Pooled Programs

Our Pooled Programs balance premium coverage with stable rates, effectively eliminating the volatility common to most benefits plans for groups of 3 – 20+*.

Essentials Benefits Programs

Affordable, preventative health focused

Lifestyle Benefits Programs

Enhanced, preventative health focused

Franchise Programs

Available for groups of 2+ (including owners)
Pooled Programs | Essentials Benefits Program
Small business focused plans for groups of 3 – 20+

Essentials Benefits Program

Affordable and Balanced Coverage
  • Preventative Health Focused
  • Most affordable premiums
  • Stability of pooled claims

Features pooled rates & claims for Extended Healthcare and Dental. Rates are based on the average age, claims, size of the entire pool. This program is a popular choice across many industries including Retail, Service, Franchise, Manufacturing and more…

ClearBenefits.ca 2019 Release

Pooled Programs | Essentials Benefits Program
Core Essentials Benefits Option is perfect as a first time benefits plan

Core Essentials Benefits Option

Quality coverage, lower premiums
  • 25% lower premiums than Essentials Option 5
  • No medical questions
  • Wide-range of industries covered
  • Features pooled rates & claims for Extended Healthcare and Dental
  • Core level coverage, perfect for introducing a benefits plan for the first time
  • This program provides affordable benefits for classes of staff previously excluded (general labour, warehouse, junior staff)
  • Core Essentials Benefits can easily enhanced with an HSA or GRSP.

Easy set-up. No medical questions required.

put your benefits plan in a superior position, with rate stability normally only available to larger employers

Lifestyle Benefits Program

Contemporary, health focused coverage
Ideal Solution for:

  • Enhanced Preventative Health
  • Lifestyle-focused features
  • Enhanced coverage levels

Features pooled rates & claims for Extended Healthcare and Dental. Rates are based on the average age, claims, size of the entire pool.

Pooled Programs | Lifestyle Benefits Program
For Growing Teams – Ideal for groups of 3—20+

take the guesswork out of benefits

ClearBenefits.ca takes the guesswork out of benefits through the spread of risk across many clients
Pooled Programs | Franchise Program
Better Structure for groups of 2 – 20+

Franchise Program

Exclusive Features for the Franchise Industry
Our Franchise Program ensure all locations have the same rate structure through pooled rates and claims, allowing for voluntary participation and choice of coverage options, with franchisees responsible for their own premiums and administration. We have one of the only programs that meet the unique needs of the Canadian franchise industry. 

Learning Center: ClearBenefits.ca Franchise Program Overview

*Pooled Programs underwritten by The Co-operators Life Insurance Company

for clients wanting stable, predictable rates

put your benefits plan in a superior position, with rate stability normally only available to larger employers

Smilelove gives you the straight-teeth benefits of traditional braces, without the clunky look and expensive price tag. ​For 70% less than braces​, you can straighten your teeth with invisible aligners without having to step foot in a dentist office. Clear Benefits members get a ​best price guarantee​.  

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