What Group Benefits Plan is Right for Your Business?
We customize your group benefits coverage based on your business needs. Take the quiz to learn how we can help.
Covering all the bases
Medical Benefits to Suit Your Team
Choose a group benefit plan or a health spending account for your business. Unsure of your needs? We’ll help you make the best call.
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.
I cannot say enough about Arif and Ben’s professional demeanor, how they put their clients best interest at the forefront and their unwavering patience for helping clients come up the financial investment learning curve. In an extremely short period, both Arif and Ben have become our trusted advisors and I look forward to working with them for many decades.
My only regret is not moving to Arif and Ben sooner. Amazing service and thoughtful guidance. They treat my investments as if they were their own and I'd recommend them to anyone who wants a "one stop shop" where everything from investments, insurance, legal matters, lending matters are taken care of using a holistic, well though out, common sense approach.
.. I am absolutely thrilled to have been connected with Ben and Arif.. Between the two of them, their knowledge of financial strategies and planning for the future is very impressive. Like-minded and so easy to speak with, I feel extremely confident in following their advice when it comes to managing money and planning ahead. I wish I had crossed paths with them many years ago but they have helped me a lot and I look forward to many, many more years working with them!
I had a great experience working with Arif. Would highly recommend for your life insurance needs!
Arif and staff have been superb handling my insurance needs.
Tools from the Experts
Financial Tools & Resources
We have created several case studies and tools to help you, as well as a regularly updated blog that explores personal finance, investing, tax planning, insurance, and more.