Benefits Plans
for Small Businesses
McDougall-Flex is the perfect plan for small businesses of three or more employees who want simplicity, flexibility, and cost control. More than an “off-the-shelf” benefits plan, McDougall-Flex provides a range of options for employers to design a benefits plan specifically for their employees.
What are McDougall-Flex Benefits?
Customization Over “One Size Fits All”: Traditional plans are uniform, but McDougall-Flex lets employers customize benefits to reflect care and flexibility for employees, making it tax-effective.
Flexibility for Employees: Employees gain personalized coverage options, enhancing their insurance protection through a flexible and tax-effective structure.
Competitive & Cost-Effective: McDougall-Flex addresses the demand for flexibility, ease, and affordability in benefits plans for small businesses previously hindered by perceived size constraints or cost issues.
Unique Employer Control: Employers can customize which benefits to offer, controlling costs while providing meaningful choices to employees.
Boost Employee Satisfaction, Attract and Retain Your Talent: By tailoring benefits, employers can express appreciation and attract new talent, strengthening your workforce with a robust benefits package.”
McDougall-Flex Benefits Plan
for Small Businesses
For companies that like the familiarity of a traditional benefits plan, but with more cost control and flexibility.
Plan Highlights
- Similar to a conventional style defined benefit plan, but with flexible options.
- Pooled coverage provides greater rate stability for the employer.
- Mandatory Extended Healthcare (including a drug card), travel Insurance, and hospital expenses.
- Optional Dental, Life Insurance, Accidental Death & Dismemberment, Critical Illness, and Long-Term Disability coverage.
- You can build a Hybrid Plan with McDougall-Flex by adding a Healthcare Spending Account.
Coverage Amount
Administration Fee
- Pooled benefits premiums inclusive of fees.
- Healthcare Spending Account fees are 15% of contributions.
- No setup fees, annual fees, per claim fees, or fees for booklets.
What’s Covered?
The McDougall-Flex benefits plan for small businesses includes core mandatory coverage of:
- Drugs
- Travel Insurance
- Semi-Private Hospital Room
Optional Catastrophic Coverage
- Life Insurance
- Accidental Death & Dismemberment
- Critical Illness
- Long-Term Disability
- Healthcare Spending Account (this can be used to cover all other healthcare-related expenses such as paramedical/registered therapist services)
- Basic Dental Coverage
Benefits Card?
Online/Smartphone App Claim Submission?
Pay Direct Drug Card?
Interested in McDougall-Flex
Benefits for Your Business?
Talk to your advisor, call us for a 10-minute chat, or submit a callback form.
Common Questions and Resources
What are the Advantages of McDougall-Flex?
Traditional group benefit plans are often “one size fits all,” but the McDougall-Flex Plan lets employers choose which benefits to offer, creating a more personalized and meaningful package for their team. Employees then get the flexibility to select the coverage that fits their needs, all within a more tax-effective plan. This approach gives small businesses an affordable way to offer real choice without taking on unpredictable costs. The result is a benefits plan that helps control expenses, supports employee wellbeing, and strengthens retention and recruitment.
Helpful Tools
Most Traditional Employee Benefits Plans Look the Same
Consider the following when choosing a new plan.
Cost
McDougall-Flex Benefits provide the most value and maximize cost efficiency with customized plan options that cater to the needs of your employees.
Service
Delivering more value means more than offering comprehensive employee benefits. It means creating a partnership with your provider that’s based on dedicated representative customer service. It means flexibility in the solutions we offer and responding to your inquiries immediately.
Plan Design
We think outside of the traditional benefits box. Our clients (and their employees) enjoy custom benefits plans that have been specifically designed to cater to business and employee needs and goals.
Support
At McDougall Insurance & Financial, we prioritize unparalleled support for our clients. Think of us as your benefits department; from the initial setup to ongoing management, we ensure your benefits plan runs smoothly.
We Can Match Your Existing Plan
Keep the benefits blueprint you trust while enhancing it to make it exactly what you need it to be.
Our team can quickly adjust and change your existing plan to work perfectly for you.
McDougall Insurance & Financial Creates Custom Benefits Plan to Meet Your Company’s Needs
You pay for the insurance you want.
Administrative costs are fixed and transparent.
You only pay for the claims you have.
Empowering Businesses
Across These Great Cities
Toronto
Mississauga
Hamilton
London
Vaughan
Peterborough
Ottawa
Markham
Oakville
Windsor
Niagara Falls
Kingston
Have an inquiry about our plans?
Navigating benefits can be complex; lean on us for clear, concise answers to all your plan-related questions.
Call us
613-966-7001 ext. 1227
Email us
Working Hours
Monday – Friday:
8:30am – 5:00pm
Inquiry about our simple benefits plans for small businesses
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