Employee Benefits Specialist

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Employee Benefits Specialist Helping Ontario business owners build better employee benefit plans.

As an Employee Benefits Broker & Specialist, I design cost-effective group insurance solutions that attract and retain great employees while keeping plans sustainable for the long term. No medical exam life insurance for people who have been denied life insurance protection and are hard to insure.

Employee benefits can be one of the largest investments a business makes, yet many plans haven't been reviewed in years....
10/26/2026

Employee benefits can be one of the largest investments a business makes, yet many plans haven't been reviewed in years.

Whether you're considering a new employee benefits program, looking to control costs, or simply want a second opinion on your current plan, I'd be happy to help.

I offer complimentary discovery meetings where we can discuss your organization's goals, challenges, and opportunities to improve your benefits program. https://calendly.com/nick-godfrey-insurance

09/18/2026

Thinking about setting up an employee benefits plan?

One of the first decisions you should make is choosing the right benefits broker — before asking multiple brokers to get quotes.

Insurance companies generally won’t give one broker a better price than another for the same plan and information. Working with several brokers can simply result in the same insurers being approached multiple times.

Choose a broker you trust first. Then work with that broker to design the right plan and approach the market properly.

08/13/2026

Why Did Your Employee Benefits Premiums Go Up?

Employee benefits premiums don't go up for no reason. Claims are usually a major driver of what you pay for health and dental coverage — and there's no free lunch. Someone has to pay for those claims.

In this short video, I explain what drives benefit plan costs, why pooled benefits are generally more stable, and what employers should look at when they receive a renewal increase.

If your employee benefits renewal has gone up and you're wondering whether the increase is fair, contact me for a second opinion.

07/22/2026

Business Owner's Guide to Employee Benefits

Are you thinking about offering employee benefits but not sure where to start?

In this video, I walk through my **Business Owner's Guide to Employee Benefits** and explain the key decisions every employer should understand before choosing a plan.

You'll learn:

* How employee benefits work
* The different types of plans available
* The advantages of ASO (Administrative Services Only) plans
* How to manage costs while providing valuable benefits
* Common mistakes business owners should avoid

Whether you're starting your first employee benefits plan or reviewing your current one, this guide will help you make a more informed decision.

📖 Download your free Business Owner's Guide to Employee Benefits here:
https://nickgodfreyinsurance.ca

If you'd like a complimentary review of your current benefits plan or want to discuss options for your business, I'd be happy to help.

**Nick Godfrey**
Employee Benefits Broker
Over 30 years of experience helping Canadian businesses design cost-effective employee benefit plans.

🌐 https://nickgodfreyinsurance.ca

If you found this video helpful, please **Like**, **Subscribe**, and **Share** it with other business owners.

06/19/2026

The Truth About 30% Benefit Plan Discounts.

A 30% reduction in benefit plan costs sounds amazing—but how is it possible?

In this video, I explain why some insurers can offer dramatic savings, what questions employers should ask before switching, and why the lowest price isn't always the best long-term solution.

Before you move your employee benefits plan, make sure you understand what's driving the savings and whether those rates are sustainable.

06/15/2026

ess angle.

Many employers don’t change their benefits plan just to save money. In my experience, there are usually three main reasons companies start looking elsewhere:

• Poor service from the broker
• Poor service from the insurance company
• Pricing that no longer feels sustainable

In this short video, I break down what employers should watch for before making a change to their group benefits plan.



That version feels more conversational and professional for LinkedIn’s feed.

05/28/2026

Most Employers Don’t Realize This LTD Risk Until It’s Too Late

One overlooked issue with long-term disability plans can create major liability for employers.

If an employee goes on LTD and there is no clear policy in the employment contract or employee handbook about how long benefits continue, employers can find themselves stuck continuing coverage indefinitely — with very limited options.

I’ve seen situations where this became a costly and unexpected problem simply because the rules were never clearly defined upfront.

This is one of those HR and employee benefits details that often gets missed until a claim actually happens.

I did a short video explaining the issue and why employers should review their policies before it becomes a problem.

05/25/2026

Think Your Business Is Too Small for Employee Benefits? Think Again.

05/05/2026

Many businesses make this mistake - they give employees taxable benefits when they could be tax-free

05/04/2026

Many business owners are paying for benefits the wrong way

Address

472 Caesar Avenue
Oakville, ON
L6J3Z2

Telephone

905-815-7186

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