Are Benefits Worth It? · Kelowna, BC
Not Sure if Benefits Make Sense for Your Business? Let's Find Out.
If you've never looked into group benefits, or looked once and it didn't seem worth it, this is a two-minute way to actually see what fits. No sales pitch, no obligation, just a straight answer.
The Business Case
Reasons Every Business Should Take a Look
Group benefits aren't just a nice-to-have. Here's what they actually do for a business.
The Most Tax-Efficient Way To Pay Your Employees
What you pay toward health and dental premiums is generally fully tax-deductible for your business, and your employee receives that coverage as a non-taxable benefit. Everyone wins.
Risk Deferral and Cost Sharing
An insured drug plan defers critical risk to an insurer, and group volume lends to predictable, manageable health costs. Both are risks most people cannot afford to carry alone. Routine health costs are hard enough out of pocket, and a group plan keeps everyday care affordable while shifting the risk of the big, unexpected cost onto the insurer.
More Flexible and Stable Than You'd Expect
Group coverage can be more flexible and stable than most business owners assume. If a past plan left a bad experience, there's likely a structure that solves exactly what went wrong, and it's worth a fresh look before writing it off for good.
Helps You Attract the People You Need
A business is only as good as the people running it. Group coverage plays a real role in attracting the employees you need to maintain and grow, and it's one of the clearest ways to stand out to the candidates you actually want.
Helps You Keep the People You've Trained
Every business owner has watched a well-trained employee walk for a small raise, or a few extra benefits, somewhere else. Coverage built around your team's real needs is one of the most effective ways to protect the time and money you've already invested in them.
Why Owners Put This Off
Many of the Usual Issues With Benefits Structures Have Been Resolved
"We're too small."
No longer an issue: we have exclusive access to a large national pool, so you don't have to carry your own claims history or administration costs. Plans exist for you even if you have no additional employees.
"It's too expensive."
What's often too expensive are the administration costs, not the coverage itself. Employer-paid premiums are generally a tax-deductible business expense, and plan designs exist at many price points, so cost control doesn't have to mean no coverage at all.
"We tried before, it didn't work out."
Often the real problem is the renewal structure, not the coverage itself, and most groups never actually got to choose. Worth a fresh look before ruling it out for good.
Free Assessment
Four Quick Questions, One Straight Answer
Browse Plan Designs
A Sample of What's Available, Side by Side
These are some of the current plan designs within fully pooled options, shown for comparison. They're a starting point for a conversation, not a quote. Check up to four plans above and use the bar at the bottom of the screen to see them side by side.
Side-by-Side
Plan Comparison
Ready for Real Numbers
Request an Actual Quote
A few company details and a quick census for your team, and Ralph can put together accurate numbers instead of a general estimate.
How long has your business been operating?
Most carriers require a business to be operating for at least a year before they'll quote group coverage. There's nothing to fill out yet, so bookmark this page and come back once you hit that mark, or book a free call now so we can plan ahead together in the meantime.
Book a Free Call to Plan AheadEmployee Census
A name, date of birth, gender, marital status, province of residence, occupation, weekly hours, gross monthly wage or hourly pay, and coverage type for each employee, including yourself if you'll be on the plan. This is exactly what carriers need to underwrite accurate numbers instead of a rough guess.
Everything you entered above is already filled in below. Give it a quick look and hit Submit.
What Clients Say
Business Owners Who Took the Same Look
“Ralph was incredibly patient with me. He walked me through customized options where our staff can fully utilize their benefits without breaking the bank for us as the employer, so nobody needs to overpay for things that don’t get used.”
“Ralph manages all our company benefits, hands down the best customer service in the industry. He takes the time to ask questions to thoroughly understand what’s needed even if I didn’t know exactly what I was looking at or why.”
“Ralph at Sterling Benefits was able to offer my painting company an unbelievable benefit package that has helped me hire great employees because of this.”
Common Questions
Frequently Asked Questions
Is my business too small to offer benefits?+
Not likely, we usually suggest using a fully pooled option for very small businesses, meaning your premiums sit in a shared risk pool with many other small employers, so a tough claims year for one business doesn't spike just their own renewal. You can have a plan even if it is just you.
What if I looked into this before and it didn't work out?+
A lot can change between one look and the next, and the real driver behind a disappointing renewal is often the plan's renewal structure rather than benefits themselves. Worth a fresh, no-pressure look rather than writing it off for good.
Will this cost me a lot?+
The cost that affects you the most is the administrative cost. If that percentage is too high, the plan will eventually cost too much. Employer-paid group premiums are generally a tax-deductible business expense, and plan designs exist at several price points, so cost control doesn't have to mean cutting coverage entirely. The assessment shows you a plan built with your budget priorities in mind.
How is this different from the Compare My Current Plan tool?+
Compare My Current Plan is for businesses that already have a benefits plan and want it compared against what's available. This assessment is for businesses that don't have one yet, or dropped the idea before, and want to explore whether it makes sense now.
Is the plan I'm shown here an actual quote?+
No, there are no quotes on this site. You're able to see available plan designs and get some information. It's a starting point for a conversation, built from what you told us, not a bound quote. Every group is underwritten individually, so the next step is always confirming the details together.
What happens after I finish the assessment?+
Nothing pushy. You'll see your results immediately and can browse the plan designs on your own. If it's useful, book a free consultation or email your results to Ralph. There's no obligation or pressure in the follow-up.
Ready to Talk It Through?
Let's Find Out What Actually Fits
Book a Free ConsultationAlready have a plan and just want it reviewed? Try our Compare My Current Plan tool instead.