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GEM Benefits will maximize the productivity and profitability of your business by using a managed approach to benefits and pensions.

Take advantage of our expertise and experience in creating the right group program for you and your employees.

Group Retirement & Savings Plan

If you have a business, group retirement and savings plans can play a key role in helping you attract and retain quality employees. We have access to a wide variety of group retirement and savings plans. These plans include:

  • Group registered retirement savings plans
  • Deferred profit sharing plans
  • Defined contribution pension plans
  • Non-registered savings programs
  • Group TFSA
  • Individual pension plans for executives

Group Categories

Each benefit program is unique and customized to the needs of your business and employees. Some of the components of a group plan could include:

  • Life insurance for employees and dependents
  • Accidental death and serious illness
  • Critical illness
  • Short and long-term disability
  • Extended healthcare
  • Drug benefits and catastrophic drug coverage
  • Vision care and eyeglasses
  • Out-of-country emergency
  • Expat and foreign workers coverage
  • Dental coverage
  • Healthcare spending accounts

Employees are less likely to leave employers that offer good benefit plans. And with a group retirement plan in place, they are more likely to retire at the right time, making room for new people.

Learn more about our approach

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  • "When we implemented Managed Rx this past Spring, we immediately saw a substantial reduction in the costs associated with filling prescriptions. Your team clearly explained the process and six months in, we have yet to have a single complaint."

    Chris Beesley, Chief Executive Officer at Community Living Ontario
  • "As a client of Rasa Lannoo of GEM Benefits for over 30 years, I am pleased to offer an unequivocal recommendation to Rasa and her team. Her extensive knowledge has enabled me to make informed and profitable decisions. Rasa always takes the time to understand clients’ underlying motivations and acts in concert to attain achievable financial objectives. Always willing to go the extra mile, Rasa is a person I can always count on."

    Howard Kurlandski, Executive Director, Kesher Employment Services
  • "GEM Benefits has been our partner in benefits for a number of years being a reliable resource and advocate. From assisting with wading through complex benefit questions to identifying creative solutions as we grow and our needs change, Rasa, Rob and the entire GEM Benefits team are always ready and willing to help."

    Katie Lutes, Chief Cultural Officer, Career Cruising
  • "Professional and yet so personable, GEM Benefits are experts in their field and have taught us a great deal. I always feel that they have our best interests in mind and are looking for new and creative ways to provide us with the best service."

    Michelle DeBie, Director of Human Resources at Christian Reformed Church
  • "GEM Benefits has provided us with outstanding service for many years. Their approach is very innovative, creative and strategic and they always have the best interests of our employees in mind while ensuring our benefit plan remains cost effective."

    Allan Behan, Director of Finance at Children's Aid Society of Hamilton Wentworth
  • "GEM Benefits shows incredible leadership and sales expertise. They are always focused and willing to learn, motivating the people and making them want to excel."

    Gisele Doucet, Leader & Managing Partner at The Art of Accounting
  • "The CSBT has had the pleasure of working with GEM Benefits, a certified CSBT partner for many years. Over this time we have heard from many clients how satisfied they are with the service and commitment received from the team at GEM. GEM truly mirrors CSBT values and principles."

    Charlene Couture, CEO at CSBT
  • "The GEM team have gone above and beyond any insurance company I have dealt with in my 12 years of managing our corporate employee policy; the service is second to none. I would, without hesitation, recommend the professional, committed and budget friendly service you get with GEM Benefits Inc."

    Stephanie Brown , X West Carriers Inc.

We are proud to be affiliated with these organizations

  • Brant Community Healthcare System
  • Community Services Benefits Trust
  • Group Health Global Holdings
  • Ontario Federation of Agriculture
  • Ontario Trucking Association
  • Woodstock Hospital Foundation
  • Woodstock and District Developmental Services