Custom Group Benefits Plan

Do you find that the standard benefits plan doesn’t suit the needs of your employees? We’re proud to offer custom employee benefits plans so you can offer benefits that suit the unique needs of your employees, while meeting your budget.

Custom Employee Benefits Plan

Ideal for companies that want to offer unique benefits that show their employees they care.

Plan Highlights

  • Pick and choose your benefits and build your own plan based on your compensation philosophy, business objectives, budget, and employee groups (executives, management, hourly staff, seasonal employees, etc).
  • Use the flexibility to reward employees, increase retention, control costs, and many other business benefits. It’s up to you.
  • No need to reinvent the wheel; we can copy elements of your existing plan that you like and remove the elements that you don’t. (e.g. you don’t have to include Life Insurance, LTD, Massage, etc.)
  • Create an Executive Class and add Executive Benefits to your conventional plan.

Coverage Amount

  • Coverage limits and percentage paid (e.g. 80%) are customized and set by employer.

Administration Fees

  • 10-20% of contributions
  • No setup fees, annual fees, per-claim fees, or fees for booklets.

What’s Covered?

Fully customize your plan. Pick and choose from the benefits below.

Optional Catastrophic Coverage

Optional catastrophic coverage can include the following:

  • Travel insurance
  • Life insurance
  • Accidental death and dismemberment
  • Critical illness
  • Long-term disability
  • Catastrophic drug coverage up to $1 million over a lifetime

Online/Smartphone App Claim Submission?


Benefits Card?


Pay Direct Drug Card?


Interested in a custom group benefits plan?

Talk to your advisor, call us for a 10-minute chat, or submit a callback form.

Catastrophic Benefits

Group Life Insurance

Provide financial assistance to the beneficiary in case of an employee’s death. Can be a flat amount or percentage of earnings.

Accidental Death and Dismemberment

In the case of accidental death, provides financial assistance to a beneficiary. In the case of dismemberment, a percentage of the full benefit will be paid to an employee.

Long-Term Disability

Provide income replacement when employees are disabled and unable to work for an extended period of time due to injury or illness.

Critical Illness

Provide employees and their families with support as they cope with difficult medical situations.

If the employee is diagnosed with a critical illness covered by the plan such as life-threatening cancer, stroke, or a heart attack, and survives a certain period after diagnosis, a lump sum payment is made to the employee.

Excess Medical Stop Loss Insurance
Protects the benefit plan from the risk of catastrophic healthcare costs which may include large drug claims, extended hospital stays, and private nursing.

Special Risk Insurance Coverage

If you have a requirement for special risk coverage, we will create a solution for you. Examples include travel to high-risk destinations and unique industry risks not typically covered by traditional carriers.

Routine Benefits

Routine Dental
Reimburse routine visits to the dentist. Plans typically include basic and preventative dental, endodontic and periodontal services.

Major Dental

Major dental coverage typically includes complex procedures like crowns, dentures, bridges, and root canals.


Orthodontic coverage typically includes ortho-exams, x-rays, diagnostic radiographs and casts, braces, and retainers.

Prescription Drugs

Reimburse prescriptions at point of sale with a pay-direct drug card. Mitigate your risk using plan maximums, adding a formulary, dispensing fee maximums, and deductibles. Include everything from typical blood pressure medication to medical cannabis reimbursement.

Reimbursement for visits to licensed medical practitioners like physiotherapists, chiropractors, naturopaths, massage therapists, psychologists, etc. You have complete control over which to include and at what level.

Healthcare Spending Account

A pre-determined amount of money is provided to employees each benefit year for coverage of their medical and dental expenses. Eligible expenses are paid at 100% up to the total dollar amount available in the account. Can be used in conjunction with a benefits plan.

Vision Care
Reimbursement for eligible eye case expenses that typically include eye exams and prescription glasses or contacts. May include coverage for corrective laser eye surgery.

Medical Aid and Appliances
Durable medical equipment required for the treatment of acute and ongoing medical conditions, such as crutches, c-pap machines, custom knee braces, etc.

Hospital Care

Reimbursement for upgrades to a semi-private or private room. Plans may also include other medical facilities such as convalescent homes and substance abuse facilities.

Nursing Care
To help employees recover and recuperate in the comfort of their own home.

Survivor Benefits
In the event of an employee’s death, you can extend coverage to their surviving family.

Short-Term Disability

Income replacement for employees when they are disabled and unable to work for a short period of time (generally less than 17 weeks) due to injury or illness. Additional disability services also available.

Medical and Other Services

Out of Country Coverage and Supplementary Travel Assistance
Provides coverage for expenses from unexpected illness or injury while travelling outside of province or country. Coverage up to $5 million per trip.

Virtual Health
Reduce absenteeism and support employees with virtual health care services. Allow employees to consult with a health care professional by secure text and video through a smartphone app in real time.

HR Resources

Clients of The Benefits Trust enjoy free access to a comprehensive HR toolkit with over 300 forms and templates designed by HR experts.

Medical Second Opinion

Get a second opinion from the world’s most respected doctors without leaving your home. Your employee’s case is matched to an appropriate medical expert who review their diagnosis and treatment plan in great detail.

Employee Assistance (EAP)
Provides confidential access to counselling and consultations to help employees handle personal, psychological, family, and mental health issues.

Resources are available to help navigate various issues including money, wellness, work-life balance, etc.

Employee Wellness

Digital health and wellness solutions to help employees become healthier through confidential, personalized online health assessments, health challenges, and digital coaching.

Concierge Healthcare
Provides real-time medical intervention for complex health problems. Offer case management, guidance, expedited referrals and advocacy for key employees so they can focus on their job.
Comprehensive Executive Medical
Ensure your executives are healthy and productive with proactive solutions designed to help identify and prevent chronic diseases and address everyday health concerns.

Executive Benefits Plan
Maximize the tax opportunities available for business owners and high-wage earners, including 100% reimbursement of all CRA-eligible expenses.

Identity Theft and Legal Protection
Protect your employees and their families from identity theft and other unexpected legal matters.

Future Services
We’re constantly exploring value-added services and products to add to your benefits programs.

We Do Small Business Benefits Plans a Little Differently

We’ve specialized in small business group benefits plans since 1994. We know that small business owners have a few priorities, on top of caring for their employees. Learn about our unique approach to providing employee benefits..

Most Traditional Employee Benefits Plans Look the Same

Consider the following when choosing a new plan.


Budgets are always on the minds of small business owners – and we can’t blame them! At The Benefits Trust, we provide the most value and maximize cost efficiency with customized plans that cater to the needs of your employees.


Delivering more value means more than offering comprehensive employee benefits. It means creating a partnership with your provider that’s based on dedicated representative customer service. It means flexibility in the solutions we offer and responding to your inquiries immediately.

Plan Design

We think outside of the traditional benefits box. Our clients (and their employees) enjoy custom benefits plans that have been specifically designed to cater to business and employee needs and goals.


At The Benefits Trust, we prioritize unparalleled support for our clients. Think of us as your benefits department; from the initial setup to ongoing management, we ensure your benefits plan runs smoothly.

Watch and Learn How

The Benefits Trust Creates a Custom Group Benefits Plan to Meet Your Company’s Needs

With a third-party administrator like us:
  • You pay for the insurance you want
  • You only pay for the claims you have
  • Administrative costs are fixed and transparent

Have An Inquiry About Our Plans?

Navigating benefits can be complex; lean on us for clear, concise answers to all your plan-related questions.

Call us at 1-800-487-2993

Email us at [email protected]

Regular Hours of Operation:

Monday – Friday 8:30am – 5:00pm

Inquire About Our Custom Group Benefits Plan

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What’s Covered?

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