Group Benefits - Yasmin Bedoya
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Group Benefits

ATTRACT AND RETAIN TOP TALENT WITH TAILORED PLANS

For businesses with as few as 3 employees, I design benefit "vehicles" that protect your most valuable asset: your people.

Note: Group Benefit solutions are available for businesses in Alberta, British Columbia, Ontario, Saskatchewan, and Manitoba.

Benefits for the Employer: Strengthening Your Business

Providing a benefits plan is a strategic investment that yields long-term dividends for your company in cities like Calgary, Toronto, or Winnipeg.

Attract & Retain Top Talent

Stand out as an employer of choice by offering security to high-performing professionals and their families.

Tax Advantages

In most cases, premiums paid by the employer are a 100% tax-deductible business expense.

Increased Productivity

By providing access to preventative care (dental, vision, mental health), you reduce absenteeism and ensure a healthier, more focused workforce.

Corporate Stability

Shield your business from the financial strain of a key employee’s long-term disability or critical illness.

Benefits for Employees & Families: Comprehensive Security

We bridge the gap between provincial health plans and the real-world costs of family care

One of the biggest hurdles in the Canadian insurance market is obtaining coverage after a health setback. Many people believe that once they have been declined by an insurance company or have a pre-existing condition, they can no longer protect themselves.

Health & Prescription Drugs

  • Pre-existing Conditions IncludedUnlike individual plans, our group "vehicles" include prescription drug coverage even for employees with pre-existing conditions.
  • Immediate AccessEmployees and their families can access their drug benefits from day one.

Dental Care

  • Start Right AwayWe prioritize immediate care. Dental benefits apply right from the beginning of the policy, covering cleanings, X-rays, and fillings without standard waiting periods.
  • Family SupportCoverage extends to spouses and dependent children, ensuring the whole household is protected.

Disability Insurance

  • Short-Term & Long-Term DisabilityIf an employee is unable to work due to an accident or illness, the plan replaces a portion of their income, ensuring they can pay their bills while they recover.

The Knowledge Gap: A Plan That Grows With You

One of the most unique features of the strategies I provide is Scalable Coverage. We understand that a startup in Saskatoon has different needs than an established firm in Vancouver.

Build a Stronger Team Today

Don't wait to lose a great employee to a competitor with better benefits. Let’s design a growth-oriented roadmap for your company.

Book a Free Consultation
Yasmin Bedoya — Independent Insurance Broker in Calgary, Canada
WHY IT MATTERS

The Broker Advantage

The biggest mistake many Canadians make is walking into their local bank and accepting a "one-size-fits-all" policy. As an independent broker licensed since 2020, I work for you, not the insurance companies.

  • Custom Comparison I analyze the top Canadian carriers to find the best rates and coverage terms.
  • Bilingual Guidance (EN/ES) I explain complex clauses in both English and Spanish, so you fully understand your beneficiary designations and policy riders.
  • No Judgment My approach is rooted in transparency and honesty, focusing on your specific financial roadmap.

Frequently asked questions group benefits

What is the minimum number of employees required to start a plan?

You only need a minimum of 3 employees to qualify for a robust group benefits "vehicle." This allows small businesses and startups to offer the same level of security and professional drug and dental coverage typically reserved for large corporations, helping you stay competitive from day one.

Are pre-existing conditions covered under a group plan?

Yes, this is one of the most significant advantages of group insurance. Unlike individual plans, where health history can limit coverage, our group "vehicles" include prescription drug coverage for all employees, regardless of their pre-existing conditions, ensuring no one on your team is left behind due to their medical history.

How soon can my employees start using their dental and drug benefits?

We prioritize immediate care by eliminating standard waiting periods. In the plans I design, dental benefits for cleanings, X-rays, and fillings, as well as prescription drug coverage, typically apply right from the beginning of the policy. This ensures your team feels the value of their benefits package immediately.

Are the premiums paid by the employer tax-deductible in Canada?

Absolutely. In the vast majority of cases, the premiums paid by the employer for a Group Benefits plan are considered a 100% tax-deductible business expense. This makes a benefits package a highly efficient strategic investment, as it protects your staff while reducing your company's overall taxable income.

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