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VALUE TO THE EMPLOYER:
Premiums paid by the Employer are tax deductible as a
business expense
Cost effective protection for employees and their families
Establishes a company policy on health and sickness
Flexible offering meets client’s needs and pocketbook
Benefits foster a healthy workforce and consequently improve
employee morale, productivity and efficiency
Adding a Benefits plan helps the Employer to retain and attract
good employees
VALUE TO THE EMPLOYEE:
Employer pays part or all of the cost
Adds financial security for the employee’s family
Some group life and disability contracts allow conversion
to individual/personal contracts without medical evidence
No need to use after-tax money to purchase various types
of insurance policies
Usually doesn’t require medical evidence
Insurance is less expensive to obtain through a group plan
than in the individual insurance market
Access to products that might not be available individually
EMPLOYEE RETENTION BENEFITS:
Solutions for:
Life Insurance
Accidental Death & Dismemberment (AD&D)
Optional Life Insurance
Optional Accidental Death & Dismemberment (AD&D)
Dependent Life Insurance
Long Term Disability
Short Term Disability
Critical Illness Insurance
Extended Health Programs:
Prescription Drug Plans
Paramedical Services
Hospital Care
Travel Insurance
Vision Care
Survivorship Benefits
Private Duty Nursing
Out of Country Referrals
Cost Plus
Funding:
Fully Insured Plans
Administrative Services Only (ASO)
Third Party Administration (TPA) Health
Spending Account (HSA)
Personal Spending Accounts (PSA/TSA)
Pension & RSP Plans
Dental Programs:
Preventative
Maintenance
Restorative
Orthodontics
Cost Plus
www.sammacdonald.ca
Benefits & Retention British Columbia
and Ontario
[email protected]
778.989.5508
To book an
Appointment
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for other Business Owner solutions visit:
FREE EMPLOYEE FINANCIAL PLANNING:
One-on-One Financial Security advice - for life
Wealth Accumulation and investment management
Risk management - Income & Life insurance
Mortgage, RRSP, IPP, TFSA, Cryptocurrency advice
Leverage Loans for investment purposes
Estate planning and Tax sheltering
YOUR Independent Advisor team of investment
and insurance specialists have relationships with
many of the Canadian carriers. We offer creative
and accurate solutions to further strengthen our
partnership with you, and your relationship with
your employees.
Our knowledge, experience and carrier relations
offer ‘purchasing power’ and expertise to provide
creative ideas, RSP & Pension programs, small or
complex benefits solutions.
OUR SERVICES INCLUDE:
Group Benefit Services:
 Negotiating and leveraging directly with Group Carrier
partners
 Providing solutions for your employee group benefit
needs
 Ensuring we match your needs with the best carrier fit
 Doing the ‘heavy lifting’ so you can focus on your core
business
 Comparative plan design analysis and advice
 Competitive and Custom marketplace proposals
 Complete renewal management including renewal
pricing negotiations
 Health and dental cost containment strategies
 Health and Personal Spending Accounts/Trusts
 Advice and set up of Defined Benefit and Defined
Contribution Plans
 Consultation on Profit Sharing and Share Option Plans
 Free Employee Individual Financial Planning