Group Benefits

Protect your team with a comprehensive mix of health and paramedical coverage alongside group life and critical illness insurance.

Customize Your Group Benefits

to suit your team’s needs and preferences. Scale coverage up or down based on the size of your team or type of benefits they need. Components such as flex plans, mental health programs, executive benefits, and virtual health care can be incorporated into your benefits packages.

Health Spending Accounts (HSA’s) provide flexibility and personal choice on how your team can use their benefits.

In Canada, HSA’s are tax deductive and the benefits themselves are tax-free for your team. Many companies use HSA’s as their main form of health benefits, while others use them as an “add on” for their group coverage. Which is best for you is something we’re happy to help you decide.

A Traditional Health Spending Account

provides an easy to manage and flexible medical and paramedical benefits option, ideal for things like dental coverage, prescription medication, massage therapy, and other health/medical expenses.

Wellness Spending Accounts,

for something like a gym membership or a yoga classes, is another option that you can offer your team. These are great ways to encourage your team to adopt healthly habits and make positive change in their lifestyles.

Flexible Spending Accounts

are a blend of the traditional HSA and wellness accounts and offer flexibility in how those funds are used. Many see the flex account as the best of both worlds.

Structured group RSPs managed by our financial experts.

In an increasingly complex world, the stability and peace of mind that comes from retirement savings can’t be understated. Increasingly, employees are seeking employers that provide group retirement plans. At Qopia, we’ve made this process easy for many Canadian businesses and would love to help you with yours.

There is no “one plan fits all” group RSP. During our consultations and analysis with you, we will identify the appropriate products and services for your business and team.

Plans Can Include:

• Group RSP & Spousal plans
• Group TFSAs
• Individual pension plans (IPP’s)
• Retirement compensation agreements (RCA’s)
• Deferred profit sharing plans (DPSP)

Additional Benefits Coverage Ideal For Senior Management & Top Talent.

Enhancing executive benefits coverage or compensation programs (RCA’s, etc.) is an excellent way to draw and retain top-tier talent. In an increasingly competitive world, investing in higher-tier benefits empowers your leadership group to remain at their physical and mental best.

Executive compensation plans can include numerous components:

• Enhanced critical illness and disability insurance
• Increased global medical access with a large international partner network
• Access to private health services
• Compensation and incentive design

Your specific plan will be heavily tailored to your business, team, demographics, and specific needs.