your employer goals, contribution budget, and Group RRSP questions in a short conversation.
Book a Clarity CallContinue learning: Explore more videos and checklists.
Benefits Strategies for Owners & Key Employees
Business owners and executives often have unique planning needs that go beyond traditional employee benefits plans.
Executive Health Coverage
Enhanced health and dental protection for owners and key employees.
Owner Disability Planning
Protect personal income and business cash flow if illness or injury prevents you from working.
Key Person Protection
Help protect the business from the loss of an owner, executive, or critical employee.
Shareholder Protection
Support business continuity through buy-sell and succession planning strategies.
Critical Illness Planning
Provide financial flexibility during recovery from a serious illness.
Retirement Planning Integration
Coordinate corporate planning, investments, benefits, and retirement objectives.
Health Spending Accounts
Tax-efficient reimbursement of eligible healthcare expenses through the corporation.
Advanced Retirement Strategies
Explore planning opportunities for incorporated professionals and business owners.
Executive Benefits Review
Review executive coverage, owner protection, tax efficiency, and long-term planning opportunities.
Review Executive Strategy →How Competitive Is Your Benefits Strategy?
Answer a few questions to identify opportunities for improvement and determine whether a benefits review may be worthwhile.
Benefits Assessment
Assessment Results
Ready to Explore Your Options?
Receive a complimentary review of your current benefits plan or request a proposal for a new plan.
Get My Group Benefits Quote →Prepare for your next step with free planning checklists to save or print. No sign-up required.
Browse Free Checklists →Common Employer Questions
Open a question for a short answer, then explore the related video, guide, or employer checklist.
How do I know whether my benefits plan is still competitive?
Compare the plan design, employee needs, service, and total cost. Review renewal information and the differences between options rather than comparing premiums alone.
What should I review before accepting a renewal?
Gather the renewal package, current coverage, employee information, and available claims experience. Ask what explains any increase and whether plan changes or a market comparison would be useful.
Could an HCSA fit my business?
Review the employee group, budget, eligible expenses, administration fees, and account rules. Confirm the proposed structure and tax treatment with the administrator and your accountant before setting it up.
Is an HCSA the same as a full insured benefits plan?
Compare what each arrangement covers, its funding limits, and how claims are paid. An HCSA and insured coverage have different structures; review where they overlap and what protection would remain outside the proposed arrangement.
What should we decide before offering a Group RRSP?
Clarify employee eligibility, employer contributions or matching, the budget, payroll administration, fees, and employee communications. Ask how employee contribution room and account rules will be addressed.
What information should I bring to a benefits review?
Bring your current plan summary, premiums, renewal date, available claims information, and employee group details. Include your budget, hiring plans, and any recurring employee feedback.
General Canadian financial education. Eligibility, coverage, fees, and administration depend on the provider and plan. Confirm tax and payroll treatment with your accountant.
Planning & Strategy Centres
Explore GMFSI planning resources for retirement, investments, insurance, group benefits, estate planning, government benefits, and financial decision-making.
Know Where You Stand Before You Retire
Estimate your CPP, OAS, GIS, retirement income, and potential income gap in just a few minutes. Receive a personalized Retirement Readiness Score with practical next steps to help you retire with confidence.
Start My Retirement Income Estimate →
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Uncover gaps, risks, and planning opportunities you may be missing.
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Frequently Asked Questions
💬 What is a Strategy Session?
It is a focused 60-minute conversation to review your goals, current situation, and planning opportunities.
👤 Who is this session for?
It is ideal for individuals, families, professionals, retirees, and business owners who want a deeper planning conversation.
📌 Is there a cost?
This can be used as an introductory strategic planning conversation. You can decide next steps after the session.
📝 How should I prepare?
Bring your questions, goals, concerns, and any key financial details you would like to discuss.
What Happens Next?
A simple, guided process from start to finish.
Schedule
Choose a time that works best for you.
Consultation
Meet for a focused 60-minute strategy session.
Strategy Plan
Receive personalized direction and recommendations.
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Protect • Grow • Preserve
Guiding Your Financial Journey with Trust & Clarity.
Protect What Matters Most
Explore our specialized insurance solutions designed to help protect your family, income, health, business, and financial future.
Life Insurance
Protect your family's financial future with term, permanent, universal, and participating life insurance solutions.
Explore →Disability Insurance
Help protect your income if illness or injury prevents you from working.
Explore →Critical Illness
Receive a tax-free lump sum to help manage the financial impact of a covered critical illness.
Explore →Health & Dental
Individual health, prescription drug, dental, vision, and paramedical coverage.
Explore →Travel Insurance
Emergency medical, trip cancellation, visitors to Canada, and snowbird travel protection.
Explore →Business Insurance
Key person, buy-sell funding, business overhead expense, and succession planning solutions.
Explore →What Could Your Savings Provide in Retirement?
Explore how your current savings, ongoing contributions, investment return and retirement timeline may shape your future portfolio and potential retirement income.
- ✓ Project your future savings
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- ✓ Compare inflation-adjusted values
Gain confidence before making
your next financial decision.
Whether you’re planning for retirement, investing for the future, protecting your family, or simply looking for greater financial clarity, every successful plan begins with one conversation.
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Select the planning area that best matches your current needs and begin with a focused, confidential assessment.
Every form is interactive, confidential, and followed by a personalized review from Green Mountain Financial Services Inc.
Partners & Carriers We Work With
Independent access to multiple leading insurers across Canada.
Visit Assumption Life
Visit Foresters Financial
Visit Humania Assurance
Visit Canada Protection Plan
Visit Industrial Alliance
Visit Sun Life Financial
Visit Desjardins Financial Security
Visit Canada Life
Visit Empire Life
Visit RBC Insurance
Visit Equitable Life of Canada
Visit Manulife Financial
Visit Beneva Insurance
Visit Green Shield Canada
Visit Assumption Life
Visit Foresters Financial
Visit Humania Assurance
Visit Canada Protection Plan
Visit Industrial Alliance
Visit Sun Life Financial
Visit Desjardins Financial Security
Visit Canada Life
Visit Empire Life
Visit RBC Insurance
Visit Equitable Life of Canada
Visit Manulife Financial
Visit Beneva Insurance
Visit Green Shield Canada
Stay Connected With GMFSI
Continue learning about retirement, insurance, investments and employee benefits. Watch GMFSI’s educational videos on YouTube and follow Madhu Shukla, CFP®, EPC, on LinkedIn for planning insights and updates.
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