Extended health
Help with the everyday costs provincial coverage leaves behind: prescriptions, vision care, paramedical services and more.
Group benefits
Benefits for real life. Not just the brochure.
The right coverage helps your team feel looked after—and gives you a plan you can understand, manage and feel good about offering.
Start with what your people need.
Group benefits are a collection of different kinds of coverage—not one standard package. Some help with routine health expenses. Others protect income during a longer absence, or give employees more choice in how they use a defined benefit.
S+F works with small and mid-sized BC businesses to compare the options, explain the trade-offs and shape a plan around your team and budget. No insurance jargon required.
A good place to begin
- What kinds of expenses or risks matter most to your team?
- What can your business comfortably budget for?
- Do you already have a plan that needs a closer look?
You don’t need to have all the answers before you talk to us. We’ll help you work through them.
Which part of a benefits plan are you looking for?
Most employers start with the coverage that solves their most immediate need. Each page explains what it can do, what to consider and how plan design affects the experience.
Explore extended health
Group dental
Cover a share of eligible dental care, from regular checkups and fillings to optional major services and orthodontics.
Disability insurance
Protect part of an employee’s income if illness or injury keeps them away from work. Short- and long-term coverage should work together.
Spending accounts
Give employees a set amount to use for eligible health costs or employer-chosen lifestyle expenses, with a clear annual budget.
Coverage for today. Room to grow tomorrow.
A benefits plan can combine insured coverage with a spending account. For example, extended health and dental can help with eligible care, while an account can add flexibility around expenses your plan doesn’t fully cover. Disability insurance has a different job: helping replace income if someone cannot work.
There isn’t one right mix for every workplace.
We’ll look at your team, your goals and the coverage you already have, then explain what each option adds. You can build a plan in stages rather than trying to solve everything at once.
Let’s talk through your planOther options for your team.
Chambers Plan offers another way to arrange group insurance for eligible businesses. Group retirement plans are a separate workplace benefit that helps employees save for the future, rather than covering health expenses.
Switch benefits brokers with just one signature.
Switching brokers doesn’t mean switching your benefits - and it starts with a conversation, not a contract. Here’s how it actually works.
01
Contact us
Give us a call, send an email, or reach out through the form. No commitment - it just starts the conversation.
The easy part
02
We get to know each other
A meeting or two where we learn about your team, your current plan and your pain points - and you get to know us. Trust comes first.
A conversation, not a pitch
03
We build the plan together
We review your current coverage and design what works best for you - keep your plan, improve it, or rethink it together.
Built around your business
04
One signature
When it all makes sense to you - and only then - one signature makes us your broker. Your benefits never skip a beat.
You’re the judge
Reviews
Don’t just take our word for it
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Canuck Roofing
We had switched over to S&F Benefits and we are extremely pleased with everything from the initial setup, to the follow-ups, to the whole team and all the benefits offered. They are always super speedy in their replies and very helpful. It has made dealing with our corporate benefits a breeze and a relief! We highly recommend Reena, Chad, and their whole team to any business looking to get benefits — you will be happy you chose them!
C
Coastal Key Mortgage & Realty Group
Over the years I’ve had the pleasure of working with the team at S+F Group for various insurance products, both personal and business. Their approach is refreshingly laid back, making the entire process stress-free and comfortable, without any pressure. Their expertise and knowledge of insurance products are next level. They’re not afraid to take the time needed to understand our needs while providing tailored advice and solutions. I have referred several of my clients to them, and each one has echoed my sentiments, praising their professionalism and the quality of service they provide. I highly recommend them to anyone in need of reliable and personalized insurance guidance. Their commitment to their clients’ satisfaction is evident in every interaction, making them a standout choice in the industry.
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Will Wong
Our company have been partnering with S+F Group Benefits for over 20 years, and the bottom line is: all their staff is very friendly, but professional. The thing we like best is they are very quick to respond to our questions. We have been approached many times by other Benefits Company, but we’re staying with S+F as they have always taken time to show us what’s out in the market and explain to us the advantages and disadvantages of what they’re proposing. Highly recommended.