Benefits
Group benefits, in one clearer picture.
Employee benefits can be part of how an employer competes for people and responds to what employees value. Clearstone helps bring health, protection, workplace savings and other employer arrangements into one clearer picture.
Health & protection
Savings & retirement
Employee & corporate benefits
Why employers invest
Benefits are part of the competition for people.
98%
Attracting and retaining talent
Cited by Canadian employers as a key motivation for investing in employee benefit plans — the single most common reason in the survey.
91%
Stay competitive
Employers plan to benchmark their benefits against market practices to remain competitive.
82%
Understand what employees value
Employers plan to prioritize a better understanding of employee benefit needs, preferences and perceptions.
88%
Keep benefits sustainable. Employers plan to develop a cost-containment strategy to keep benefit plans affordable.
Mercer Canada, Innovative and emerging benefits survey 2024–2025; 346 organizations. External employer research — not Clearstone data, and not a description of what a Clearstone arrangement will achieve.
What Clearstone works with
Start with what matters to your organization.
The benefits picture can span health and protection, workplace savings and other employee or corporate arrangements. Explore the three parts of the picture, then start with the part that matters most to your organization.
-
Health & Protection
Bring health and protection into the employment offer.
- Health & Dental Benefits
- Group Life Insurance
- Health Spending Accounts
-
Savings & Retirement
Bring longer-term workplace savings into the picture.
- Group RRSPs
- DPSPs Deferred Profit Sharing Plans
-
Employee & Corporate Benefits
Leave room for other employer arrangements where they fit.
- Other Employee and Corporate Benefits
Not sure which part of the picture matters most?
Get StartedThe Clearstone approach
Start with the employer. Then look across all three.
Clearstone works with employers across health and protection benefits, workplace savings and other employer arrangements — beginning with what the organization is trying to understand rather than with a single product. The arrangements stay distinct; the employer conversation does not have to.
Employer / plan decision-maker
Workplace benefits picture
Health & Protection
Savings & Retirement
Employee & Corporate Benefits
Employees / participants
Clearstone
a role around the pictureProviders / administrators
a role around the pictureWhy Clearstone
Independent. By structure.
The conversation does not have to begin with one bank, one insurer or one product shelf.
Clearstone is an independent licensed practice. Not a bank. Not a franchise. Not owned by or affiliated with any single lender or insurer.
Start with the employer question.
Begin with what the organization is trying to understand — not a wall of products.
More of the benefits picture.
Health and protection benefits can sit alongside workplace savings and other employer arrangements in the same employer conversation.
Insurance relationship
Insurance products are distributed through IDC Worldsource Insurance Network Inc.
Ready to explore what benefits could look like for your organization?
Whether you are putting benefits in place for the first time, reviewing what already exists, or approaching a change, start with the employer question.