Business planning that makes sense
Welcome to our Group Benefits Hub, where we explore the advantages of offering comprehensive benefits to your employees, fostering a thriving and loyal workforce. The GRFS team acts as brokers, helping you find the perfect group benefits.
Group Benefit Coverage
Group Insurance encompasses insurance plans designed to safeguard the financial well-being of a collective, providing benefits like affordable life insurance or dental coverage, often tailored to self-employed individuals, association members, company employees, or professional groups such as lawyers and doctors.
Group RRSP Planning
Whenever a company decides they want to start a group RRSP plan. The employees will pay into it via payroll deductions. The decision of how much each employee contributes is up to them but typically the maximum is defined by the company. This money is then managed and invested based on the instructions that were set out during plan initiation.
Employee Retirement Plans
Our services encompass the comprehensive design of your employee retirement plan. This includes: Analysis investment options, Investment tracking, Individual financial and investment consulting, management of individual registered and non-registered retirement savings plans, RRSPs, group RRSPs, & RESPs.
Group Benefit Consulting
Unlock your company's full potential with our tailored group benefits consultation. We analyze your unique needs and design customized benefits packages to attract and retain top talent while fostering employee well-being and organizational success.
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Group Benefits
Frequently Asked Questions
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Group benefits are insurance and wellness programs offered by employers to employees and often their families. Plans can include health, dental, vision, life insurance, disability coverage, mental health support, and more.
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Employers may pay the full cost, share the cost with employees, or require employees to pay for optional coverage.
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Most plans include:
Extended health care
Prescription drugs
Dental coverage
Vision care
Paramedical services (massage, chiropractic, physiotherapy)
Life insurance
Disability insurance
Employee Assistance Programs (EAP)
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At least annually to ensure the plan remains competitive, affordable, and aligned with employee needs.
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Some employer-paid benefits may be considered taxable benefits. The tax treatment depends on the type of coverage provided.
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Yes. Many insurers offer plans designed specifically for businesses with as few as 1–5 employees.
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Most plans offer coverage for spouses and dependent children
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Benefits help:
Attract top talent
Improve employee retention
Increase job satisfaction
Reduce absenteeism
Support employee wellness
“Elie was the one who made me aware of group benefits being available to a team as small as 5 people. My employees are extremely grateful!”
— GRFS GROUP BENEFITS CLIENT
