Group Benefits Designed to Support Your Team
Group benefits are more than a workplace perk. It’s a practical way to protect your team’s health, strengthen retention, and elevate your company culture. Whether you're a solo entrepreneur or managing a large and growing workforce, the right plan makes your business more competitive and your people more supported.
At Foster Insures, we help employers across Ontario create tailored, cost-effective benefits plans that meet the needs of both the business and the team behind it.
What Are Group Benefits?
Group benefits provide coverage for employees and their families through an employer-supported plan. These plans offer financial protection, access to care, and a sense of stability — all while helping businesses attract and retain strong talent.
Coverage is customizable. Your group plan may include some or all of the benefits listed below depending on your budget, insurer, and plan design.
A well-built plan typically includes:
Coverage for paramedical practitioners, ambulance services, hospital stays, and emergency travel protection — helping employees access care without financial stress.
Plans include basic services (cleanings, fillings), major restorative work (crowns, bridges), and orthodontics for families.
Prescription drug coverage designed to reduce out-of-pocket medication costs and support long-term employee health.
Covers eye exams, prescription lenses, frames, contacts, and optional laser eye surgery benefits.
Provides financial protection for families in the event of an employee’s passing, helping cover expenses and replace income.
Offers income replacement and lump-sum payments during a serious illness or injury, supporting employees during recovery.
Flexible, tax-efficient accounts employees can use to cover a wide range of health and dental expenses.
Confidential support services for mental health, counseling, crisis support, financial coaching, and more.
Covers medical emergencies while travelling outside Canada, including hospital care, evacuation, and repatriation.
Your plan can be traditional, modular, flexible, or entirely custom. All depending on your goals and budget.
Understanding Group Benefits
Why Group Benefits matter
For Employers:
- Improve retention and reduce turnover
- Attract stronger talent in a competitive market
- Build a healthier, more productive team
- Show leadership, stability, and long-term commitment
- Access tax-efficient ways to support employees
For Employees:
- Lower out-of-pocket costs for health and dental
- Financial protection for themselves and their families
- Access to wellness resources
- Confidence knowing their employer supports them
Group benefits are flexible
Employers choose how much of the premium they want to fund so the plan fits their budget and goals. Many organizations cover 50%, 80%, or 100% of the cost, while employees pay the remaining portion instead of the full price on their own. This structure keeps coverage affordable and sustainable for both sides.
How Foster Insures Builds Your Plan
We take a simple, consultative, fully personalized approach:
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Understand Your Team
We learn about your staff structure, challenges, goals, and budget. -
Compare Canada’s Top Insurers
We work exclusively with reputable Canadian providers to ensure stability and long-term value — not just the lowest quote. -
Build a Tailored Plan
You receive multiple options with transparent comparisons and expert guidance. -
Support You for the Long Term
Renewals, adjustments, expansions — we handle everything so your plan always evolves with your business.
Who We Help
Solo Entrepreneurs
Even a one-person business can access meaningful health and dental coverage. Options include traditional plans, HSAs, or hybrid setups.
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Small Businesses
Small teams often want strong coverage without large corporate pricing. We help you find flexible, cost-efficient plans that grow with your business.
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Medium Businesses
As your team expands, your plan becomes more strategic. We help you design scalable coverage that supports retention and long-term growth.
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Large Businesses / Enterprise
Larger groups need deeper customization, multi-tiered plans, and proper cost controls. We build solutions that are competitive and sustainable.
Learn moreReady to Explore Your Options?
Whether you're looking to support a team of one or two hundred, we’ll guide you to a plan that fits your needs with clarity, transparency, and expert care.
Get a Group Benefits Quote