Group Benefits for Employers

Your employees are your greatest asset - and the right group benefits plan is one of the most powerful tools you have to attract, retain, and support them. RBIA helps Ontario employers design, implement, and manage group benefits programs that balance meaningful coverage for employees with sustainable costs for the business.

Why Group Benefits Matter

A well-structured benefits plan does more than cover health and dental bills. It can:

• Enhance your total compensation offering without increasing salaries dollar-for-dollar

• Improve employee wellness, loyalty, and productivity

• Help you compete for talent against larger organizations

• Demonstrate that you care about your team’s families and long-term well-being

We help you build a program that aligns with your culture, budget, and growth plans.

Benefits We Can Include

We work with leading Canadian insurers to design benefits packages that may include:

• Extended health care (prescriptions, paramedical, vision, travel)

• Dental care (basic, major, and optional orthodontic coverage)

• Short-term and long-term disability insurance

• Life and accidental death & dismemberment (AD&D) insurance

• Critical illness coverage

• Health Spending Accounts (HSA) and Wellness Spending Accounts (WSA)

You choose the level of coverage you want to provide; we design a plan structure that fits.

Independent, Cost-Conscious Plan Design

As independent advisors, we are not tied to any single carrier. Our role is to:

• Compare quotes and plan designs from multiple insurers

• Highlight the trade-offs between plan richness, flexibility, and cost

• Help you decide what should be covered, and at what levels

• Ensure your plan remains competitive and cost-effective over time

We take a conservative, disciplined approach to ensure your benefits plan is sustainable and aligned with your long-term business goals.

Ongoing Support, Renewals, and Employee Education

Our work doesn’t stop once your plan is in place. We support you over the life of your benefits program by:

• Reviewing renewals and negotiating with insurers where appropriate

• Monitoring claim trends and suggesting plan adjustments when needed

• Helping you communicate benefits clearly to employees

• Being available to support plan administrators and answer employee questions

You get a partner who understands both the technical details and the human side of benefits.

Solutions for Small and Mid-Sized Employers

Whether you’re setting up your first plan or refining an existing one, we work with:

• Small businesses looking for a simple, cost-effective starter plan

• Growing companies needing more robust coverage as their teams expand

• Established employers seeking better value or service from their current benefits program