For small businesses with 3 to 49 employees

It might not be easy for business owners to manage everything at the same time. They try to save money by doing things themselves, but it might end up costing them more than expected.

With our SunAdvantage benefit solution dedicated to small businesses with 3 to 49 employees, you can help your Clients focus on what’s important while we take care of their benefits needs.

They can build their overall benefits plan to include the types of options they want that fits their budget.

Improve your Clients’ benefits plan experience with SunAdvantage:

  • Helps your Clients manage costs with industry-leading products that could drive health outcomes.
  • Offers plans adapted to their businesses’ evolving needs and challenges.
  • Delivers a fast and innovative claim payment experience.
  • Client Care Centre (CCC) delivers exceptional, personalized service. 

What products and services are part of our SunAdvantage solution?

Included in the SunAdvantage package:

Available SunAdvantage Benefits

Benefit lines and maximums may be limited by industry or group size

Employee Life insurance

Offers some financial protection to your employees’ beneficiaries when they pass away.

Dependent Life

Provides financial coverage if the plan member’s spouse or dependent child passes away.

Short Term Disability (STD)

Plan members receive income protection if they're injured or have an illness that prevents them from performing their own occupation. Financial protection is generally from 6 to 26 weeks.

Accidental Death and Dismemberment (AD&D)

In case of loss of speech, eyesight or hearing, loss of limbs, or paralysis resulting from an accident, we offer financial compensation to the plan member.  In case of accidental death, we provide financial compensation to their beneficiaries.

Long Term Disability (LTD)

Provides benefits to plan members after Short-Term Disability ends.  During the first 2 years, we pay income replacement benefits when the employee is unable to perform the essential duties of their own occupation. Following this period, the test for total disability changes.  We consider if the employee can perform any occupation for which they’re reasonably qualified by training, education, and experience.

Extended Health Care (EHC)

These benefits help plan members, and their dependents pay for medical expenses that aren't covered by their provincial plan.  This coverage is mandatory in Quebec.  It includes:

Dental

 Offers comprehensive dental coverage for plan members. Most of our dental plans include:
  • Basic dental care
  • Preventative care
  • Major dental services and
  • Orthodontics services

Spending accounts

 Offers 2 easy ways for plan members to have a greater control over their health and wellness benefits. 
  • Healthcare Spending Account (HSA)
    Plan members receive credit from their employers in their HSA account and can use them towards eligible health related expenses.
  • Personal Spending Account (PSA)
    Plan members can use their PSA to cover a broad range of wellness expenses.

Critical Illness

Protects plan members if they’re diagnosed with a life-threatening illness (cancer, heart attack or stroke etc.) by providing them with a lump-sum payment, following a survival period.

Additional Lumino Health Virtual Care Services (provided by Dialogue)
  • Offers additional care to plan members and their eligible dependents. It includes:
  • Employee Assistance Program (EAP)
  • Stress Management and Well-Being (SMWB)
  • Virtual Care Solution

Optional benefits (life and/or Critical Illness)
  • Offers plan designs that can be customized to meet your Clients’ specific needs.
  • Provides coverage terms and conditions that are clear and easy to understand.
  • Coverage amounts vary