Employee Benefits

Employee Benefits

Affordable Employee Benefit Plans for Your Business
Employee Benefits As Low As $1/hour per Employee
Employee benefits, also referred to as group insurance or group benefits, is a general term often used to describe the many types of supplementary health insurance offered through employers. Group insurance plans come with a number of advantages that make them the most popular health insurance options for Canadian small business.
The Peace of Mind of Employee Benefits Helps Attract & Retain Talent
There are many advantages to group insurance or employee benefit plans if you’re an employer or the administrator of a qualifying organization.

Benefit plans as a recruiting tool are a proven strategy to attract potential employees that wouldn’t consider working with you otherwise.

Benefit plans as a retention tool are a great perk for current valued employees, helping ensure they don’t move to another employer just to get benefits.

Doing the right thing by providing employee benefits to your employees can be the difference between them having proper extended health insurance and going uninsured for expensive services such as (dental, vision, drugs, and paramedical).

Healthy employees make happy employees which improves productivity, less absenteeism and higher morale. Healthy and fully insured employees are generally more positive about their place of work and more loyal to their employers.
Max Plans - Customizing The Right Plan for Your Business
The cost of most employee benefit plans vary based upon many factors, including:

Type of employee benefits coverage

Province where the business is located

Number of employees to insure

Age of the employees and dependents

Occupation and salary level of the employees

The Amount of Coverage you can afford or want
That’s where we come in as your trusted advisor. We will work with you to explain your options, identify opportunities and provide coverage that fit your budget, reflects your company values, and provides the best quality coverage for your employees.
Max Employee Benefit Plans at a Glance
We offer two quite different styles of benefit plans for Small Business - Traditional “Max Protection” and exclusive to us, the “Flat Max” plan.
Traditional “Max Protection” Plans
This is your traditional style of Benefit Plan design that has been used in Canada for decades. “Max Protection” offers the highest level of financial protection and peace of mind for you and your employees. The plan can be customized endlessly to meet your exact needs.
New “Flat Max” Plans
Maximum Cost Control! Maximum Flexibility! With a Flat Max plan, all health, drug, dental (routine major and orthodontic) and Visioncare expenses are covered at 100% with no pre-set limits or restrictions. You gain absolute total cost control by setting an annual maximum claim limit for each employee. Employees have flexibility to use their annual limit any way that they wish, until they use up their annual limit. Unused limits can be carried forward one year and added to next year’s new allocation.
Features Basic Traditional
MAX PROTECTION		 Enhanced Traditional MAX PROTECTION New Flat MAX
Routine Dental up to 80% 90% or 100% 100%*
Prescription Drugs up to 80% 90% or 100% 100%*
Out of Country Travel 100% 100% 100%
Major Dental No 50% 100%
Visioncare No Optional 100%
Life Optional Optional Optional
Disability Optional Optional Optional
Claim Limit No Limit No Limit To Fixed Annual Limit
Claim Flexibility According to plan guidelines According to plan guidelines Employee directed
Plan Flexibility Ability to add options or increase protection Ability to add options or increase protection Ability to increase limits and switch plans
Cost Control* Rates re-set annually based on claim history Rates re-set annually based on claim history Annual cost is fixed and owner controlled
Features Basic Traditional
MAX PROTECTION		 Enhanced Traditional MAX PROTECTION New Flat MAX
Routine Dental up to 80% 90% or 100% 100%*
Prescription Drugs up to 80% 90% or 100% 100%*
Out of Country Travel 100% 100% 100%
Major Dental No 50% 100%
Visioncare No Optional 100%
Life Optional Optional Optional
Disability Optional Optional Optional
Claim Limit No Limit No Limit To Fixed Annual Limit
Claim Flexibility According to plan guidelines According to plan guidelines Employee directed
Plan Flexibility Ability to add options or increase protection Ability to add options or increase protection Ability to increase limits and switch plans
Cost Control* Rates re-set annually based on claim history Rates re-set annually based on claim history Annual cost is fixed and owner controlled
* With New Flat Max you gain absolute total cost control forever by setting an annual maximum claim limit for each employee. The annual limit is chosen from one of 5 levels: $500, $1,000, $2,000-$5,000 and $10,000 (custom limits may be available). You have the flexibility to assign maximum claim limits to different groups of employees, for example senior people get $5,000 while new hires get $1,000. Employees have flexibility to use their annual limit any way that they wish, until they use up their annual limit. Un-used limits can be carried forward and added to next year’s new allocation. Unless, you change the per employee annual claim limit, costs are capped forever.
Start Your Free Quote Today
Take advantage of employee benefit opportunities

Take advantage of employee benefit opportunities

Or call 1-866-442-2587 Monday - Friday 9am to 6pm
Attract and Retain Talent
Start your free quote

Filling out this form will give you a good start on learning the best rates and plans available
Filling out this form will give you a good start on learning the best rates and plans available
Desirable for Small Business
It pays for Small Business to take advantage of group insurance opportunities.
Affordable – Group insurance rates are almost universally less expensive than comparable individual supplementary health insurance rates. Plan members also have access to higher spending limits for the coverages provided.
Manageable – Group Plans usually have less restrictions than individual plans. Many of the sticking points that can make individual plans so frustrating, like preexisting conditions, the addition of new family members, and restrictions based on poor health histories, are non-factors in a group insurance plan at enrolment.
Shareable – It’s very common for employees to pay a portion (usually half the cost) for their health insurance premiums.
Tax Benefits – Premium dollars spent by an employer are tax-deductible for the business, and the employees (including owners!) receive the claim reimbursements tax-free. One of the only win-win scenarios in the Tax Act!
Benefits and Pensions Blogs
Our Client's Say
“Bajus Financial provides Haney Builders Supplies with a group benefit plan with our best interests in mind. Mark Bajus and his team tailored our plan focusing on our budget with low cost options while ensuring we take advantage of new plan options that would provide additional peace of mind to our employees. Our group benefits plan has attracted and retained valuable employees to aid in the success of our business. This approach to service is why I highly recommend the Bajus Financial team for your benefits plan.”
Karl Peters
Controller, Haney Builders Supplies
“Mark spent a great deal of time working out a custom benefit plan solution for us, and it has worked out great. Staff really appreciate that as a small business, we have committed to them with a great benefit plan that’s highly affordable."
Louis Ramos
President, Ramos Holdings Ltd
Affordable Employee Benefit Plans for Your Business
Employee Benefits As Low As $1/hour per Employee
Employee benefits, also referred to as group insurance or group benefits, is a general term often used to describe the many types of supplementary health insurance offered through employers. Group insurance plans come with a number of advantages that make them the most popular health insurance options for Canadian small business.
The Peace of Mind of Employee Benefits Helps Attract & Retain Talent
There are many advantages to group insurance or employee benefit plans if you’re an employer or the administrator of a qualifying organization.

Benefit plans as a recruiting tool are a proven strategy to attract potential employees that wouldn’t consider working with you otherwise.

Benefit plans as a retention tool are a great perk for current valued employees, helping ensure they don’t move to another employer just to get benefits.

Doing the right thing by providing employee benefits to your employees can be the difference between them having proper extended health insurance and going uninsured for expensive services such as (dental, vision, drugs, and paramedical).

Healthy employees make happy employees which improves productivity, less absenteeism and higher morale. Healthy and fully insured employees are generally more positive about their place of work and more loyal to their employers.
Max Plans - Customizing The Right Plan for Your Business
The cost of most employee benefit plans vary based upon many factors, including:

Type of employee benefits coverage

Province where the business is located

Number of employees to insure

Age of the employees and dependents

Occupation and salary level of the employees

The Amount of Coverage you can afford or want
That’s where we come in as your trusted advisor. We will work with you to explain your options, identify opportunities and provide coverage that fit your budget, reflects your company values, and provides the best quality coverage for your employees.
Start Your Free Quote Today
Take advantage of employee benefit opportunities

Take advantage of employee benefit opportunities

Or call 1-866-442-2587 Monday - Friday 9am to 6pm
Max Employee Benefit Plans at a Glance
We offer two quite different styles of benefit plans for Small Business - Traditional “Max Protection” and exclusive to us, the “Flat Max” plan.
Traditional 
"Max Protection" Plans
This is your traditional style of Benefit Plan design that has been used in Canada for decades. “Max Protection” offers the highest level of financial protection and peace of mind for you and your employees. The plan can be customized endlessly to meet your exact needs.
Basic Traditional Max Protection Plan
Enhanced Traditional Max Protection Plan
New 
"Flat Max" Plans
Maximum Cost Control! 
Maximum Flexibility! With a Flat Max plan, all health, drug, dental (routine major and orthodontic) and Visioncare expenses are covered at 100% with no pre-set limits or restrictions. You gain absolute total cost control by setting an annual maximum claim limit for each employee. Employees have flexibility to use their annual limit any way that they wish, until they use up their annual limit. Unused limits can be carried forward one year and added to next year’s new allocation.
New Flat Max Plans
* With New Flat Max you gain absolute total cost control forever by setting an annual maximum claim limit for each employee. The annual limit is chosen from one of 5 levels: $500, $1,000, $2,000-$5,000 and $10,000 (custom limits may be available). You have the flexibility to assign maximum claim limits to different groups of employees, for example senior people get $5,000 while new hires get $1,000. Employees have flexibility to use their annual limit any way that they wish, until they use up their annual limit. Un-used limits can be carried forward and added to next year’s new allocation. Unless, you change the per employee annual claim limit, costs are capped forever.
Desirable for Small Business
It pays for Small Business to take advantage of group insurance opportunities.
Affordable – Group insurance rates are almost universally less expensive than comparable individual supplementary health insurance rates. Plan members also have access to higher spending limits for the coverages provided.
Manageable – Group Plans usually have less restrictions than individual plans. Many of the sticking points that can make individual plans so frustrating, like preexisting conditions, the addition of new family members, and restrictions based on poor health histories, are non-factors in a group insurance plan at enrolment.
Shareable – It’s very common for employees to pay a portion (usually half the cost) for their health insurance premiums.
Tax Benefits – Premium dollars spent by an employer are tax-deductible for the business, and the employees (including owners!) receive the claim reimbursements tax-free. One of the only win-win scenarios in the Tax Act!
Our Client's Say
“Bajus Financial provides Haney Builders Supplies with a group benefit plan with our best interests in mind. Mark Bajus and his team tailored our plan focusing on our budget with low cost options while ensuring we take advantage of new plan options that would provide additional peace of mind to our employees. Our group benefits plan has attracted and retained valuable employees to aid in the success of our business. This approach to service is why I highly recommend the Bajus Financial team for your benefits plan.”
Karl Peters
Controller, Haney Builders Supplies
“Mark spent a great deal of time working out a custom benefit plan solution for us, and it has worked out great. Staff really appreciate that as a small business, we have committed to them with a great benefit plan that’s highly affordable."
Louis Ramos
President, Ramos Holdings Ltd
Attract and Retain Talent
Start your free quote

Filling out this form will give you a good start on learning the best rates and plans available