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Quebec Employee Benefits Program

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Quebec Employee Benefits Program: The Coverage Overview

Quebec Employee Benefits Program Overview


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Quebec is second only to Ontario in the number of businesses including small, medium and large-sized enterprises. There are about 236, 688 businesses in Quebec, which includes 327 large businesses. Most of the businesses compete and want to attract the best employees.

The key to attracting and retaining quality people in Quebec is the Quebec employee benefits program you offer. With a Quebec group benefit plan, you will not just ensure that your employees are safe and have peace of mind but go a long way to offer them the satisfaction they desire.

An attractive Quebec employee benefits program is all you need to protect your employees and their families while also protecting your business. You can also design the benefits program in such a way that your employees can maintain their health coverage even after leaving your company.

To get an immediate Quebec employee benefits program quote, click here.

Quebec Employee Benefits Program Details


Quebec Employee Benefits Program Advantages

  1. With the Quebec employee benefits program, you can provide additional compensation to your employees rather than increasing their taxable salary.
  2. In every cost associated with the employee benefits program, the employer will get a tax deduction.
  3. The Quebec group benefits plan protects the employees and their family members against financial expenses due to emergency medical or dental expenses.
  4. Rather than buying health coverage with after-tax money, your employees can enjoy tax-free health coverage with the benefits program.
  5. The employer can provide the benefits program at a fixed rate and the plan is automatically administered by an insurance company.

To learn more about Quebec employee benefits program, click here.

Quebec Employee Benefits Program Benefits

Quebec employers provide a lot of benefits to their employees through the Quebec employee benefits program. Some of these benefits are as follows.

  1. Life Insurance and Spousal/Dependant Coverage
  2. Accidental Death and Dismemberment
  3. Prescription Drug Coverage
  4. Paramedical Coverage (Chiropractors, Therapists, etc.)
  5. Group Pension Plans
  6. Group RRSP Plans
  7. Short Term Disability
  8. Long Term Disability
  9. Extended Healthcare/Visioncare
  10. Dental Coverage
  11. Out-Of-Country Emergency Medical (Travel)
  12. Critical Illness Insurance

To get an immediate Quebec employee benefits program quote, click here.

Quebec Employee Benefits Program Package

Employee benefits programs are becoming increasingly complex and also flexible. Due to the complexity, it is recommended for employers to seek the help of experienced professionals such as brokers or benefits consultants to help you to navigate through the process of setting up the program in order to avoid the problem of growing liabilities and steep cost.

Brokers can offer you expert guidance and also relevant data for the best result in your benefits investment. Since brokers are hired and paid by the insurance company, you may be able to get their services at little or no extra cost. For the best result, it is better to get proposals from various brokers in order to access the value and costs from a different point of view.

To learn more about Quebec employee benefits program legislation, click here.

Quebec Employee Benefits Related Pages

Quebec Employee Benefits Program Savings

When setting up a Quebec employee benefits program, employers take advantage of several measures to save cost in the long-term. Some of these cost-saving measures are as follows:

  1. Considering co-insurance or the level of coverage.
  2. Adding deductibles into the coverage.
  3. Placing a cap or a limit on the coverage amount.
  4. Sharing the premium cost between the employee and the company.
  5. Reducing the carry-over of unused sick days.

To learn more about Quebec employee benefits program, click here.

Quebec Employee Benefits Program News

Hub International continues in its acquisition spree by purchasing the shares of Les Avantages Sociaux Delta Inc, operating as dElta Group. The terms of the acquisition were not disclosed.

Delta Group is a multidisciplinary benefits brokerage based in Montreal. The benefits brokerage works with medium and large sized businesses in Canada as it provides actuarial services and also provides group and retirement insurance plans as well as human resources and disability management.

The dElta group was formed by the merger of Les Avantages Sociaux Delta Inc., Le Groupe Financier Tanner-Deland Inc., and Ressources Humaines Delta Inc. The group will join Hub Quebec.

Roger d’Eschambault, founder and chairman of dElta Group said has always had the goal to be a strategic employee benefit and HR partner for clients since it was founded over 20 years ago. Eschambault now reports to Hub’s president, Stephen Blais.

To learn more about Quebec employee benefits program, click here.

Quebec Employee Benefits Program FAQ


What is a group benefits plan?

Quebec group benefit plan is an interesting way for employers to provide benefits in the form of a compensation package to their employees as a group. This is usually outside the benefits provided by the provincial or territorial government.

Can my employer take away benefits?

An employer may be able to take away the benefits he/she offers the employers but this is not a good business decision. However, employees can protect their benefits with an employment agreement. They can also do so with the federal or state law.

Do you have to give full-time employees benefits?

Employers are not required by law to provide benefits to their employees but if there is an agreement, the employer should provide the benefit. Moreover, most full-time employees usually expected health coverage from their employers and it could really influence their choice of workplace.

What are the four major types of employee benefits?

Quebec employers offer four main types of benefits to their employees. These include medical insurance, life insurance, disability insurance, and retirement plans.

To get an immediate Quebec employee benefits program quote, click here.

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