Services

This can replace or complete the coverage offered by the RAMQ.

Through this coverage, employees will obtain full reimbursement or a percentage of the costs incurred for drugs, paramedical care (chiropractor, physiotherapist, etc.), medical devices, fees for eye exams and fees for medical care abroad.

This coverage provides full reimbursement or a percentage of the costs incurred during dental visits. Depending on the plan, cleanings, exams, x-rays, fillings and more can be covered.

This coverage makes it possible to pay a sum of money to beneficiaries or dependents designated by the deceased employee. Again, the amount may vary depending on the plan and the employee’s annual salary.

If this benefit is part of your group insurance coverage, it will allow the employee to receive part of their salary in the event of disability. The service and the number of weeks covered vary depending on the coverage chosen.

This is valid in the case of a serious accident. An additional amount may be paid in the event of death or in the event of mutilation.

This program, commonly known as the EAP, is a complementary service offered to employees and their families, usually including counseling and legal assistance.

When telemedicine is included in your plan, it allows you to access teleconsultation with nurses, doctors or other health professionals.

This way, you quickly have access to medical service. You can even receive medical prescriptions without leaving the office.

It is possible to improve your plan with a health account which allows participants great flexibility. This option gives you the chance to customize the plan for each participant.

In summary, an « x » amount of credit is allocated to participants so they can decide for which services they want to apply. Therefore, the participant can make choices suited to their situation and that of their family.

The Voluntary Retirement Savings Plan is a group retirement savings plan offered by the employer and administered by an authorized administrator. It is subject to the Voluntary Retirement Savings Plan Act. The VRSP is a simple plan.

A group Registered Retirement Savings Plan is a plan offered to all employees of the same company and overseen by the employer. Each individual has their own account and can choose their investments. The employer can also contribute to a maximum established beforehand by the employer.

The Deferred Profit Sharing Plan is a plan that allows the company to share part of its profits with its employees. Only the employer can contribute. Therefore, the employee benefits from a plan without having to pay any contribution. The DPSP thus provides the employee with a tax-deferred income.

The Individual Pension Plan is tailor-made for business owners as well as for the self-employed whose average annual income is generally over 75,000$.

It is a defined benefit pension plan; the amount of the pension is known in advance. Contributions are the employer’s responsibility and are deductible from the income of the company.

It is a specific investment focused on the savings of active workers and based on income. Pension funds are powered by employees and company/employer savings.

This type of plan is found in very large companies that provide a defined benefit or a defined contribution plan. The projection for retirement is normally calculated by actuaries.

A Simplified Pension Plan ensures that the amounts paid by the employer are locked in exclusively for retirement and grant the member a retirement pension for life.

However, the mandatory amounts paid by the employee can be locked in or not, at the employer’s choice. Finally, the voluntary contributions paid by the employee are not locked in.

The group Tax-Free Savings Account is a plan offered to all employees of the same company and overseen by the employer. Each individual has their own account and can choose their investments. The employer can also contribute to a maximum established beforehand by the employer.