Plan design
We build a plan around your team, your industry and your budget, so you pay for coverage people use.
Supporting businesses and the people behind them.
Group benefits consulting for Canadian employers of every size. We help you build a plan your team values, at a cost your business can sustain.
About us
Helping Canadian businesses with benefits since 2010
Since 2010, Glob Benefits has been helping Canadian businesses navigate the world of employee benefits with confidence.
We provide group benefits consulting to businesses of all sizes, helping employers build benefit programs that balance employee needs with long-term cost sustainability. From plan design and market reviews to renewals, claims analysis and ongoing support, we work closely with our clients to find practical solutions that make sense for their business.
We believe benefits should not be complicated. Our approach is simple, responsive and built around understanding each client's needs.
2010Founded
TorontoHead office
All sizesBusinesses we serve
What we do
Group benefits, start to finish
Whether you're setting up your first plan or reviewing one you've had for years, we handle the details and explain your options in plain language.
Market reviews
We compare your plan with what other Canadian insurers offer and show you where you can save or improve.
Renewals
Before you accept a renewal increase, we review it, negotiate with the insurer and look at your other options.
Claims analysis
We look at how your plan is being used and what is driving costs, then recommend practical changes.
Ongoing support
Help with enrolment, employee questions and plan changes. You have one team to call.
New plans
No plan yet? We guide you from first quote to first claim, with no cost to compare.
Coverage we arrange:
Extended healthDentalLife and AD&DShort and long-term disabilityCritical illnessHealth spending accountsEmployee assistance (EAP)Virtual care
Why offer benefits
Good for your people, good for your business
A group plan is one of the most valued things an employer can offer. For a small business, it often costs less than people expect.
For your business
- Hire and keep good people. Benefits are often what makes a candidate choose you over a larger company.
- Tax-deductible. Premiums for a group plan are generally a deductible business expense.
- Healthier, more productive teams. People get care sooner when it's covered, which means fewer sick days.
- Room to grow. Plans can start with as few as two people and expand as you hire.
For your employees
- Lower costs than buying alone. Group rates are usually better than individual plans.
- Coverage for the whole family. Spouses and dependent children can be added.
- Tax-advantaged. Health and dental benefits are generally tax-free to employees outside Quebec.
- Easy claims. Most claims are made online or through an app, often paid directly to the provider.
General information only. Tax treatment can vary by benefit and province, so please confirm with your accountant.
Plan options
Start simple. Add more as you grow.
Every plan is built for the client, but most small businesses start from one of these three levels.
Essential
Core protection
A solid starting point for a first plan.
- Prescription drugs
- Basic dental
- Paramedical (physio, massage, chiro)
- Group life insurance
Most popular
Complete health and dental
The most common choice for growing teams.
- Everything in Essential
- Major dental
- Vision care
- Employee assistance program (EAP)
- Virtual care
Enhanced
Full package
For employers who want to stand out.
- Everything in Complete
- Long-term disability
- Critical illness
- Orthodontics
- Health spending account
Who we work with
Plans for businesses like yours
From two-person offices to established companies, we tailor each plan to how your industry works.
Professional officesAccounting, legal, consulting
Healthcare clinicsDental, physio, medical
Construction and tradesContractors, field crews
ManufacturingPlants and warehouses
TechnologyStartups and software firms
Retail and hospitalityStores, restaurants
Non-profitsCharities and associations
Family businessesOwner-managed companies
How we work
Benefits, built better
A clear process from your first call through every renewal.
Understand your business
We learn about your team, your budget and what matters most to you.
Review the market
We gather quotes from leading Canadian insurers so you don't have to.
Recommend and set up
We compare the options side by side, then handle the setup and enrolment.
Support and renew
We answer questions all year and review your plan at every renewal.
Common questions
Questions employers ask us
Don't see your question? Call us at 1-226-258-9024.
How many employees do I need for a group plan?
Most Canadian insurers offer group plans to businesses with as few as two people, including the owner. Employees usually need to be permanent and working a minimum number of hours each week, often 20 to 30.
How much does a group benefits plan cost?
It depends on your team's size, ages, where you are and the coverage you choose. For small businesses, a health and dental plan often falls somewhere around $150 to $275 per employee per month. We'll give you real quotes so you can decide with actual numbers.
Does it cost anything to work with Glob Benefits?
There's no cost to request a quote or have us review your current plan. We'll explain how we're paid before you make any decision.
Do employees have to pay part of the cost?
That's your choice. Some employers pay 100%, and others share the cost, for example 50/50 or 80/20. We'll help you choose a split that works for your budget.
Can I switch insurers if I already have a plan?
Yes. Most businesses review the market at renewal. We compare your current plan with other insurers and handle the move so coverage continues without a gap.
Why did my renewal go up, and can it be lowered?
Renewals reflect your group's claims, inflation in drug and dental costs and the insurer's pricing. We look at the numbers behind the increase, negotiate with your insurer and show you other options, including plan design changes.
How long does it take to set up a plan?
Usually a few weeks from your first call to coverage starting. Insurers often apply a short waiting period for new employees, which you can choose.
Get a quote
Let's talk about your benefits
Tell us a little about your business and we'll be in touch to discuss your options.