{"id":58425,"date":"2026-04-21T10:44:55","date_gmt":"2026-04-21T14:44:55","guid":{"rendered":"https:\/\/www.assur360.ca\/pme-quebec-group-insurance-2026-employee-plan-for-2-or-more-people\/"},"modified":"2026-05-22T00:43:54","modified_gmt":"2026-05-22T04:43:54","slug":"pme-quebec-group-insurance-2026-employee-plan-for-2-or-more-people","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/pme-quebec-group-insurance-2026-employee-plan-for-2-or-more-people\/","title":{"rendered":"PME Qu\u00e9bec Group Insurance 2026: employee plan for 2 or more people"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<h1 style=\"font-family:'Sora',sans-serif;font-size:clamp(28px,4vw,38px);font-weight:800;line-height:1.2;color:#0d1f2d;margin:32px 0 24px;\"><span class=\"ez-toc-section\" id=\"PME-Quebec-Group-Insurance-2026-employee-plan-for-2-or-more-people\"><\/span>PME Qu\u00e9bec Group Insurance 2026: employee plan for 2 or more people<span class=\"ez-toc-section-end\"><\/span><\/h1>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"InsuranceAgency\",\n  \"name\": \"Assur360\",\n  \"url\": \"https:\/\/www.assur360.ca\/assurance-collective-pme\/\",\n  \"logo\": \"https:\/\/www.assur360.ca\/wp-content\/uploads\/2023\/11\/assur360-logo.png\",\n  \"telephone\": \"+1-866-357-4451\",\n  \"address\": {\n    \"@type\": \"PostalAddress\",\n    \"streetAddress\": \"221 boul. Frontenac Ouest\",\n    \"addressLocality\": \"Thetford Mines\",\n    \"addressRegion\": \"QC\",\n    \"postalCode\": \"G6G 1N3\",\n    \"addressCountry\": \"CA\"\n  },\n  \"areaServed\": \"Qu\u00e9bec\",\n  \"serviceType\": [\"Assurance collective PME\", \"R\u00e9gime d'assurance employ\u00e9s\", \"Assurance groupe sant\u00e9\", \"R\u00e9gime invalidit\u00e9 collective\"],\n  \"hasCredential\": \"Certifi\u00e9 AMF (Autorit\u00e9 des march\u00e9s financiers)\"\n}\n<\/script>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">A <strong>group benefits plan<\/strong> is one of the most valued benefits for employees \u2014 and a key tool for <strong>retaining and recruiting<\/strong> in a tight job market. From <strong>2 permanent employees<\/strong>, your SME can offer health, dental, drug, life and disability coverage at a cost that is often less than $100\/month per employee. In Quebec, since the coming into force of the <strong>RVAD,<\/strong> employers with more than 3 employees must also offer a voluntary retirement savings plan. <strong>Assur360<\/strong> compares the 9 Canadian insurers via our <strong>AMF certified brokers<\/strong> \u2014 free quote in 3 minutes.  <\/p>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">SOUMISSION ASSURANCE COLLECTIVE PME<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Protegez-vos-employes-des-2-personnes\"><\/span>Prot\u00e9gez vos employ\u00e9s d\u00e8s 2 personnes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Comparez 9 assureurs en 3 minutes. Courtiers AMF ind\u00e9pendants \u2014 sans frais, sans engagement.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-vie\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">Obtenir ma soumission gratuite<\/a>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin:0 0 40px;border-radius:12px;overflow:hidden;border:1px solid #e2e8f0;\">\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">From 2<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Permanent employees<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">$85\/month<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Average premium per employee<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">3 min<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">To get a price<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">50 %<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Corporate tax deductible<\/div>\n  <\/div>\n<\/div>\n\n<div style=\"display:flex;align-items:center;gap:40px;margin:32px auto 48px;max-width:1200px;background:linear-gradient(145deg,#f8fafc,#f0f9ff);border-radius:20px;padding:36px;border:1px solid #e2e8f0;flex-wrap:wrap;\">\n  <img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/05\/collective-pme-hero.jpg\" alt=\"Quebec SME Team \u2014 Employee Group Insurance\" style=\"width:45%;max-width:480px;border-radius:16px;flex-shrink:0;height:auto;\" loading=\"lazy\"\/>\n  <div style=\"flex:1;min-width:280px;\">\n    <p style=\"color:#10c4c7;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 12px;\">At a glance<\/p>\n    <h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:26px;font-weight:800;margin:0 0 16px;line-height:1.3;font-family:'Sora',sans-serif;\"><span class=\"ez-toc-section\" id=\"Protect-your-employees-from-2-people\"><\/span>Protect your employees from 2 people<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 12px;\"><strong>SME group insurance<\/strong> covers health, dental, disability and life for your employees. Flexible programs from 2 employees, 100% tax deductible for the company. <\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\">Assur360 connects Quebec SMEs with <strong>partner firms<\/strong> specializing in group insurance \u2014 comparison of Desjardins, iA, Manulife, Sun Life, Beneva.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What-is-a-group-insurance-plan\"><\/span>What is a group insurance plan?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">A <strong>group plan<\/strong> is an insurance contract taken out by a company to cover its employees (and their dependents). It brings together several coverages under a single policy, with mutualized premiums that are generally shared between the employer and the employee. In contrast to individual insurance, <strong>employees are rarely subject to a medical investigation<\/strong> and premiums are significantly lower thanks to the group&#8217;s bargaining power. For small businesses, a good plan <strong>reduces turnover<\/strong>, attracts the best candidates, and provides tax benefits for both parties.   <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udc8a<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Health and medicines<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Reimbursement of prescription drugs (mandatory to avoid RAMQ), paramedical care (physio, chiropractor, massage therapist), eye exams, hospital fees.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83e\uddb7<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Dental care<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Coverage for preventive care (100%), basic care (80%) and major care (50%). Orthodontics for children is optional. Typical annual maximums: $1,500 to $2,500.  <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udee1\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Short and long-term disability<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Income replacement if an employee is unable to work. ICD covers 17-26 weeks, LTD takes over until age 65 depending on the contract. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udc94<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Life Insurance  AD<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Capital paid to beneficiaries in the event of the employee&#8217;s death (usually 1 to 2 \u00d7 annual salary). DMA covers dismemberment or accidental dismemberment. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83e\udde0<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Employee Assistance Program (EAP)<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Confidential psychological, legal and financial services 24\/7. Highly valued since the pandemic \u2014 modest cost ($3-6\/employee\/month). <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udf0e<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Business Travel Insurance<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Out-of-Quebec Emergency Medical Coverage \u2014 automatically included in most plans for all employees on the move.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-much-does-a-group-plan-cost\"><\/span>How much does a group plan cost?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">The price depends on the number of employees, their average age, the benefits chosen and the employer\/employee share. Here are indicative bonuses <strong>per employee<\/strong> for a Quebec SME: <\/p>\n\n<div style=\"overflow-x:auto;margin:32px 0;\">\n  <table style=\"width:100%;border-collapse:collapse;font-size:14px;\">\n    <thead>\n      <tr style=\"background:#0d1f2d;color:#ffffff;\"><th style=\"padding:14px 16px;text-align:left;border:none;\">Company size<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Basic scheme<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Intermediate scheme<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Premium scheme<\/th><\/tr>\n    <\/thead>\n    <tbody>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">2 to 5 employees<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$65 to $90\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$110 to $145\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$175 to $235\/month<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">6 to 15 employees<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$55 to $80\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$95 to $130\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$155 to $210\/month<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">16 to 30 employees<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$50 to $72\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$85 to $115\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$140 to $190\/month<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">31 to 50 employees<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$45 to $65\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$78 to $105\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$125 to $175\/month<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">51+ employees<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$42 to $60\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$70 to $95\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$115 to $160\/month<\/td><\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<p class=\"wp-block-paragraph\" style=\"color:#64748b;font-size:13px;font-style:italic;text-align:center;\">*Primes par employ\u00e9 indicatives 2026, tous partages confondus. Les r\u00e9gimes sont typiquement partag\u00e9s 50\/50 ou 60\/40 employeur\/employ\u00e9. <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-vie\/\">Obtenez votre soumission exacte<\/a>.<\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Basic-vs-Intermediate-vs-Premium-Plan\"><\/span>Basic vs. Intermediate vs. Premium Plan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\ud83e\udd49 Base \u2014 ~$75\/month\/employee<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Drugs (100%), limited paramedical care ($300\/year), preventive dental (80%), life $25,000, STD 66% of salary. Legal minimum to satisfy the Act respecting prescription drug insurance. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\ud83e\udd48 Intermediate \u2014 ~$115\/month<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Extended Drugs + Paramedics ($500-800\/year), Preventive + Basic Dental, Life 1\u00d7 Salary, ICD + Basic LTD, Eye Exams ($150\/2 years), EAP Included.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\ud83e\udd47 Premium \u2014 ~$185\/month<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">All inclusive: paramedics $1,000-1,500\/year, complete dental + orthodontics for children, life 2 \u00d7 salary, improved LTD, wellness reimbursement (gym membership, mental health care). Top tier to attract talent. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\ud83c\udfaf Tailor-made \u2014 modular<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Tailor-made construction according to your budget and your profile. Possibility of adding group retirement (VRSP), group TFSA, group RRSP with employer contributions. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-to-set-up-your-diet-%E2%80%94-5-steps\"><\/span>How to set up your diet \u2014 5 steps<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:flex;flex-direction:column;gap:20px;margin:32px 0;\">\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">1<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Analysis of your needs<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Number of permanent employees, average age, salary level, annual budget available. Your AMF broker documents your situation in 30-60 minutes. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">2<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Call for tenders with 9 insurers<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Canada Life, Manulife, Sun Life, iA Financial Group, Beneva, Desjardins, Empire Life, Industrial Alliance, SSQ. We negotiate the best rates according to your risk profile. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">3<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Presentation and selection<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Clear comparison of the 3 best options: premiums, guarantees, deductibles, maximums, co-insurance. You choose according to your budget and priorities. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">4<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Employee Registration<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Simplified forms (<strong>without medical exam<\/strong> for most coverages), broker or HR management. Activation time: 30 to 60 days. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">5<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Ongoing Service and Renewal<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Claims management, adding\/removing employees, annual negotiation at renewal. Typical percentage increase to watch: 5-15%\/year depending on experience. <\/p><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d2d2d,#0a2a2a);border:2px solid #10c4c7;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\ud83d\udca1<\/div>\n  <div>\n    <p style=\"color:#10c4c7;font-weight:700;font-size:16px;margin:0 0 8px;\">Act respecting prescription drug insurance \u2014 obligation in Quebec<\/p>\n    <p style=\"color:#94a3b8;font-size:14px;margin:0;line-height:1.6;\">Since 1997, all Quebec residents must have <strong style=\"color:#ffffff;\">prescription drug insurance<\/strong>. If your employees have access to a private group plan, they <strong style=\"color:#ffffff;\">must enrol<\/strong> (themselves and their eligible dependents) \u2014 they cannot choose RAMQ. Offering a plan protects your employees from a high RAMQ contribution (up to $744\/year each in 2026).  <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Tax-benefits-for-the-employer\"><\/span>Tax benefits for the employer<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udcb8<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">100% deductible<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">The portion paid by the employer is <strong>fully deductible from corporate income tax<\/strong> (26.5% in Quebec). A $100\/month\/employee plan costs significantly less net. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udf81<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Tax-free benefit<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">For <strong>health, dental, and travel<\/strong> benefits, the employer premium is <strong>not a taxable benefit<\/strong> to the employee (unlike life and LTD which are).<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udcc9<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Retention Tool<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">The average cost of replacing an employee is <strong>6 to 12 months of their salary<\/strong>. A $100\/month ($1,200\/year) plan pales in comparison to this avoided cost. <\/p>\n  <\/div>\n<\/div>\n\n<div style=\"background:#fef2f2;border:2px solid #ef4444;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\u26a0\ufe0f<\/div>\n  <div>\n    <p style=\"color:#991b1b;font-weight:700;font-size:16px;margin:0 0 8px;\">Don&#8217;t confuse group plans with VRSPs<\/p>\n    <p style=\"color:#7f1d1d;font-size:14px;margin:0;line-height:1.6;\">Since 2017, Quebec employers with <strong>5 to 9 or more employees<\/strong> must offer a <strong>Voluntary Retirement Savings Plan (VRSP)<\/strong> OR an equivalent registered plan (group RRSP, DPSP, etc.). This is a <strong>separate<\/strong> obligation from group insurance \u2014 but often managed jointly by the same AMF broker. <\/p>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">TAILOR-MADE PLAN<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Attract and retain your best employees<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">The brokers of our partner firms negotiate the best premiums with 9 national insurers.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/life-insurance-quote-request-a-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Request my quote<\/a>\n  <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">1-866-357-4451<\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-6-most-valued-benefits-by-employees\"><\/span>The 6 most valued benefits by employees<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udc8a<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Prescription drugs<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">#1 priority for Quebec employees. Without a private plan, they contribute to the RAMQ (variable according to income) with monthly deductibles and limited co-insurance. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83e\uddd8<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Mental Health Care<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Demand has exploded since the pandemic. Psychologists, psychotherapists and registered social workers. Ideal budget: $1,000 to $2,000\/year\/employee.  <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83e\uddb7<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Dental Coverage<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Very valued, especially for families. Basic plan (preventive + exams) at $15-25\/month\/employee. With orthodontics: $40-60\/month.  <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udc41\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Vision Care<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Glasses\/Lenses Reimbursement ($150-300\/2 years) + Annual Exam. Inexpensive option but highly visible to employees. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udee1\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Long-Term Disability (LTD)<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Essential coverage: 66% of salary until age 65 if the employee becomes unable to work. Huge difference vs. QPIP (limited to 26 weeks). <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udfaf<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Employee Assistance Program (EAP)<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">24\/7, confidential, for psychological, legal and financial consultations. Modest cost (~$5\/month) for a measurable impact on the work climate. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Common-mistakes-made-by-SMEs-that-make-the-wrong-choice-of-their-plan\"><\/span>Common mistakes made by SMEs that make the wrong choice of their plan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\u274c Choose only on price<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">The cheapest plan often has high deductibles, low maximums, and poor customer service. Also compare the <strong>quality of the service<\/strong> and <strong>the reimbursement times<\/strong>. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\u274c Ignore employer\/employee sharing<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">A 100% employer-paid plan seems generous but creates a taxable benefit. A 50\/50 split is fiscally optimal and empowers employees. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\u274c Forgetting to shop at renewal<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Insurers increase premiums by 5-15%\/year. <strong>Every 2-3 years<\/strong>, your broker must redo a complete call for tenders to validate that you are paying the right price.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\u274c Not training staff on warranties<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">A little-known plan is one that is underutilized \u2014 and therefore undervalued by employees. An annual 30-minute session multiplies the perception of the benefit. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\u274c Signing up too early with no history<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">For companies founded less than 6 months ago, wait until you have a stable team. Otherwise, the first premiums will be based on unfavourable assumptions. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\u274c Refusing to Exclude Warranties<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Paying for coverage that no one uses (orthodontics at 40, for example) is a waste. Build according to your team&#8217;s real needs. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Group-Insurance-in-Quebec-Where-We-Serve\"><\/span>Group Insurance in Quebec: Where We Serve<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:16px;line-height:1.8;color:#334155;\">Our <strong>Assur360<\/strong> brokers support Quebec SMEs throughout the province. We particularly serve the regions of <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Laval<\/strong>, <strong>Longueuil<\/strong>, <strong>Gatineau<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong>, <strong>Saguenay<\/strong>, <strong>L\u00e9vis<\/strong> and <strong>Thetford Mines<\/strong>. Whether your SME has 2 or 150 employees, we compare the same <strong>9 major insurers<\/strong> and negotiate according to your sector profile \u2014 rates vary by industry (office, construction, restaurant, technology, manufacturing).  <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"To-go-further\"><\/span>To go further<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\">\n  <a href=\"https:\/\/www.assur360.ca\/assurance-entreprise\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Assurance entreprise<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Responsabilit\u00e9 civile, biens, cyber-risques \u2014 la protection compl\u00e8te pour votre PME.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/assurance-vie\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Assurance vie individuelle<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Pour compl\u00e9ter la protection vie de votre r\u00e9gime collectif (souvent insuffisante apr\u00e8s 500 K$ de revenu).<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/assurance-invalidite\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Assurance invalidit\u00e9 individuelle<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Pour les dirigeants et les travailleurs autonomes non couverts par un r\u00e9gime collectif.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/assurance-maladie-grave\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Assurance maladies graves<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Protection compl\u00e9mentaire : capital forfaitaire en cas de cancer, AVC, infarctus.<\/p>\n  <\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions-%E2%80%94-Small-Business-Group-Insurance\"><\/span>Frequently asked questions \u2014 Small Business Group Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"margin:32px 0;\">\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">From how many employees can I subscribe to a group plan?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><strong>From 2 permanent employees<\/strong> (including the owner in some cases). Some insurers require 3-5 employees for experience plans, but most offer pooled plans for very small teams. Self-employed or part-time employees (20 hours\/week) generally do not count.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Do I have to include all employees in the plan?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">You can define <strong>categories of employees<\/strong> with different coverages: management, executives, office workers, factory employees, part-time employees. The only rule: not to discriminate according to age, sex, marital status or health. Most plans cover all permanent employees working 25 hours\/week or more.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Is the employer&#8217;s bonus tax deductible?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><strong>Yes, 100%.<\/strong> All premiums paid by the employer are deductible as operating expenses, reducing your corporate taxes. For a CCPC in Quebec, this represents a savings of 26.5% on every dollar invested in the plan.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Are the premiums paid by the employer taxable to the employee?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">In Quebec, <strong>employer-paid health and dental<\/strong> premiums <strong>are a taxable benefit<\/strong> to be reported on the T4\/RL-1 slip \u2014 but <strong>drugs, paramedical and dental care<\/strong> remain <strong>federally tax-free<\/strong> benefits. <strong>Life and LTD<\/strong> premiums are taxable to the employee. A 50\/50 split optimizes taxation.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Can I have a group plan as a self-employed worker?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><strong>Yes, through an association plan<\/strong> (e.g., CFIB, Chambers of Commerce, professional orders). The premiums are higher than in traditional SMEs but are <strong>still significantly lower than in an individual<\/strong> one. Some insurers also offer solo-entrepreneur plans with group pricing.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What happens if an employee leaves the company?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">The employee automatically loses the group coverage within 30 to 90 days. However, they can <strong>exercise their right of conversion<\/strong> and take out individual life insurance <strong>without a medical exam<\/strong> at the insurer&#8217;s standard rate \u2014 useful for people in less good health. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Can spouses and children be added?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><strong>Yes, automatically in family coverage<\/strong> for health, medication, dental, and paramedical care. Life and disability are typically personal to the employee, with the option of adding <strong>spousal life insurance<\/strong> ($25,000-50,000) and child coverage. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How are annual premium increases justified?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Renewals are based on: (1) <strong>your group&#8217;s experience<\/strong> (claims\/premium ratio), (2) <strong>medical inflation<\/strong> (generally +4-7%\/year), (3) the <strong>evolution of the group<\/strong> (ages, additions\/withdrawals), (4) <strong>market rates<\/strong>. Average increase: 8-12%\/year. A good broker will shop around every 2-3 years to avoid abusive increases.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What is the difference between a pooled plan and an experience plan?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">The <strong>mutualized<\/strong> group includes several small companies \u2014 stable premium, not very sensitive to your history, ideal under 25 employees. The <strong>experience plan<\/strong> is based on your own claims \u2014 more upward sensitive if it&#8217;s a heavy year, but lower if it&#8217;s not used much. Typical pivot with 30-50 employees.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Can I add a group RRSP or VRSP to my plan?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><strong>Yes<\/strong>, and it is even mandatory for SMEs with more than 9 employees in Quebec (unless an equivalent plan is offered). The broker often integrates both \u2014 group insurance + retirement savings \u2014 into the same jurisdiction. Employee benefits: employer contributions, simplified management, reduced management fees vs. individual RRSPs. <a href=\"https:\/\/www.assur360.ca\/en\/life-insurance-quote-request-a-quote\/\">The brokers of our partner firms<\/a> support you on both fronts.  <\/div>\n  <\/details>\n<\/div>\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"\u00c0 partir de combien d'employ\u00e9s puis-je souscrire un r\u00e9gime collectif ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"<strong>D\u00e8s 2 employ\u00e9s permanents (incluant le propri\u00e9taire dans certains cas). Certains assureurs exigent 3 \u00e0 5 employ\u00e9s pour les r\u00e9gimes \u00e0 exp\u00e9rience, mais la plupart offrent des r\u00e9gimes mutualis\u00e9s pour les tr\u00e8s petites \u00e9quipes. Les employ\u00e9s travailleurs autonomes ou \u00e0 temps partiel (&lt;20 h\/semaine) ne comptent g\u00e9n\u00e9ralement pas.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Dois-je inclure tous les employ\u00e9s dans le r\u00e9gime ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Vous pouvez d\u00e9finir des <\/strong><strong>cat\u00e9gories d'employ\u00e9s avec des couvertures diff\u00e9rentes : direction, cadres, employ\u00e9s de bureau, employ\u00e9s d'usine, employ\u00e9s \u00e0 temps partiel. La seule r\u00e8gle : ne pas discriminer selon l'\u00e2ge, le sexe, l'\u00e9tat civil ou la sant\u00e9. La plupart des r\u00e9gimes couvrent tous les employ\u00e9s permanents \u00e0 25 h\/semaine ou plus.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Est-ce que la prime de l'employeur est d\u00e9ductible fiscalement ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"<\/strong><strong>Oui, 100 %. Toutes les primes pay\u00e9es par l'employeur sont d\u00e9ductibles au titre de charges d'exploitation, r\u00e9duisant votre imp\u00f4t corporatif. Pour une SPCC au Qu\u00e9bec, cela repr\u00e9sente une \u00e9conomie de 26,5 % sur chaque dollar investi dans le r\u00e9gime.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Les primes pay\u00e9es par l'employeur sont-elles imposables pour l'employ\u00e9 ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Au Qu\u00e9bec, les primes <\/strong><strong>sant\u00e9 et dentaire pay\u00e9es par l'employeur <\/strong><strong>sont un avantage imposable \u00e0 d\u00e9clarer au feuillet T4\/RL-1 \u2014 mais les <\/strong><strong>m\u00e9dicaments, soins param\u00e9dicaux et dentaires restent des avantages <\/strong><strong>non imposables au f\u00e9d\u00e9ral. Les primes <\/strong><strong>vie et ILD sont imposables pour l'employ\u00e9. Un partage 50\/50 optimise la fiscalit\u00e9.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Puis-je avoir un r\u00e9gime collectif comme travailleur autonome ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"<\/strong><strong>Oui, via un r\u00e9gime d'association (p. ex. FCEI, Chambres de commerce, ordres professionnels). Les primes sont plus \u00e9lev\u00e9es qu'en PME traditionnelle mais restent <\/strong><strong>nettement inf\u00e9rieures \u00e0 une individuelle. Certains assureurs offrent aussi des r\u00e9gimes solo-entrepreneur avec tarification de groupe.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Que se passe-t-il si un employ\u00e9 quitte l'entreprise ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"L'employ\u00e9 perd automatiquement la couverture collective dans les 30 \u00e0 90 jours. Il peut cependant <\/strong><strong>exercer son droit de transformation et souscrire une assurance vie individuelle <\/strong><strong>sans examen m\u00e9dical au tarif standard de l'assureur \u2014 utile pour les personnes en moins bonne sant\u00e9.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Peut-on ajouter les conjoints et enfants ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"<\/strong><strong>Oui, automatiquement en protection familiale pour la sant\u00e9, les m\u00e9dicaments, le dentaire et les soins param\u00e9dicaux. La vie et l'invalidit\u00e9 sont typiquement personnelles \u00e0 l'employ\u00e9, avec possibilit\u00e9 d'ajouter une <\/strong><strong>assurance vie du conjoint (25 000-50 000 $) et une protection enfants.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Comment les augmentations annuelles de prime sont-elles justifi\u00e9es ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Les renouvellements reposent sur : (1) l'<\/strong><strong>exp\u00e9rience de votre groupe (ratio r\u00e9clamations\/primes), (2) l'<\/strong><strong>inflation m\u00e9dicale (g\u00e9n\u00e9ralement +4-7 %\/an), (3) l'<\/strong><strong>\u00e9volution du groupe (\u00e2ges, ajouts\/retraits), (4) les <\/strong><strong>taux du march\u00e9. Augmentation moyenne : 8-12 %\/an. Un bon courtier magasinera aux 2-3 ans pour \u00e9viter les hausses abusives.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Quelle est la diff\u00e9rence entre un r\u00e9gime mutualis\u00e9 et un r\u00e9gime \u00e0 exp\u00e9rience ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Le <\/strong><strong>mutualis\u00e9 regroupe plusieurs petites entreprises \u2014 prime stable, peu sensible \u00e0 votre historique, id\u00e9al sous 25 employ\u00e9s. Le <\/strong><strong>r\u00e9gime \u00e0 exp\u00e9rience est bas\u00e9 sur vos r\u00e9clamations propres \u2014 plus sensible \u00e0 la hausse si ann\u00e9e lourde, mais plus bas si faible utilisation. Pivot typique \u00e0 30-50 employ\u00e9s.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Puis-je ajouter un REER collectif ou un RVER \u00e0 mon r\u00e9gime ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"<\/strong><strong>Oui, et c'est m\u00eame obligatoire pour les PME de plus de 9 employ\u00e9s au Qu\u00e9bec (sauf si r\u00e9gime \u00e9quivalent offert). Le courtier int\u00e8gre souvent les deux \u2014 assurance collective + \u00e9pargne-retraite \u2014 dans une m\u00eame administration. Avantages pour l'employ\u00e9 : cotisations de l'employeur, gestion simplifi\u00e9e, frais de gestion r\u00e9duits vs REER individuel. <a href=\\\"https:\/\/www.assur360.ca\/soumission-assurance-vie\/\\\">Les courtiers de nos cabinets partenaires vous accompagnent sur les deux volets.\"\n      }\n    }\n  ]\n}\n<!-- wpml:html_fragment <\/a><\/strong><\/script>  --\n\n<div style=\"background:#f0fdfa;border:1px solid #10c4c7;border-radius:12px;padding:28px;margin:32px 0;\">\n  <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 16px;\">Why trust Assur360?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:12px;\">\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>AMF<\/strong> certified firm<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>Member of the Insurance Chamber<\/strong> and the Insurance Chamber<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\">More than <strong>100,000 submissions processed<\/strong><\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>13 partner firms<\/strong> in Quebec<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\">Independent brokers, conflict-free<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span> <span style=\"color:#334155;font-size:14px;\">Response within <strong>24 business hours<\/strong><\/span><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">SOUMISSION GRATUITE<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Votre r\u00e9gime collectif sur mesure<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Courtiers AMF ind\u00e9pendants \u2014 9 assureurs compar\u00e9s, analyse personnalis\u00e9e en 24 h.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-vie\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Obtenir ma soumission<\/a>\n  <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">1-866-357-4451<\/a>\n<\/div>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"BreadcrumbList\",\n  \"itemListElement\": [\n    {\n      \"@type\": \"ListItem\",\n      \"position\": 1,\n      \"name\": \"Accueil\",\n      \"item\": \"https:\/\/www.assur360.ca\/\"\n    },\n    {\n      \"@type\": \"ListItem\",\n      \"position\": 2,\n      \"name\": \"Produits d'assurance\",\n      \"item\": \"https:\/\/www.assur360.ca\/produit-assurance\/\"\n    },\n    {\n      \"@type\": \"ListItem\",\n      \"position\": 3,\n      \"name\": \"Assurance collective PME\",\n      \"item\": \"https:\/\/www.assur360.ca\/assurance-collective-pme\/\"\n    }\n  ]\n}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>PME Qu\u00e9bec Group Insurance 2026: employee plan for 2 or more people A group benefits plan is one of the most valued [&hellip;]<\/p>\n","protected":false},"author":49,"featured_media":59147,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"Small Business Group Insurance Quebec 2026 | Employee Plan","_seopress_titles_desc":"Group plan from 2 employees. 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