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Group Benefits

First Canadian is proud to offer affordable and tailored Group Benefits solutions to companies of all sizes. We understand the importance of supporting your employees’ well-being and keeping your business thriving. Our dedicated team works closely with you to assess your unique needs, recommend the best coverage options, and provide ongoing support to ensure your benefits program runs smoothly.

SINGLE OR MULTIPLE OCCURRENCE SINGLE OR MULTIPLE OCCURRENCE 25 ILLNESSES

Life Insurance

  • Employee basic life insurance
  • Dependent life insurance
  • Optional employee and spousal excess life insurance

Accidental Death & Dismemberment

You never know when an accident might happen. Our coverage will pay a lump sum benefit in the event of a death due to an accident or total or partial loss or loss of use of certain body parts or limbs.

Critical Illness

We offer critical illness coverage for your employees and their dependents. This valuable coverage provides a lump sum benefit in the event of a covered critical illness diagnosis. You can choose from single occurance or multiple occurrence coverage, with protection for 25 illnesses, indluding, but not limited to:

  • Heart Attack
  • Stroke
  • Cancer
  • Coronary Artery Bypass Surgery
Life, Accidental Death & Dismemberment and Critical Illness
Long-Term Disability

Protect the financial commitments of your employees and their families when faced with a disability. First Canadian offers disability insurance designed to replace a portion of your employees' income if they become disabled and are unable to perform their duties of work so that they can focus on recovery. Our coverage is available to employees up to age 65.

Short-Term Disability

Protect your employees and your business in the event of a covered short-term disability. First Canadian offers disability insurance designed to replace a portion of your employees' income if they become disabled and are unable to perform the duties of work so that they can focus on recovery. Our coverage is available for up to 26 weeks.

Disability
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Prescription Drugs

Our prescription drug coverage can be tailored to satisfy your employees' needs. Important considerations that may affect the cost of your group's prescription drug plan include co-payment amounts, dispensing fee limits, mandatory generic substitution, prior authorization for certain drugs, and whether there are financial maximums in place for individual employees and their dependents. First Canadian prides itseld in providing sound advice to maximize the benefits available to your employees while keeping your plan's cost sustainable.

Paramedical Practitioners

Customize your group's healthcare coverage with the paramedical services your employees want most, such as Massage Therapy, Physiotherapy, Chiropractic Services, Psychology Services, Dietitian Services and more.

Vision and eye exams

Our vision care coverage for employees and their families includes eye examinations and prescription eyewear.

Out-of-Country

Our out-of-country coverage protects your employees against unexpected emergencies, so they can focus on enjoying their trip.

Medical equipment & services

We’ll cover medical expenses that may not be covered by provincial health plans, such as ambulance services and nursing care. Benefits can include coverage for certain medical equipment required by an employee or one of their family members, including insulin pumps, orthotics, orthopedic shoes, wigs, surgical stockings, and hearing aids. We've also partnered with Best Doctors, who offer expert medical advice and assistance for the best available treatment options regarding your condition.

Extended Healthcare

Dental Benefits

Dental benefits are important to your employees and their families. We provide partial or full coverage for many dental procedures like checkups, cleanings, fillings, x-rays, extractions, root canals, and orthodontic services. Keep your employees and their families smiling with the benefits we can provide them.

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Dental
Healthcare

Healthcare costs can sometimes exceed the coverage available under your core group benefits plan. Our healthcare spending account provides employees with a non-taxable benefit to cover a wide range of medical and dental expenses to get the care they need.

Lifestyle

Give your employees the flexibility to choose the wellness activities that matter most. A great option for groups that do not want to limit their coverage to a particular service or benefit. Our Lifestyle spending account is a taxable benefit that allows employees to spend their allotted amount on eligible items and services, like gym memberships, child and pet care expenses, sporting activities, and more.

Health & Lifestyle Spending Account
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Employee Assistant Program

Employee Assistant Program

You don't know what happens in an employee's life outside of work, but you want to support them however you can. That's why we've partnered with Inkblot to provide personalized support your employees can rely on with their team of therapists, nurses, financial coaches and more.

Health & Wellness

Health & Wellness

You want to give your employees opportunities for growth and development. First Canadian's health and wellness portal offers employees information and tools to enhance their mental and physical wellbeing even when they are not sick.

Retiree Coverage

Employees are just as concerned about health benefits when they retire as when they’re working. Offering a good retirement plan will help you retain your employees and keep them happy even if they’re no longer on the job. Our retiree coverage can fill in the financial gaps of their medical bills when they need it most. Our retiree coverage is separate from your group’s benefits plan and does not impact your group’s claims or premium.

Retiree Coverage

First Canadian, bringing a better business model to group benefits

life-critical-illness
Life, Accidentanl Dealth & Dismemberment and Critical Illness
disability
Disability
extended-healthcare
Extended Healthcare
dental
Dental
health-spending
Health & Lifestyle Spending Account
health-wellness
Health & Wellness
retiree-coverage
Retiree Coverage

First Canadian, bringing a better business model to group benefits

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