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Gro.up Ben.e.fits

/ɡro͞op benəfit/

Employee perks provided by businesses, such as health insurance, retirement plans, and dental coverage. Used to attract and retain talent, improve employee satisfaction, and enhance the overall well-being and productivity of their workforce.

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Top Benefits Provided 

Dental

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Most often used to cover dental check-ups, cleanings, fillings, root canals, and other dental procedures.

Vision

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Typically covers eye exams, prescription glasses, contact lenses, and other eye-related expenses.

Paramedical

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Encompass services provided by healthcare professionals  such as chiropractors, physiotherapists, massage therapists, and other specialized therapies or treatments

Health

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Offering coverage for medical expenses. This can include doctor visits, hospital stays, prescription drugs, and various medical treatments. 

Smart Employers Choose
Group Benefits – Here's Why

  • Attract and Retain Talent: Group benefits, such as health insurance and retirement plans, attract top talent and enhance employee retention in a competitive job market, showcasing a commitment to their well-being.

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  • Enhance Employee Satisfaction: Offering benefits like health insurance and dental coverage boosts overall job satisfaction. Access to healthcare and financial protection leads to happier, more focused employees.

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  • Improve Employee Health: Health-related benefits encourage regular check-ups and early intervention, resulting in healthier, more productive employees who take fewer sick days and experience fewer long-term health issues.

Frequently Asked Questions

Feeling puzzled? Our advisors have the pieces for you to see the big picture.
  • How much life insurance do I need?
    The amount of life insurance you need depends on your individual circumstances, including your financial obligations and goals. A common rule of thumb is to have coverage equal to 5-10 times your annual income, but a more accurate assessment considers your debts, expenses, and future financial needs.
  • How do I choose the right life insurance policy?
    Choosing the right policy involves evaluating your financial situation, goals, and budget. Term life insurance is often more affordable, while permanent life insurance provides lifelong coverage with an investment component.
  • What factors affect life insurance premiums?
    Several factors influence your life insurance premiums, including: Age: Younger individuals typically pay lower premiums. Health: Your overall health and medical history play a significant role. Coverage amount: Higher coverage amounts lead to higher premiums. Smoking status: Smokers often pay higher premiums. Lifestyle: Risky hobbies or occupations may increase premiums.
  • Can I buy life insurance for someone else?
    Yes, you can purchase life insurance for another person, but you typically need their consent and insurable interest. Insurable interest means that you would suffer a financial loss if the insured person were to pass away. This is common in cases like spouses, children, or business partners buying life insurance on each other.
  • Can I change my life insurance policy after purchasing it?
    Yes, you can often make changes to your life insurance policy, such as adjusting coverage amounts, adding riders (optional policy features), or even converting a term policy to a permanent one
  • Should I get life insurance if I'm single with no dependents?
    Even if you're single with no dependents, life insurance can still be beneficial. It can help cover funeral expenses, outstanding debts, or leave a legacy for loved ones or charities. Additionally, purchasing life insurance when you're young and healthy can result in lower premiums.
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