For employees
No group insurance or pension plan at work?
I propose a plan to your employer — group insurance, VRSP or group RRSP — without ever revealing that the idea came from you. You benefit like all your colleagues.
The advantages of a group plan for you
A hidden raise
Every dollar your employer puts in your retirement plan is extra pay that grows throughout your career.
Group premiums
Risk is shared among all employees: coverage generally costs less than individual insurance.
No medical questionnaire
Basic life and disability insurance are often granted without evidence of insurability, up to a maximum. Valuable if your health isn’t perfect.
Your salary protected
Long-term disability can replace part of your salary up to 65 if illness or an accident keeps you from working.
Drugs, health and dental
The private plan replaces the RAMQ public plan and can cover your spouse and children, plus paramedical and dental care.
Automatic saving
Contributions come off your pay. In a group RRSP, tax withheld at source goes down immediately.
Help when things go wrong
The employee assistance program offers confidential counselling: psychological, financial, legal, family.
A fuller, indexed retirement
Your plan adds to the QPP and Old Age Security to close the gap with what you really need in retirement.
The numbers: what a good plan changes over a career
Alex is 25 and earns $45,000. Salary grows 3% a year until 65. Alone, Alex saves 4% of salary; with a group plan, the employer matches the contribution (8% in total).
⏳ Waiting is costly: with the same plan, starting at 35 instead of 25 reduces capital by about $222,000; at 45, by about $405,000.
Without a plan, you carry alone…
| Prescription drugs | RAMQ public plan: annual premium up to $789 per adult (paid through your tax return) and up to $1,263 a year in deductible and coinsurance (since July 1, 2026, according to iA Financial Group). |
|---|---|
| Illness or accident | Employment Insurance sickness benefits are time-limited. After that, your savings pay the bills. |
| Death | Your family relies on your savings and the QPP death benefit ($2,500 maximum). |
| Retirement | The QPP and Old Age Security cover only part of your employment income. |
How I proceed: your name is never mentioned
You don’t want to be “the one who asked”. That’s understandable. I approach your employer like any business I prospect.
Confidential request
Share only what you want. A first name or a pseudonym is enough. I reply discreetly, at the time and by the means you choose.
Thank you, your confidential request has been received.
I will reply shortly by the means you chose. To prepare our conversation, you can complete the financial needs analysis: in a few minutes it shows what you are missing today, with or without a group plan.
The free employee guide
17 pages with illustrations and charts: group insurance and retirement options, why a good plan changes an entire career, inflation and cost of living from your first job to retirement, and the confidential process.
Frequently asked questions
Will my employer know I contacted you?
No. I present the approach as a normal business contact with the company. Your name, words and request are never mentioned.
Is my employer required to offer a plan?
In Quebec, an employer with at least 10 designated employees (18 or older, at least one year of continuous service) on June 30, and at least 5 on December 31 of the previous year, and no qualifying retirement savings plan must offer a VRSP. It is not required to contribute. Group insurance is not mandatory.
What if the employer declines?
I cannot guarantee it will agree. In that case, I offer you individual solutions for the essentials: disability insurance, life insurance, RRSP or TFSA.
I already have my spouse’s insurance. Is it still useful?
Often, yes: you can waive some health benefits already covered elsewhere, but disability and retirement remain personal and follow your salary.
What does your help cost?
Our conversation is free. If a plan is implemented, I am paid by the chosen insurer or financial institution, as regulations provide.
A confidential 15-minute conversation
By phone, text or email, whenever suits you.
Sources: Canada.ca, maximum OAS amounts (Oct.–Dec. 2026) and 2026 YMPE; CFIB, VRSP obligations (May 26, 2026); iA Financial Group, public drug plan parameters as of July 1, 2026; Institut de la statistique du Québec, CPI 2023 to 2025; Retraite Québec, QPP enhancement. Projections rely on assumptions ($45,000 starting salary, 3% raises, 5% net return, 2% inflation) and guarantee no result. General information, not personalized advice. Photos: Pexels.