Employer-Sponsored Health Benefits: 2026 Guide

Braces in Canada can cost between $3,000 and $10,000, and not all dental insurance covers them—especially for adults. Most group benefit plans (like those from Canada Life, Sun Life, and Manulife) include orthodontic coverage for dependents, with 50% reimbursement and a lifetime maximum of $1,000–$3,000. Adult coverage is less common and usually only found in premium plans. Individual insurance options (like Blue Cross and Desjardins) may include orthodontics but often require a 12–24 month waiting period. Student plans offer limited braces coverage, and renters or families juggling expenses can benefit from flexible benefits or Health Spending Accounts (HSAs). Digital tools like GoKlaim.com simplify checking coverage, submitting claims, and managing benefits—especially for busy families, renters, and students.

Group benefits in Canada are no longer reserved for large corporations. Small businesses today can access tailored, affordable group insurance plans covering health, dental, vision, life, and disability—all while gaining tax advantages and boosting employee retention. With flexible plan design and scalable options, even teams with just two or three members can compete with big firms in attracting top talent. Platforms like GoKlaim simplify the setup, comparison, and management of benefits, making it easier than ever for small businesses to provide meaningful coverage.