I’m president of SLH Group Health Benefits, and I’ve been providing expert insurance advice to large and small businesses for over 10 years. A stickler when it comes to detail, you can count on me to look after your best interests.
If you think I can help you with your insurance needs, I’d love to hear from you!
Scroll down to learn more about what I can do for your business.
Having been in the industry for 30-plus years, I have a comprehensive knowledge of health insurance products, as well as the finer details of these products between insurance companies.
Let’s get together so I can find out about you, your company, your employees and your objectives. Once I have a clear picture of how I can help you, just leave it with me and I will do my best to take the complications away from you.
I am contracted with most major Canadian insurance companies:
In today’s workplace market, offering an employee group benefits plan is almost standard. A group plan will offer protection for you and your employees for day to day health issues, however, even more important, a properly designed drug plan will provide catastrophic drug coverage in the event of a serious illness. Long Term Disability benefits provide income protection in the event of illness or injury, taking the burden off you and your employees should such an event occur.
Group benefits can cover everyone – even people with pre-existing conditions, as long as basic underwriting requirements are met.
Want to learn more? Go to Group Benefits
Group benefits plans offered by employers are a great start, however life circumstances can change at any given time. There may be some gaps in your coverage where individual health coverage can provide added protection. Let's have a look at your current situation, and make sure you are properly protected.
Want to learn more? Go to Individual Health
“Sue, we have just concluded our annual benefit renewal and once again would like to reiterate how much we value your services. As always, you presented us with options that clearly reflect both our corporate and employee needs. Your willingness to personally assist us in the many situations that arise during the year is invaluable to us as is your level of professionalism and industry knowledge. We look forward to our continued relationship.”Controller, MacFarlands
“For growing companies, with limited HR expertise, the task of designing and negotiating an employee benefit plan is daunting. But Sue’s knowledge coupled with the respect she has in the insurance industry means she never fails to deliver the magical combination of needed benefits and competitive pricing. We like her straightforward communication style and ‘let’s get this done’ approach. We see her as a key member of our team and are pleased she has chosen to work with us.”VP Marketing, Green Power Labs Inc.
“Sue has been our emplyee benefits advisor for over 15 years. She is always readily available to address our needs and has always gone above and beyond to make the administrations of our plan very efficient. Her personal approach is a welcome addition and has resulted in a very positive business relationship.”Mr. Tire Ltd.
A comprehensive group plan can cover employee group life, AD&D (accidental death & dismemberment), dependent life, STD (short term disability), LTD (long term disability), extended health care, drugs, dental, CI (critical illness) and an EAP (employee assistance program). It can vary from insurer to insurer, however typically the life insurance component is the only mandatory benefit. A benefit plan can be designed to meet your particular needs.
Can be a flat benefit or multiples of annual income.
Equals the life insurance benefit amount.
Usually a flat benefit amount for spouse and 50% of spousal benefit for each dependent child.
Provides income protection for short term illness or injury. Typically equal to the same benefit period of EI sick time, however can have some variances, depending on your choice of plan design.
Provides income protection for long term illness or injury. A typical plan would cover 67% of pre-disability monthly income. As well, it is recommended the employee pay 100% of the premium in order to have a non-taxable benefit.
Paramedical benefits, diabetic supplies, vision care, medical equipment, hearing aids, orthopedic shoes are examples of the benefits covered under extended health care.
A properly designed drug plan will offer catastrophic drug coverage. With many expensive drugs available in today’s market, you want to be sure you have access to the drugs that will bring you back to good health and not be limited in your access to them.
Proper dental health is important to everyone’s overall health. A dental plan can cover regular visits to your dentist and help you maintain good dental health.
Criticall illness insurance can provide you with a lump sum payment in the event of a diagnosis of one of a specific list of diseases. There are no limitations on how the money is utilized.
An employee assistance program can provide assistance to your employee’s with anything from getting help finding a nursing home for your elderly parent to assistance for new parents.
When insurance companies calculate rates for a group benefits plan, all of the information requested on the employee data form is taken into consideration. The income information is required when salary related benefits are being requested in a proposal. If the life insurance benefit is a multiple of income (i.e. 2 x annual salary) the actual benefit amount is exactly that. Also, long term disability benefits are a percentage of income.
Let’s get started. Download the Employee Data Form
If you do not currently have access to group health benefits, I can help you find a plan that will offer you catastrophic health coverage.
Your ability to earn an income is one of your most valuable assets. Although a group LTD plan offers some level of protection, it may not be enough to meet your current financial needs. As well, if you do not have access to a group LTD plan at all, your income is not protected in the event of illness or injury. An individual LTD plan offers you protection of your financial obligations.
Individual critical illness insurance can provide you with a lump sum payment in the event of a diagnosis of one of a specific list of diseases. There are no limitations on how the money is utilized.
Depending on your stage in life, the need for life insurance changes. I will help you make sure you and your family are properly protected.
Feel free to get in touch with me by phone or email.
Send me a message and I will reply within 2 to 3 business days. I will only use this information to contact you. I will never sell or share it.
© Copyright SLH Group Health Benefits
A division of Susan L. Henley Insurance Inc.
PO Box 64, Porters Lake, Nova Scotia B3E 1M1
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