Free guide for Canadian employers
Your plan probably covers less than your team thinks.
Most employees only discover a gap at the moment they need it. This guide walks through the coverage Canadian group plans most often leave out, so you find out before they do.
What applies to you depends on how your plan was built.
Get the guide
What Canadian group plans commonly leave out. No cost, no obligation.
Coverage that is often missing
Each of these exists in the Canadian market and is regularly absent from plans we review. Whether any of it applies to you depends on how your plan was built.
- Virtual healthcare A licensed Canadian doctor by video, around the clock, including while travelling outside Canada.
- Real mental health support Therapist matching and counselling in many languages, rather than a single phone line.
- Private diagnostic imaging Coverage for scans privately instead of waiting on a provincial list.
- A medical second opinion Access to an expert review after a serious diagnosis.
- Specialty drug protection Structures that stop one high-cost prescription driving everyone's renewal.
- Dependents covered for longer Children covered later into adulthood, and longer again while they are students.
What is inside the guide
Six short chapters, in plain English, written for employers rather than brokers.
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Where the money leaks
Admin, risk charges and margin, and which of them you can actually influence.
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Everyday health
The routine coverage employees use most, and where limits quietly fall behind.
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The bad year
What happens to your renewal when one large claim lands, and how plans absorb it.
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Income protection
What your disability coverage would actually replace, measured against real salaries.
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Health services
Virtual care, mental health and diagnostics that many plans never quoted you on.
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Your admin
The hours your team spends on enrolment and claims, and what that costs you.
How TeamPerks works. TeamPerks is a benefits optimization platform. We are not an insurer and we do not sell policies.
Requesting the guide is a request to be matched with an independent licensed third-party advisor who can review your plan with you. It is not an application, a quote, or an offer of insurance.