Our Benefit Options

The Chambers of Commerce Group Insurance Plan® is about you. You control your plan by choosing from up-to-date options. You choose your levels of coverage from basic to comprehensive. You have access to affordable, flexible insurance options; fast, accurate claim payments; outstanding service and support; and easy administration.

A Chambers of Commerce Group Insurance Plan® advisor in your area works with you to develop the right plan for what you need. We provide packages to businesses from one person and up, including home-based businesses, and we have guaranteed coverage options for firms with three or more people. With over thirty years of experience we know what small businesses need.

Our complete benefit selection Includes:

Dental Care

• Cleanings
  
• X-rays
• Extractions
• Major Services
  
• Orthodontics for firms with ten or more employees

Extended Health Care

• Prescription drug plans featuring "Pay Direct" drug card options or reimbursement
  
• Ambulance coverage
• Paramedical services including massage therapy, chiropractic and physiotherapy
• Eye examinations
• Travel Health Care insurance featuring emergency medical coverage for treatment outside of Canada

Disability Coverage

• Coverage can begin from the first day of an accident and the eighth day of an illness
• Income replacement benefits can continue until age 65

Group Term Life , Dependent Group Life and Accidental Death & Dismemberment

• Select either flat amounts or multiples of salary of term life
• Dependent Group Life coverage for spouses and children of employees
  
• Accidental Death & Dismemberment doubles the amount of insurance if death is caused by accident and includes loss of use coverage

Critical Illness

• A lump sum of $30,000 is paid in the event you are afflicted with a critical illness as defined in the policy, at a time in your life when you need it the most

Best Doctors^®

• Unlimited access to Best Doctors^® services included in every group plan

Employee Assistance Services

• Confidential, professional counseling service, POSACTION helps employees and families address work or personal issues before they escalate into broader problems

Business Overhead Expense Insurance

• Designed for individual self-employed business owners who generate all the firm's sales and revenues, and are involved in the day-to-day operations of the business

Cost Plus

• Cover Items outside your current group insurance plan
• Save tax dollars for you and your company
• Take advantage of non-taxable employee benefits
• Deduct Cost-Plus charges just like group insurance premiums