Group Benefit Plans

A comprehensive employee benefits program sets the foundation for a successful business, helping you attract and retain top employees. We can help you get affordable group insurance coverage.

The business world can be competitive and cutthroat—protecting and providing for your employees will always be a key issue at heart of any business.

Together we will sculpt a detailed Canadian group benefits plan that takes into account the unique traits, personalities and life situations of your business and your team. Once we’ve got a strong sense of what your company prioritizes, we will go to bat for you to find the optimal plan design and negotiate with insurance companies to secure you the best rates possible. You’ll be surprised at how much flexibility and customization is possible when you work with an employee benefits broker at Baker & Baker Benefits.

Every employer’s goal is to have a team of happy and healthy employees. For that reason, companies should take note of the link between physical and financial health. For example, the stress an employee may experience as the result of financial insecurity can directly result in lost productivity and excessive claims on a health plan. With a comprehensive group insurance plan in place this stress can be relieved, and you will see gains in productivity and reduced claims on health care. The result is an increase in morale and productivity while health costs and absenteeism are reduced.

Baker & Baker Benefits can help you explore every option and uncover every opportunity to secure rates that put you in a position to succeed. 

Traditional Insured Benefits

Most comprehensive benefit programs have a traditional insured benefit component. In today’s marketplace this has become highly flexible and customizeable.  Even small businesses don’t need a cookie cutter plan anymore.

Health Spending Accounts

Health spending accounts are becoming more and more popular in augmenting the traditional plan. Having the freedom to allow your team to spend benefit dollars where they need them most is very attractive in retaining top talented employees.

Financial Wellness

Recent research clearly shows that financial well being is an integral part of overall workplace satisfaction. Providing ways to help employees feel more financially secure leads to lower stress and higher productivity.


What is a good strategy to use when preparing employee benefits?

When preparing employee benefits there are four key factors.

  • I need to attract and keep good people.
  • I need to promote a happy healthy and productive work environment.
  • My plan needs to be comprehensive yet affordable to the business.
  • Physical and financial health are intrinsically linked. A good strategy considers both.


When will my group health benefits claim get paid?

Claims are paid almost instantly these days. It depends somewhat on how your plan is set up. Typical drug and dental claims are paid at point of purchase, and many other services can be claimed online, minimizing turnaround and getting your money back quickly.

How many employees do I need to qualify for group insurance?

You only need a staff of two to make up a traditional group benefits plan, and it goes up from there.

Craig Baker has been our broker ever since we started with benefits over 10 yrs ago. He has always been there to help us save money on premiums, assist with claims and answer any questions from my team.

— Oded, President of a Manufacturing Company in Concord, ON

Craig has been a great asset in assisting me with navigating the Canadian benefits universe, which is quite different than the US. Craig’s knowledge of the Canadian health care plans, and his insights as to the plan design and options have been a great benefit to our Canadian Team.

— Maureen, Human Resources from Princeton, NJ USA

Craig has made the seemingly daunting experience of purchasing term life insurance easy by carefully walking me through the process Craig also helped me discover how much I needed to protect my family.

— Prad, Systems Analyst from Markham, ON

Baker & Baker always answer my calls promptly, I am semi-retired and travel frequently. Craig makes it easy for me to go away with peace of mind.

— Cathy, Technical writer from Erin, ON

When my employment status changed Lorna advised me on the transition from group benefits to a personal plan. She took the time to learn what I needed from a health and dental plan. Lorna made me feel very comfortable with the process and explained all of my options. Thanks to Lorna’s professional care I am very confident that I have the best individual health plan customized for me.

— Tracy, Finance Professional from Toronto, ON