Group Insurance

A competitive Employee Benefits Program will attract the best  people for your business. Miltowne Insurance Services provides Benefit Programs to more than 175 companies across the Halton Region. There are some of the coverages provided by our Group plans.

Healthcare Benefits
As we’re all aware, healthcare costs are on the rise, services are shrinking, and there seems to be no end in sight. As a result, if you don’t have an ample drug and healthcare plan, employees are not interested in working for you. At Miltowne Insurance l, we recommend a comprehensive benefits plan that typically offers 70% -100% coverage for your employees and their families. Knowing their families are taken care of provides your employees with a piece of mind that allows them to concentrate on the work at hand – your business.

Dental Benefits
More than just a cosmetic luxury, dental health is a critical part of overall body health. Poor oral health has now been linked to more serious conditions such as heart disease, stroke, diabetes and cancer. An important part of a good group benefits package, Miltowne Insurance can offer a variety of dental programs for employees and their families that range from simple coverage of regular cleaning to braces and orthodontic services as well as more comprehensive procedures.

Disability Benefits
As small business owners, we’ve all worried about the consequences if for some reason we haven’t able to work and earn a living for our family. It’s a thought that has probably caused us all to have a sleepless night. Fortunately, today’s group benefits programs cover short and long disability situations. Whether it’s a broken leg hat keeps you off your feet for a couple of months or a stroke that requires years of recovery, a properly designed disability benefit will insure that you and your family continue to live the lifestyle you’ve provided for them.

Critical Illness Benefits
Critical illness happens without warning and can have devastating results. While disability insurance can be of benefit for a more immediate and short term injury or illness, critical illness coverage ensures that you are looked after if you or your employees are diagnosed with more serious, long term condition. It can help you in your treatment plan to get better as well as keep your finances healthy.

Life Insurance Benefits
Many carriers provide a mandatory level of live and accidental death insurance for each of your employees.  While we believe that employees should have their own private coverage based on individual family needs, we can recommend various levels of insurance to help you to feel comfortable that you’ve provided assistance should a tragedy ever occur.

Employee Assistance Program (EAP)
The emotional well-being of your employees is as important to the success of your business as their physical health. An EAP can help you and your employees deal with difficult family or relationship problems before they lead to missed time, lost productivity, or even a long term disability claim.

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