2-10 people? Price your plan now.
This small business benefits plan can be quoted in about a minute with no underwriting questions. No email required to see your numbers. Just yourself? See the 1-person plan instead.
You can still compare the Chambers Plan after you see your numbers.
See the per-employee breakdown
Split the cost with your team
Most owners cover 50–100% of premiums. The plan requires the employer to pay at least 25% — slide to see your share for the Essential plan.
This calculator provides an estimate of monthly group premiums using current small business benefits rates for Atlantic Canada. Actual premiums are confirmed from the member information received at enrolment. Employees will be approved for up to $2,000/month in LTD coverage without medical evidence; higher amounts (to $4,000) can be applied for with underwriting approval. Groups with more than 50% family content, and self-employed or contract workers, are not eligible for LTD.
Compare Entry, Essential & Enhanced
Every plan includes life insurance, extended health care, prescription drugs, dental, worldwide travel coverage — and a full digital wellness platform. The difference is how far each one goes.
| Benefit | Entry | Essential | Enhanced |
|---|---|---|---|
| Life & AD&D — no medical questions | |||
| Employee life insurance | $25,000 | $50,000 | $50,000 |
| Accidental death & dismemberment | $25,000 | $50,000 | $50,000 |
| Dependent life (spouse / child) | $2,500 / $1,000 | $5,000 / $2,500 | $5,000 / $2,500 |
| Prescription drugs — 80% reimbursed | |||
| Annual drug maximum | $3,000 | $5,000 | $20,000 |
| Diabetic supplies | $1,000 / year | $2,000 / year | $5,000 / year |
| Extended health care — 80% reimbursed | |||
| Health practitioners (physio, massage, mental health & more) | $500 per practitioner | $600 per practitioner | $600 per practitioner |
| Hospital room upgrade | — | $200 / day | $200 / day |
| Vision — frames & lenses | — | $200 per 24 months | $300 per 24 months |
| Eye exams | $75 per 24 months | Reasonable & customary | Reasonable & customary |
| Ambulance (ground & air in Canada) | Unlimited | Unlimited | Unlimited |
| Dental care — 80% basic coverage | |||
| Basic care annual maximum | $1,000 | $1,500 | $1,500 |
| Major restoration (50%) | — | $500 / year | $1,500 / year |
| Worldwide travel — 100% reimbursed | |||
| Emergency travel coverage | $5,000,000 per person per incident · 180 days per trip | ||
| Trip cancellation & baggage loss | — | $5,000 + $500 per trip | $5,000 + $500 per trip |
| Add-on: Long Term Disability (employee-paid) | |||
| Income replacement | Not available | 66.67% of salary, to $4,000/mo | 66.67% of salary, to $4,000/mo |
Ready to make it official?
Send us your quote and we'll turn it into a formal proposal. We can also collect the little extra info needed to prepare a Chambers Plan quote in a couple of business days.
- Licensed brokers based right here in Newfoundland & Labrador
- We handle the paperwork — most groups live within days
- Advice costs you nothing, ever
Got it — we're on it!
Your quote details are in our inbox and we'll be in touch shortly. Want the Chambers Plan comparison too? Send your census now and we'll have a quote prepared in a couple of business days.
Start the Chambers census Learn about Chambers firstWellness support your team will actually use
Every plan option includes a digital health platform — value most small businesses could never buy on their own, at no extra cost.
Online Doctors
Four virtual visits per employee per year with Canadian-licensed physicians — prescriptions renewed without a waiting room.
Employee & Family Assistance
Confidential counselling and support for employees and their families — 24/7/365, online, by phone or in person.
Medical Second Opinion
Specialists at world-class institutions review diagnoses and treatment plans for eligible conditions — peace of mind when it matters most.
Connected Care platform
Mental wellness, specialized health coaching, health assessments and more — one digital front door to better health.
Top-rated mobile app
Digital ID cards from day one, photo claim submission, instant coverage lookups — one of the highest-rated insurance apps in Canada.
Health Connected
An interactive health-risk assessment that gives each member a personal snapshot and wellness plan — prevention, built in.
Flexible add-ons & optional coverage
Start with a core plan, then tailor it. Spending accounts give employees choice; optional benefits let them buy extra protection at preferred group rates — at no cost to your plan.
Health Spending Account
$200, $500 or $700 per employee per year for health and dental expenses the plan doesn't cover — tax-effective and simple.
Personal Wellness Account
$200, $400 or $600 per year for gym memberships, fitness gear, and wellbeing — the perk employees brag about.
Long Term Disability
66.67% of salary to $4,000/month if illness or injury keeps someone off work — 100% employee-paid, so benefits are tax-free.
Optional Life, Critical Illness & AD&D
Employees can top up with life insurance to $250,000 and critical illness to $200,000 at preferred group rates — quotes in under 90 seconds, billed directly, zero admin for you.
Live in days, not months
Price it yourself
Use the calculator above — real rates, your real team, no obligation and no email wall.
We fine-tune it
As licensed group benefits brokers, we confirm your rates, add the right add-ons and prepare your formal proposal — free.
Enrol in days
Simple forms, no medical questionnaires for core benefits. Most groups can be activated within 5 business days.
Covered from day one
Your team gets digital ID cards and app access the day the plan starts — claims are a photo away.
Frequently asked questions
Who is eligible for Benefits for Small Business?
Do my employees need medical exams or questionnaires?
How much of the premium do I have to pay as the employer?
Can an employee opt out?
Will my rates spike after a big claims year?
How fast can we get covered — and is there a waiting period?
Is the quote on this page the price I'll actually pay?
Ready to make it official?
Send us your quote and we'll turn it into a formal proposal. We can also collect the little extra info needed to prepare a Chambers Plan quote in a couple of business days.
- Licensed brokers based right here in Newfoundland & Labrador
- We handle the paperwork — most groups live within days
- Advice costs you nothing, ever
Got it — we're on it!
Your quote details are in our inbox and we'll be in touch shortly. Want the Chambers Plan comparison too? Send your census now and we'll have a quote prepared in a couple of business days.
Start the Chambers census Learn about Chambers first