What is a group benefits plan?

A group benefits plan is an employer-sponsored insurance package that provides employees with coverage for health, dental, vision, life insurance, and disability. Benefit Forward helps Canadian employers design and manage group benefits plans that attract and retain talent while staying within budget.

How much does a group benefits plan cost in Canada?

The cost of a group benefits plan in Canada varies based on the number of employees, the coverage selected, and the carrier. Most small to mid-size employers pay between $150 to $500 per employee per month. Benefit Forward offers free plan reviews to benchmark your current costs against the market.

What is key person insurance?

Key person insurance is a life or disability insurance policy owned by a business on a key employee or owner. If that person dies or becomes disabled, the company receives a tax-free lump sum to cover lost revenue, recruitment costs, and business continuity.

What is the difference between a group RRSP and a DPSP?

A Group RRSP allows both employer and employee contributions and the employee owns the funds immediately. A DPSP (Deferred Profit Sharing Plan) only allows employer contributions and includes a vesting period, making it a powerful retention tool. Benefit Forward helps employers design the right combination for their workforce.

Do you offer a free benefits plan review?

Yes. Benefit Forward offers a free, no-obligation 30-minute benefits plan review for Canadian employers. We analyze your current plan, benchmark it against the market, and identify opportunities to save money or improve coverage. Contact us at info@benefitforward.ca or 289-657-7229 to book yours.

Employee Benefits & Insurance Advisory

Group solutions

Group plans built around who actually works for you

First plan or full restructure, we handle the details so your team is covered and your costs stay predictable.

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Group Benefits

Health, dental, vision, life and disability, built around your workforce and your budget.

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Retirement Plans

Group RRSP, DPSP, DCPP and TFSA plans your employees will actually use.

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Employee Wellness

EAP, mental health coverage and telemedicine, for the things a standard plan tends to miss.

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Benefits Analytics

Claims analysis and market benchmarking, so you know what is driving your renewal.

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Individual life insurance and estate planning consultation for Canadian business owners

Individual insurance

Protect what you've
built. Plan for what
comes next.

We also work with business owners and executives on personal coverage, from term life through to estate and succession planning.

Life Insurance

Term, whole life and universal life, sized to what your family would actually need.

Estate Planning

Insurance that covers the tax bill on death, so your family is not forced to sell.

Critical Illness

Lump-sum coverage so a diagnosis doesn't also become a financial crisis.

Disability Income

Replaces your income if illness or injury stops you working. For most people it is the coverage they are most likely to use.

Business Succession

Buy-sell agreements and key person coverage, funded so the plan works when it is needed.

Executive Benefits

Supplemental health, life and retirement coverage for owners and key people, on top of the group plan.

Explore individual coverage

Free, no-obligation consultation.
We work with all major Canadian carriers.

Why Benefit Forward

An advisor who treats what you've built like their own

We're not a call centre. You get one advisor who knows your plan, answers the phone, and has the market access to back it up.

Independent & unbiased

Not tied to any carrier. We place across the market, so the recommendation stays open.

We call you first

Annual reviews and a heads up well before renewal, so an increase is never the first you hear of it.

Plain language, always

Benefits are complicated enough. Your plan documents and your employee communication should not be.

Built for Canadian employers

Ontario and Canadian rules, carrier relationships, and the quirks that come with both.

"Great benefits are not a perk. They are what tells your team where they stand."

Benefit Forward Advisory

Common challenges we solve

Sound familiar?

Group benefits cost management and renewal analysis

Average client saves 15 to 25%

on group benefit renewals

Your renewal costs keep climbing

Plenty of employers are absorbing 10 to 20% increases year after year. We go through the claims data, benchmark against the market, and negotiate with carriers so the savings do not come out of your team's coverage.

Claims analysis to identify cost drivers before renewal

Carrier benchmarking across 6+ major providers

Plan design changes that reduce spend without reducing value

Review my plan →

Employee benefits for talent retention in Canadian companies

Benefits are the #2 factor

in Canadian job acceptance decisions

Losing talent to competitors with better plans

When two offers are close, benefits often decide it. We rebuild the package so it competes in your sector, usually without spending more. Design beats budget more often than people expect.

Sector benchmarking to understand what competitors offer

Flexible options that appeal across generations

Communication strategy to make benefits a hiring asset

Benchmark my plan →

Simplified group benefits plan management for HR teams

One advisor. One call.

For everything benefits-related

Your plan has become too complex to manage

Multiple carriers, booklets nobody reads, employees who cannot tell you what they have. We consolidate it. One advisor, documentation in plain English, and a team that actually uses the plan.

Plan consolidation and carrier rationalization

Plain-language employee benefit summaries

Single point of contact for all carrier relationships

Simplify my plan →

Group RRSP and retirement plan strategy for Canadian employers

Most group RRSPs are underused

Poor design is usually the reason

Your retirement plan isn't driving engagement

Most group RRSPs sit underused because nobody ever explained them. We build plans people contribute to, and we do the explaining.

RRSP, DPSP, DCPP, and Group TFSA design

Employee education sessions and onboarding materials

Contribution matching structures that incentivize participation

Review my retirement plan →

Benefits administration support for HR managers

We handle it all

So your HR team doesn't have to

Benefits admin is eating your HR team's time

Enrolment changes, employee questions, carrier calls, renewals. We take all of it, so your HR team gets their week back.

We handle all carrier communication on your behalf

Direct employee support line for claims and questions

Proactive renewal management and annual plan reviews

Free up my team →

How we work

From first call to long-term partner

Book a consultation

Discovery call

We learn about your business, your workforce and what you have now. No obligation.

Plan assessment

We go through your plans, benchmark the market, and show you where the gaps are.

Strategy & design

Recommendations with the tradeoffs spelled out. You pick what fits.

Ongoing partnership

We handle renewals, claims, employee questions, and annual reviews. We're your benefits team.

Employee Benefits & Insurance
Advisory for Canadian
Employers

Group plans built around who actually works for you

Protect what you've
built. Plan for what
comes next.

An advisor who treats what you've built like their own

Sound familiar?

Your renewal costs keep climbing

Losing talent to competitors with better plans

Your plan has become too complex to manage

Your retirement plan isn't driving engagement

Benefits admin is eating your HR team's time

From first call to long-term partner

Let's talk about your plan

Book a free consultation

Employee Benefits & InsuranceAdvisory for CanadianEmployers

Group plans built around who actually works for you

Protect what you'vebuilt. Plan for whatcomes next.

An advisor who treats what you've built like their own

Sound familiar?

Your renewal costs keep climbing

Losing talent to competitors with better plans

Your plan has become too complex to manage

Your retirement plan isn't driving engagement

Benefits admin is eating your HR team's time

From first call to long-term partner

Let's talk about your plan

Book a free consultation

Employee Benefits & Insurance
Advisory for Canadian
Employers

Protect what you've
built. Plan for what
comes next.