Your team
Look after your people with a plan your business can sustain. Whether you are offering benefits for the first time or approaching renewal, talk with Thomas Hull about your team, your current coverage and what you want to change.
Discuss your team’s benefitsYour enquiry goes to Thomas Hull. No obligation to take out a policy.
Your first conversation with Thomas
Use the first conversation to explain what you need, what you already offer and what you want to understand before comparing plans. These four details are a useful starting point. No employee medical information is needed.
Options and tradeoffs
Prescription drugs, dental and vision care may all appear in a plan. The useful comparison is how much the plan pays, the annual limits and what employees pay themselves. A lower premium can come with less coverage.
Health and dental benefits do not replace an employee’s income. If disability coverage is part of a proposed plan, compare when payments begin, how long they last and the policy’s conditions for receiving them.
Look at the employer’s contribution, the employee’s share and the work involved in managing the plan. At renewal, compare any price change alongside changes in coverage and your team before deciding what to keep or adjust.
Common questions
Yes. Start with your team size, priorities and budget. Available options and eligibility depend on the insurer and the proposed plan.
Yes. We can discuss your current coverage and what you want to change. A benefits summary and renewal date are useful starting points. Do not send employee medical information through the introductory form.
There is no single price for every business. Team size, selected benefits, coverage limits and how costs are shared all shape the discussion. Bring a budget range and, if you have a plan, its current cost and renewal information. Specific pricing comes from a quote for your circumstances.
General information to prepare for a conversation. Coverage depends on underwriting and the policy contract. Your circumstances require individual advice.
Further reading: Canada Life: Group benefits for small businesses
A family name behind the advice
