Employee Benefits Specialist

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.

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 A*O (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

More employees are asking about online pharmacies — and for good reason.For employers, they can help reduce pressure on ...
12/12/2025

More employees are asking about online pharmacies — and for good reason.
For employers, they can help reduce pressure on the benefits plan through:
• Lower dispensing fees
• Automatic price checks
• Free delivery (especially helpful for repeat prescriptions)
• Better adherence for chronic medications
For employees, the experience is usually simple: upload the prescription, get pharmacist support, and receive medication at home or work.
Online pharmacies aren’t a fit for every situation, but they’re a useful tool for keeping plan costs stable while improving convenience.
If you want to know whether your current plan already allows online dispensing (many do), I’m happy to review it.

Mental Health & Benefits PlansOver the past few years, one topic has come up more and more in conversations with employe...
11/21/2025

Mental Health & Benefits Plans

Over the past few years, one topic has come up more and more in conversations with employers and HR leaders:
mental health support is no longer a “nice to have” — it’s essential.

Most group benefits plans now include access to:

EFAP (Employee & Family Assistance Programs)
In-person and virtual counselling
Psychologists, social workers, and psychotherapists

Yet there’s a challenge that almost every employer faces:

Because of privacy rules, most organizations don’t actually know whether employees are using these mental-health resources — or whether the existing supports are meeting the needs of their team.

Mental health can be difficult to talk about at work, but it affects:

absenteeism
productivity
retention
overall team culture

Sometimes the biggest gap isn’t funding or coverage — it’s understanding what employees truly need and whether they feel safe accessing the help that is available.

I’m interested in hearing from business owners and HR professionals:
Have you noticed increased demand for mental-health support in your workplace?
What has been most helpful — and where are the challenges?

No details or private information needed.
Just a conversation that many organizations are having right now, and one that can help all of us better support our teams.

Address

472 Caesar Avenue
Oakville, ON
L6J3Z2

Telephone

905-815-7186

Website

Alerts

Be the first to know and let us send you an email when Employee Benefits Specialist posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Employee Benefits Specialist:

Shortcuts

Share

Category