Benefits your people understand, and a team that stays with you.
Group benefits from Creighton Financial Group come with three things a policy can't give you: service from people who know your plan, education for you and your employees, and ongoing financial planning for owners and staff. Start with a Plan Review: no obligation, and nothing to switch.
A benefits plan comes up for renewal every year. It should also get reviewed, explained and used.
Three things you'll notice in the first year.
Service from people who know your plan
One team handles your enrolments, changes, renewals and questions, and keeps your plan on file, so you're not starting from scratch when you call.
- Help with new hires and terminations
- Claims and coverage questions answered
- A yearly check-in, not just a renewal letter
Education for you and your team
A plan only works if people know what's in it. We help them learn it.
- Plain-language plan summaries
- Onboarding sessions for employees
- Seminars such as mental health and retirement planning
- Owner briefings on cost, design and renewal
Ongoing planning for owners and employees
Benefits sit inside a bigger picture. Our advisors work with both sides of it.
- Advisors meet one-on-one with employees
- Group RRSP and DPSP set up and explained
- For owners: compensation, insurance, succession and retirement
Built around your team, not a template.
Pick the pieces that fit your people and your budget. We'll show you what each one costs before you decide.
Health, dental & vision
Prescription drugs, dental, vision and paramedical care such as massage and physiotherapy.
Health Care Spending Account
A set amount each employee can use for eligible health and dental costs the main plan doesn't cover.
Health & Wellness Account
A wider choice of wellness spending, such as fitness, set by the plan.
Executive spending accounts
Richer spending accounts for owners and key people, set up as their own class of coverage.
Employee Assistance Program (EAP)
Confidential counselling and support for employees and their families, for mental health, family, legal and financial questions. Services vary by provider.
Virtual care & health support
Support such as virtual care is built into many group plans. What's included varies by carrier; we'll show you what your plan offers.
Disability & group life
Income if someone can't work, and life coverage for your team.
Group RRSP + DPSP
Employer matching, with vesting rules on the DPSP side. A benefit employees value, and a reason for good people to stay.
Payroll integration
For plans with Empire Life, Sun Life or Desjardins, our payroll partner can connect your plan to your payroll.
Spending accounts: flexible coverage for the people who run the business.
Owners and senior staff often need more than the standard plan. Spending accounts let you set a higher amount for an executive class, within the carrier's rules and the rules for employee classes, without changing coverage for everyone else.
Request a Plan Review →For eligible health and dental costs: the deductible, the dental work the plan caps, the glasses, the paramedical visits past the limit.
For a wider list of wellness spending, set by the plan.
The two accounts are taxed differently. We'll show you how each works for your business, and your accountant confirms the tax side before anything is set up.
The renewal letter, explained.
Every year your carrier sends a new rate. We make sure you understand it, and that you have options before the deadline.
We know your plan
Claims patterns, what your people use and what's coming up, so the renewal isn't the first conversation of the year.
We explain the number
What's claims, what's inflation, what's plan design, in plain language.
We negotiate or market
Push back with your carrier, adjust the design, or take the plan to market. You see the options side by side.
We follow through
Confirm the changes were applied and tell your team what's different.
Less admin on your desk.
Benefits touch payroll every pay period. For plans with Empire Life, Sun Life or Desjardins, we work with a payroll partner who can connect your plan to your payroll.
Payroll integration is available for plans with Empire Life, Sun Life or Desjardins, and depends on your payroll provider.
Four steps, then your decision.
Send two documents
Your plan booklet and your last renewal letter. Please leave out anything about individual employees.
We read it line by line
Coverage, cost, plan design, and what's driving your renewal.
We market it, if you want
Options from other carriers side by side, so you can compare like with like.
You get a written report
Yours to keep. Stay, adjust or move. It's your call, and if the plan is already sharp, we'll say so.
Common questions
What do we commit to by asking for a Plan Review?
Nothing. You get a written report on your own plan to keep. It isn't a quote, and you don't have to move anything.
Do we have to switch carriers?
No. Sometimes the right answer is to stay and negotiate the renewal. If marketing the plan makes sense, you'll see the options side by side and decide.
What's the difference between a Health Care Spending Account and a Health & Wellness Account?
A Health Care Spending Account reimburses eligible health and dental costs the main plan doesn't cover. A Health & Wellness Account covers a wider list of wellness spending set by the plan. They're taxed differently, so we'll walk through it with you and your accountant.
Can owners have different coverage from staff?
Often, yes. Plans can set coverage by class of employee, such as a higher spending account amount for an executive class, subject to the carrier's rules and the rules for employee classes.
Who meets with our employees?
Advisors from our team run plan sessions and seminars and meet one-on-one with employees who want help with their own planning, including the group RRSP.
How big does our business need to be?
We mainly work with businesses of about 5 to 100 employees in London and Southwestern Ontario.
See your plan clearly. Then decide.
Tell us a little about your business and we'll be in touch within one business day to arrange the two documents. No obligation, and nothing to switch.
Please don't include employee names, health information or claims details here. We use your details to arrange your Plan Review and, if you tick the box above, to send occasional emails. Questions about your information: our privacy officer, David Creighton, david@creightonfg.com. See our Privacy policy.
Group benefits are offered through Creighton Financial Group. Plan features, eligibility, limits and availability vary by carrier, plan design and group size, and are subject to underwriting and quotation for your own group. Educational only. Not tax, legal, or investment advice. Tax treatment depends on your own circumstances and on current legislation — confirm with your accountant before acting. Mutual Funds and Segregated Funds provided by the Fund Companies are offered through Worldsource Wealth Management Inc., sponsoring mutual fund dealer. Other Products and Services are offered through David Creighton, Lindsay Smith, John Creighton, Matthew Smith, Darroll Powe, and Creighton Financial Group. Creighton Financial Group is the operating name of David Creighton & J.P. Creighton Consulting Inc.