Group Benefits
Health, dental, and insurance benefit packages for your team — designed around your business, not a one-size-fits-all template.
Benefits That Actually Work for Small Business
Most group benefit plans are built for big companies and awkwardly scaled down for small ones. The result is a package that's either too expensive for what you get or too thin to actually attract the people you want to hire. Clearstone works with business owners to build benefit plans that fit — the right coverage at the right cost for the team you actually have.
All group benefit solutions are delivered through IDC Worldsource Insurance Network Inc., giving you access to multiple carriers and plan designs without being locked into a single provider's shelf.
What a Group Plan Can Include
Health & Dental
Extended health care and dental coverage for your employees and their families — the foundation most people look for in a benefits package.
Life Insurance
Group term life coverage that provides financial protection for your team members' families — often at rates significantly lower than individual policies.
Disability Insurance
Short-term and long-term disability coverage that replaces income if an employee can't work due to illness or injury.
Critical Illness
Lump-sum payments if an employee is diagnosed with a covered condition — giving them options and reducing the pressure to return before they're ready.
Employee Assistance Programs
Confidential counselling, mental health support, and wellness resources for your team — increasingly expected by employees and increasingly valuable for retention.
Health Spending Accounts
Flexible spending accounts that let employees allocate benefit dollars to the coverage they actually need — giving you cost control and giving them choice.
Why Benefits Matter for Your Business
Attract Talent
In a tight labour market, benefits aren't a perk — they're a deciding factor. A real benefits package signals that your business takes its people seriously.
Retain Your Team
Replacing an employee costs far more than keeping one. Benefits reduce turnover by giving people a reason to stay beyond just the paycheque.
Tax Efficiency
Group benefit premiums are generally a deductible business expense, and benefits received by employees are often non-taxable — making them more efficient than equivalent salary increases.
How Clearstone Handles It
We don't sell you a plan off a shelf. We start by understanding your business — how many people, what they need, what you can afford, and what matters most to your team. Then we go to market across multiple carriers through IDC Worldsource to find the plan design that fits. And we stay involved: annual reviews, renewals, plan adjustments as your team changes, and a direct line when something comes up.
Plan Design
We build the plan around your business, not the other way around. Coverage, contribution structure, and cost — tailored to your situation.
Ongoing Management
Annual reviews, renewal negotiations, employee onboarding support, and plan adjustments as your team grows or changes.
Multi-Carrier Access
Through IDC Worldsource, we access multiple carriers to find the best fit — you're not limited to one provider's products.
Coordination
Your group plan connects to the rest of your financial picture at Clearstone. If you're also a client for advisory, insurance, or mortgages, everything stays coordinated.
Who This Is For
Clearstone works with small and mid-sized businesses across Atlantic Canada — from two-person startups to established teams. Whether you're setting up your first benefits package, reviewing an existing plan, or looking for a better deal at renewal, a conversation is the right starting point.
Group benefit solutions are delivered through IDC Worldsource Insurance Network Inc. Insurance complaints: OLHI, 1-888-295-8112, olhi.ca.