Group benefits for real life

A plan that works for your business.

Starting a benefits plan or rethinking the one you have? Destiny Benefits Group helps Edmonton employers compare coverage, understand the costs and choose what fits their team.

Explore your options Review your current plan

Good for your people. Smart for your business.

We’ll help you work through what your employees would use, what your business can budget and how the plan could grow with you.

Where are you starting?

Find what fits your business.

A team of two and a team of 200 need different things from a benefits plan. See what fits yours.

The Local Legends

Big benefits for small teams.

Hiring your first employee or putting a plan in place for a small team? We’ll help you find out what your business qualifies for and compare options around the coverage your employees would use.

Start with a budget you can comfortably commit to. Then look at what that budget could provide through a group insurance plan, a Health Spending Account or a combination of the two.

Small team. Serious impact.

Compare ways to start

What we’ll work through

EligibilitySee what may be available for your team size, business setup and eligible employees.
Coverage and costCompare what employees would receive and how much the business would contribute.
Getting startedUnderstand enrolment, employee communication and how you’ll handle questions after launch.

A starting point for small teams

What could benefits look like for your team?

Think about what you want to give your employees and what you can comfortably budget. Here are three ways to start.

Set an allowance

Health Spending Account

Give employees an allowance to put toward eligible health expenses under the account rules.

When to explore it: You want to set the allowance and give employees flexibility in how they use it.
What to budget for: The allowance, plus any applicable fees and taxes. Reimbursements are limited to the available balance.

Put core coverage in place

Group insurance

Choose coverage such as prescription drugs and dental care, with claims paid according to the policy.

When to explore it: You want ongoing coverage for priorities your employees share.
What to budget for: Premiums depend on the plan and team. Compare what the company would pay and what employees would contribute.

Combine coverage and flexibility

Group insurance + a spending account

Cover shared priorities through insurance and give employees an allowance for other eligible expenses.

When to explore it: Your team wants core coverage and employees have different needs beyond it.
What to budget for: Look at the premiums, allowance and applicable fees and taxes together.

Picture a team of five. Everyone has the same core health and dental plan. One employee puts their allowance toward eligible counselling and another uses theirs for glasses. The business can see what it has set aside for the allowance alongside its insurance premiums.

See what fits your team Read the small business benefits guide

Already have a plan?

Let’s look beyond the renewal.

A renewal tells you what the insurer proposes to charge. We help you understand which parts of the plan are driving the change, how employees use their coverage and where you have room to make a different decision.

Talk through your renewal

Illustrative renewal review

Your renewal is up 12%. What would we look at first?

What changed?: In this example, the proposed monthly premium rises from $2,000 to $2,240. That’s $2,880 more over 12 months if the rate and enrolment hold.
What drove it?: We’d ask the insurer to break down the change and review the available claims data. That helps separate changes in plan use from other pricing factors.
What are the options?: We’d compare keeping the plan as designed, adjusting specific coverage or checking the market. You’d see what each option means for your budget and for employees.

Fictional figures for illustration.