{"id":14829,"date":"2024-08-19T15:05:31","date_gmt":"2024-08-19T15:05:31","guid":{"rendered":"https:\/\/www.rbcinsurance.com\/en-ca\/?p=14829"},"modified":"2026-04-07T18:38:37","modified_gmt":"2026-04-07T22:38:37","slug":"how-to-make-your-group-benefits-plan-work-for-you","status":"publish","type":"post","link":"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/general-insurance\/how-to-make-your-group-benefits-plan-work-for-you","title":{"rendered":"How to Make Your Group Benefits Plan Work for You"},"content":{"rendered":"\n<div class=\"wp-block-rbc-template-selector templateSelector template__article articleSingle\" data-template=\"article\">\n<div class=\"wp-block-group articleSingle__container tabListStickyWrapper is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero__inner is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span><\/span>\n\n\n\n<div class=\"wp-block-group articleSingle__featuredImage__group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__title__group is-layout-flow wp-block-group-is-layout-flow\"><h1 class=\"wp-block-post-title\">How to Make Your Group Benefits Plan Work for You<\/h1>\n\n\n<div class=\"wp-block-group articleSingle__date__group is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-post-date\"><time datetime=\"2024-08-19T15:05:31-04:00\">August 19, 2024<\/time><\/div>\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__readTime\">7 Min Read<\/span>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__author__group is-layout-flow wp-block-group-is-layout-flow\">\n<img decoding=\"async\" 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srcset=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/08\/RBCI_Group_benefits.jpg 2121w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/08\/RBCI_Group_benefits.jpg?resize=300,200 300w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/08\/RBCI_Group_benefits.jpg?resize=768,512 768w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/08\/RBCI_Group_benefits.jpg?resize=1024,683 1024w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/08\/RBCI_Group_benefits.jpg?resize=1536,1024 1536w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/08\/RBCI_Group_benefits.jpg?resize=2048,1365 2048w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/08\/RBCI_Group_benefits.jpg?resize=420,280 420w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__container__main is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__page__nav is-layout-flow wp-block-group-is-layout-flow\">\t\t<div class=\"socials-block\">\n\t\t\t\t\t\t<p class=\"socials-block-title\">\n\t\t\tShare this article\t\t<\/p>\n\t\t<div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n\t\t\t\t\t<a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=How to Make Your Group Benefits Plan Work for You &#038;body=Hi, I thought you might be interested in this article from RBC Insurance: https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/general-insurance\/how-to-make-your-group-benefits-plan-work-for-you\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n\t\t\t\talt=\"envelope 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aria-expanded=\"false\"><span class=\"selectDropdown__title\">What are group benefits?<\/span><span class=\"selectDropdown__chevron\"><\/span><\/button><ul class=\"tabsList__items selectDropdown__list\"><li class=\"selectDropdown__list__item tabsList__item selected\"><a href=\"#h-what-are-group-benefits\">What are group benefits?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-how-do-group-benefits-work\">How do group benefits work?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-what-do-group-benefits-cover\">What do group benefits cover?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-how-do-i-make-the-most-of-my-employee-benefits\">How do I make the most of my employee benefits?<\/a><\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__content__main tabListHeadings is-layout-flow wp-block-group-is-layout-flow\">\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner \" style=\"border-radius:0x\">\n<p>According to a recent survey by RBC Insurance, Canadians with employee benefits through a group insurance plan experience far greater financial health and mental well-being than those without.<\/p>\n\n\n\n<p>\u201cKnowing that you and your family are covered through your workplace benefits if an unforeseen event were to happen can greatly enhance feelings of overall well-being,\u201d says Andrejka Massicotte, head of group benefits at RBC Insurance. \u201cThere\u2019s an invaluable peace of mind that comes from knowing that you can access and benefit from health and wellness supports without having to worry about how to afford that care.\u201d<\/p>\n\n\n\n<p>Read on to learn why group insurance through your employer is a valuable benefit and how to maximize your coverage.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-key-takeaways\">Key takeaways<\/h3>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>\u201cGroup benefits\u201d refers to insurance that\u2019s provided to a group of people, typically by an employer to its employees.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Your employer may cover some or all of your premium, meaning you\u2019ll likely pay less for this type of insurance than you would for an individual plan.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Group insurance may provide a variety of coverage: life insurance, disability insurance, extended health and dental benefits, accident insurance, virtual support, and more.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>If your family has access to multiple group plans, you\u2019ll also want to coordinate coverage with your spouse or common-law partner.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>If your family has access to multiple group plans, you\u2019ll also want to coordinate coverage with your spouse or common-law partner.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-group-benefits\">What are group benefits?<\/h2>\n\n\n\n<p>Also known as \u201cemployee benefits,\u201d \u201cworkplace benefits,\u201d or \u201cgroup insurance,\u201d \u201cgroup benefits\u201d are insurance and well-being offerings provided to groups of people, like a company\u2019s employees. These plans may include life, accident, disability and critical-illness insurance as well as health products and services not included in provincial health care. These services can range from dental and eye care to prescription drugs, massages, and more.<\/p>\n\n\n\n<p>Unlike individual insurance you might purchase on your own, group insurance benefits are provided by your employer, who may pay for some or all of their cost. Group benefits are often part of a total compensation package, which might also include things like RRSP matching, paid vacation and sick days, bonuses, and stock options.<\/p>\n\n\n\n<p>Group insurance coverage typically has lower premiums than individual coverage. The eligibility criteria also tends to be less rigid.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-do-group-benefits-work\">How do group benefits work?<\/h2>\n\n\n\n<p>For you to enjoy the perks of group benefits, your employer will have to sponsor a plan from a provider like RBC Insurance. If your employer already has a group plan when you\u2019re hired or introduces a new one during your employment, here\u2019s what you can expect:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>The choice to opt in or out: <\/strong>Some plans provide the same level of coverage to all employees, while others allow selection.You may be able to choose which benefits you want to opt into or what coverage level you require.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p> <strong>Premium-cost-sharing: <\/strong>Most of the time, your employer will pay part of your premium and you will pay the rest, with the amount being deducted from your paycheque. In some instances, the employer will pay the entire premium.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>The chance to review coverage periodically:<\/strong> You may be able to review your coverage and make changes at various points in time (for example, every year or every two years). Note that premiums on group plans are subject to change.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-do-group-benefits-cover\">What do group benefits cover?<\/h2>\n\n\n\n<p>Each group insurance plan is unique, so the benefits will depend on the employer and its insurance provider. Here are some typical elements of a group plan:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-life-accident-disability-and-critical-illness-insurance\">Life, accident, disability, and critical-illness insurance<\/h3>\n\n\n\n<p>Your group benefits package may include coverage for you and your family members in the case of unexpected illness, disability, dismemberment, or death.<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Life insurance:<\/strong> In the event of your death, this type of insurance provides a lump sum \u201cdeath benefit\u201d to help your family cover funeral expenses, debts, living expenses, etc.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Accidental death and dismemberment (AD&amp;D) insurance: <\/strong>Not a replacement for traditional life insurance, AD&amp;D insurance provides coverage in the case of an accident (say, a workplace incident, traffic collision, drowning, or fall) that results in death or dismemberment.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Short-term and long-term disability insurance: <\/strong>If you become ill or injured and cannot work for a period of time, disability insurance provides a monthly payout equal to a portion of your regular income\u2014generally between 60 and 85 per cent\u2014provided you meet the plan requirements.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Critical-illness insurance:<\/strong> If you receive a life-altering diagnosis, such as cancer, stroke, heart attack, or dementia, this insurance provides a lump sum to help cover treatments, home or lifestyle alterations, and loss of income.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-health-and-dental\">Health and dental<\/h3>\n\n\n\n<p>Your group health insurance can help supplement your provincial health coverage. Your group plan may offer coverage in the following areas:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Prescription drugs<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Dental care<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Eye exams and eyeglasses<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Paramedical services, such as massage, physiotherapy, and nutrition coaching<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Mental-health services<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Out-of-province or out-of-country emergency medical care or travel expenses<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Health-spending accounts (to cover eligible health and dental expenses not reimbursed by the plan)<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Wellness-spending accounts (to cover things like a gym membership, sports equipment, supplements, and fitness trackers)<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Some of these benefits may even extend to your eligible partner and\/or dependent children.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-virtual-services\">Virtual services<\/h3>\n\n\n\n<p>Your physical and mental health are priorities, but in-person medical appointments, therapy sessions, and prescription pick-ups take valuable time. (Plus, appointments can sometimes be hard to get!) Your group benefits might offer some of these virtual services so you can take care of your health quickly and easily:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Employee-assistance program for accessing short-term counselling, among other services<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Virtual mental-health and wellness programs<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Virtual services to help with chronic-disease management<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>On-demand access to doctors and specialists who can diagnose health issues, write prescriptions, order diagnostic tests, and provide referrals<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-do-i-make-the-most-of-my-employee-benefits\">How do I make the most of my employee benefits?<\/h2>\n\n\n\n<p>There are a few ways you can make your employment benefits work at maximum capacity:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Understand your coverage needs:<\/strong> Your group plan may offer multiple types of coverage. Learn what each type includes, and choose the benefits that work best for you and\/or your partner and children. Speak to your plan administrator if you have any questions.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Know your plan maximums: <\/strong>You don\u2019t want to leave money on the table, but you also don\u2019t want to overspend if you can avoid it. Make sure you know how much money you can claim in each area: dental, eye care, paramedical services, and more. Also be aware of whether\u2014and how frequently\u2014these limits reset.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Keep your reset date in mind:<\/strong> Know when your benefits reset! If it\u2019s once a year on January 1, make sure you submit all your eligible expenses for the year by that date. Some benefits, like eyeglasses coverage, may reset every two years.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Coordinate coverage with your partner:<\/strong> If you have a spouse or common-law partner, you may be able to benefit from each other\u2019s group insurance plans. If your insurance doesn\u2019t cover certain areas, your partner\u2019s plan may be able to top yours up and vice versa.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>You\u2019ll be able to make the most of your employment benefits by carefully considering all your options, familiarizing yourself with your coverage, and keeping an open line of communication with your plan administrator. You\u2019ll also be more likely to reap the rewards of physical and financial well-being.<\/p>\n\n\n\n<p><em>Visit <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/group-benefits\/\">Group Benefits &#8211; RBC Insurance<\/a> to learn more about RBC Insurance Group Benefits Solutions.<\/em><\/p>\n\n\n\n<div class=\"wp-block-rbc-section-inner-block  section-inner block-wpr bg-light-blue rounded-corners pos-rel pad-l pad-r mob-pad-r centered-block mob-pad-l pad-t mob-pad-t pad-b mob-pad-b\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center mar-t mar-b-hlf mob-mar-b-hlf mob-mar-t\" id=\"h-rbc-insurance\">RBC Insurance<\/h2>\n\n\n\n<p class=\"has-text-align-center\">We make it easy to find expert advice, money-saving tips, and a range of insurance options for every moment of life.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\"><div>\n<div 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provided through your employer can have wide-ranging benefits for your financial, physical, and mental health.<\/p>\n","protected":false},"author":128,"featured_media":14837,"comment_status":"open","ping_status":"open","sticky":false,"template":"templates\/new-rbci-design.php","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[44],"tags":[99,98],"article-type":[80],"ppma_author":[190],"class_list":["post-14829","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-general-insurance","tag-group-benefits","tag-workplace-benefits","article-type-advice-learning"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How to Make Your Group Benefits Plan Work for You | RBC Insurance<\/title>\n<meta name=\"description\" content=\"Making the most of group insurance provided through your employer can 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