Bloom Plans

Now more than ever, group benefits are on the minds of employees and employers alike. Whether for retention or attraction, cost-efficiency or culture, Bloom Benefits is here to make sure your company offers a program that works. 

No two employees are the same, and neither are their benefits needs. Our rethink benefits approach creates solutions by examining your business goals and values - to strike the perfect balance with  your employe’s needs. A flexible, traditional or innovative plan might be the right fit for you. The right benefits plan can include cover in the following areas:

• Health
• Dental
• Life Insurance 
• Disability Insurance
• Mental Health Coverage
• HSA + WSA 

At Bloom benefits, we prioritize long-term savings by implementing lower pre-negotiated fees, extended rate guarantees, and renewal caps to ensure our clients experience sustained value and efficiency in their benefits programs.

This isn’t just about perks; it’s about strategic investments that protect leadership income and legacy, fill gaps in standard benefit limits, reinforce retention, and strengthen recruitment. The program is built for organizations where losing a critical leader would significantly impact the business, turning benefits into a true competitive advantage.

Bloom offers a suite of executive‑level solutions, including:

• Enhanced life insurance (including key‑person coverage)
• Top‑up disability and critical illness coverage (for higher income replacement)
• Individual Pension Plans (IPPs) for owners and incorporated executives
• Enhanced health & dental and private health spending accounts
• Executive health programs (advanced screenings, early detection, wellness)
• Concierge services and lifestyle enhancements

At Bloom Benefits we offer a group benefits program designed specifically for independent contractors in Canada, giving them access to affordable health, dental, and other insurance coverage without the typical waiting periods or medical exams.

Traditional benefit plans are built for full‑time employees, so many contractors go without affordable, comprehensive coverage. This program is meant to fill that gap: flexible, portable coverage that works with how contractors live and work, so they and their families are protected no matter where opportunities take them.

Some key advantages are:

• Core health and dental coverage
• Life insurance
• Travel insurance
• Critical illness
• Accident & sickness insurance