At a Glance
Beneva (SSQ) Group Insurance offers a wide variety of group insurance products to businesses all over Canada. The company is committed to promoting a healthy workplace environment and sustainable development.
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Beneva (SSQ) Review
SSQ Insurance has been one of Canada’s largest insurance companies since its founding in 1944 as the Coopérative de santé du Québec. As of December 3, 2020, it became part of Beneva, the largest insurance mutual in Canada.
Beneva was formed by a merger of SSQ Insurance and La Capitale and now has over 3.5 million members and more than 5,000 employees.
The company’s goals are to contribute to well-being in the communities it serves while providing simple, accessible products and services. It does so by contributing to sustainable development and financially supporting social and charitable organizations that align with its values of mutualism, accessibility, expertise, social commitment, integrity, and respect.
SSQ Insurance has received many awards and distinctions, including awards for best customer experience in the life and health insurance sector, recognition for its HealthWise health and wellness program, and Elite certification as a Healthy Enterprise for its expertise relating to health and wellness in the workplace.
|Insureye Consumer Rating||1.7/5|
|Years in Business||76 (merged in 2020)|
|Benefits and Claims Paid||503.9 Million (2019 pre-merger)|
|Number of Clients||3 Million in Canada|
|Total Assets||$13 billion (December 2020)|
Beneva (SSQ) Group Benefits Products
Beneva (SSQ) offers a variety of group insurance products. Employers can choose from these many options to put together an employee group benefits package. Options include:
Coverage for expenses and reimbursements for specific treatments. Certain plans may limit the number of covered visits.
Prescription Drug Insurance
Coverage and reimbursement for prescription drugs. Some prescription drugs require prior authorization from a doctor. Benefits vary between plans.
Financial assistance to designated beneficiaries in the event of the policyholder’s death—options vary between plans.
Financial assistance during times of disability. Short-term and long-term disability coverage available. Coverage varies between plans.
Dental Care Insurance
Three options for dental care coverage: basic dental care, orthodontic care, and major restorative services. Coverage options vary between plans.
Health insurance for medical emergencies that occur outside of the policyholder’s province of residence. Coverage is limited to a specific length of time and only covers certain expenses. Plan members should keep all medical reports, invoices, and proof of payment to make the claims process more manageable.
Health Spending Account
Employer-provided money plan members can use as reimbursement for medical and dental expenses that group or public health insurance do not cover.
Accidental Death & Dismemberment
Financial support for death, paralysis, or accident-related loss of a limb, hearing, speech, or sight.
Critical Illness Insurance
Financial support after a critical illness diagnosis, although the company limits coverage to 40 specified diagnoses.
Insurance for Expatriates
Full coverage for Canadians working abroad. Coverage includes medical, dental, and vision care, long-term disability, risks of war, life insurance, and additional accidental death and dismemberment. Insurance for expatriates comes with 24-hour multilingual assistance service.
Retirement or End of Employment
SSQ Privilege Individual Insurance products option for plan members who are retiring or leaving a group insurance plan at the end of employment. SSQ Privilege options include health insurance, travel insurance, dental care insurance, and life insurance.
Employee Assistance Program
Supplemental physical and psychological services to plan members with health-related, family-related, or personal problems.
Health and Wellness
Health InSight program available to improve the health of its plan members by developing and implementing a healthy culture at each organization.
Beneva (SSQ) FAQ
What are Group Insurance Benefits?
Group insurance benefits are packages that include several types of insurance. Many employers provide insurance benefits to their employees as a part of their total compensation. Employers purchase these benefits for a group of employees as opposed to individuals buying their own insurance policies.
The group purchase may allow employers to negotiate a lower premium or better benefits. Beneva (SSQ) financial group benefits include health care, dental care, life, prescription drug, travel, disability, critical illness, accidental death and dismemberment insurance, and insurance for expatriates.
What are Group Health Benefits?
Group health benefits are services or financial assistance that employers offer to their employees as part of the employee’s total compensation. Beneva (SSQ) Insurance offers several options that employers can choose for their group health benefits, such as a Health Spending Account, Employee Assistance Program, and health and wellness benefits through its InSight program.
Health Spending Accounts allow employers to contribute to their employee’s medical expenses that insurance does not cover. Employee Assistance Programs provide employees with support services during times of personal, family, or health problems. SSQ’s InSight helps employers to structure the work environment to bolster employee health.
What are Group Life Insurance Benefits?
Group life insurance benefits are packages of insurance policies that provide financial assistance upon the policyholder’s death. Employers can choose to include life insurance as part of their total benefits package. Beneva (SSQ) group benefits include both standard life insurance policies and Accidental Death and Dismemberment policies.
Are Group Health Benefits Taxable in Canada?
Some group health benefits are taxable in Canada. Employer-paid premiums for critical illness and accident insurance are taxable income. Health and dental insurance premiums are also taxable in Quebec.
What is a Group Benefits Plan?
A group benefits plan is a set of benefits purchased for a group and provided to a group. In many cases, the group is a set of employees and the employer purchases the group benefits plan. The employer can frequently negotiate a lower premium than an individual would pay—and often for more extensive benefits.
Many employers use group benefits plans to attract and retain quality employees. Group benefits plans may include several components, such as:
- Insurance includes health, life, dental care, prescription drug, travel, disability, critical illness, accidental death and dismemberment, and insurance for expatriates. Beneva (SSQ) offers all these insurance options in its group benefits plans.
- Flexible Spending: Health Spending Accounts or Personal Spending Accounts allow employers to deposit money into employees’ accounts, which they can then use to pay for uninsured medical expenses and other expenses related to health, wellness, and fitness. Beneva (SSQ) group benefits can include Health Spending Accounts.
- Supplemental Programs include other programs that benefit employee health. Beneva (SSQ) Insurance offers Employee Assistance Programs and its InSight program as part of its group benefits plans. These programs improve employee health by promoting a healthy work environment and offering supplemental physical and psychological support services.
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Beneva (SSQ) Downloadable Forms
Many SSQ group insurance forms are downloadable from the company’s website. All of their forms are found on the same page, including group plan forms, individual insurance, and more. You’ll find everything you need to file a claim under various coverage options, make changes to your policy, or disclose information.
Plan members can also access downloadable forms by logging into the Customer Centre. Members who need forms not listed above can contact Beneva (SSQ) Insurance by phone or email.
Methods to submit forms to Beneva (SSQ) vary by the form type. Some need to be mailed to the address provided on the form, while others can be faxed to a specific number. Read the details on your form carefully.
Beneva (SSQ) Contact Information
Primary address: 2515 Laurier Boulevard P.O. Box 10500, Stn Saint-Foy Quebec City QC G1V 4H6
Important Contact Numbers:
- Group Insurance Support (Quebec): 1-877-651-8080
- Other provinces: 1-888-651-8181
- Business Life Insurance: 1-800-565-4550
Learn More About Beneva (SSQ)
If you are interested in learning more about Beneva’s SSQ Insurance group coverage options, fill out our quick form for a free quote today. One of our experienced team members will get in touch with you to find out a little bit more about what you’re looking for, and then we’ll not only provide you with a competitive Beneva (SSQ) quote but also top quotes from other providers. That way, you can make an informed decision.
We are an online-only insurance broker firm that works with many established insurance providers throughout Canada, allowing employers to provide lower rates and more comprehensive benefits. Whether you are new to group benefits or want to change your existing coverage, we can find a solution that works for you.