Group Benefits & Pension
Our Partnership with Wealth Planning Group
At Benefit Planning Group Manitoba, we’re proud to collaborate with Wealth Planning Group. By combining our deep local expertise in employee benefits with their proven track record in wealth management, we can offer you truly comprehensive, tailored strategies that both protect and grow your assets. Together, we deliver personalized guidance and peace of mind, so you can focus on what matters most.
Employee Benefits Overview
Explore our comprehensive suite of benefit plans designed to support your team’s well-being and financial security.
Employers self-insure benefits and purchase administrative services from insurance providers, including:
- Administration manuals
- Employee communication
- Benefit payment processing
- Government reporting
- Plan descriptions
Usually paired with stop-loss insurance for catastrophic protection.
Pays lump sums upon diagnosis of serious diseases such as:
- Cancer
- Multiple Sclerosis (MS)
- Heart conditions
- Alzheimer’s
- Stroke
- And more
Government-incentivized savings plans offering:
- Tax deferral benefits
- Spousal income-splitting options
- Provisions for education/home purchases
Key benefits include:
- Attracting and retaining talent
- Enhanced employee morale
- Secure financial futures
- Flexible, cost-effective plan designs
- Easy payroll deduction
- Lower fees and tax savings
- Varied investment options
Important retirement planning options include:
- Defined Benefit Plans: Known retirement benefits; funding requirements may vary.
- Defined Contribution Plans: Known contribution amounts; final benefits depend on investment performance.
- Registered Pension Plans (RPPs): Employer and employee contributions are tax-deductible and tax-deferred until withdrawal.
Employer-sponsored Deferred Profit Sharing Plans share profits with employees. Key features:
- Tax-deferred income for employees (employees act as trustees)
- Enhances talent attraction and retention
- Boosts employee morale
- Flexible plan design
Usually paired with stop-loss insurance for catastrophic protection.
Customized benefits for Canadian auto dealers and their employees, managed by a Dealer Trustee Committee and backed by industry leaders. Includes:
- Life insurance
- Disability coverage
- Health, dental, and vision plans
- Travel insurance
Tax-deductible, employer-funded accounts that reimburse uncovered health, dental, and vision expenses. Typical features:
- Cost Plus & Flex benefit options
- Customizable for all or select employee groups
Group Health & Dental Plans
We provide tailored, competitive group benefit plans suitable for companies of any size, including:
Extended Health Care
Supplementary coverage for illness or injury beyond provincial plans.
Out-of-Canada Emergency Care
Coverage for emergency medical treatments abroad.
Dental Care
Coverage for exams, cleanings, fillings, x-rays, and basic dental maintenance.
Vision Care
Coverage for prescribed eyeglasses/contact lenses and possibly eye exams.
Employee Assistance & Wellness Plans
Cost-effective mental health support, substance abuse counseling, family and marital guidance, and debt management.
Best Doctors®
Access to top medical specialists for serious illnesses.
CADA 360™
Comprehensive, customizable employee benefit plan specifically for Canadian automotive dealers, covering life, disability, health, critical care, dental, travel insurance, and retirement savings.