Employee Benefits for Professional Offices in BC
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Offices such as accounting firms and clinics can offer health and dental benefits that are easy to explain.
Simple guide: The rules and prices depend on the actual plan. Read the contract and ask questions before deciding.
Who can join
Partners, owners and employees may have different eligibility rules. Confirm each group with the insurer.
Health coverage
Check prescription drug coverage and limits for therapy or counselling.
Dental care
Compare checkups, fillings and major dental work. Some services have lower limits.
Disability insurance
This may replace part of eligible income when someone cannot work because of illness or injury.
Life insurance
Group life insurance may pay a benefit after an insured employee dies. Check what happens if the employee leaves.
Covering family members
Ask which spouses and children qualify.
Keeping information private
Medical claims should be handled by the insurer, not shared around the office.
Monthly costs
Compare premiums and any fees. Decide how much employees will pay.
Opening another office
Review eligibility when your company grows or moves.
Annual checkup
Look at price changes and employee feedback before renewing.
Questions to ask
- What does this plan cover?
- What does it leave out?
- How much will I pay?
- What can change later?
- Who can help if I have a question or claim?
Read more in the Financial Learning Centre or contact Ali Aftab. This is general information, not personal insurance, legal, tax or investment advice.
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