Every firm is different. Some prioritize broader coverage and long-term employee support. Others want a more foundational plan that balances protection and cost control.
That’s why the Lawyers Financial employee benefits program offers six coverage levels to choose from. Designed for firms with three or more employees, the program makes it easy to find coverage that fits your team's needs and your firm's budget.
- Six plans to choose from
- Premier
Our highest level of coverage, combining comprehensive life and disability insurance with enhanced health and dental coverage.
- Enhanced Plus
Most popular among law firms
Comprehensive coverage that combines health and dental benefits with life insurance and long-term disability protection.
- Enhanced
Comprehensive health and dental coverage with built-in life insurance.
- Select
A practical option that combines life insurance and long-term disability protection with moderate health and dental benefits.
- Essential
Everyday health and dental coverage with built-in life insurance protection for firms seeking a simpler benefits plan.
- Core
Income protection-focused coverage featuring life insurance and long-term disability benefit.
All six plans include:
- Employee assistance program
- Digital claims submission
- Online plan administration
- Optional health spending and wellness accounts
- New employee opportunity to purchase up to $25,000 in evidence-free optional critical illness insurance
- New employee opportunity to purchase up to $20,000 in evidence-free optional life insurance
- Your questions answered
- How will billing work?
All billing and payments are paperless and automatic.
Plan administrators receive a monthly email from Desjardins advising when invoices are available through the administrator portal. Premiums are automatically debited on or around the 15th of each month.
- Can employees submit claims online?
Yes. Employees can submit claims online through the Desjardins website or OMNI mobile app, track payments, and access digital drug cards.
- Can firms choose different coverage levels for different employee groups?
Yes. Firms may offer different plans for up to two different employee classes: Lawyer and Non-Lawyer, provided that each class includes at least three employees.
- What optional benefits are available?
Optional benefits may include:
- Health Spending Account
- Personal Wellness Account
- Optional life insurance (Employee & spouse)
- Optional accidental death & dismemberment coverage (Employee & spouse)
- Optional critical illness insurance (Employee, spouse and children)
- Will employees need to complete medical underwriting?
Base coverage is available to all employees without medical underwriting during the employee’s 31-day enrollment period.
During that same period, employees may qualify for up to $20,000 of optional life insurance without medical underwriting, and employees and their eligible family members may qualify for up to $25,000 of optional critical illness coverage without medical underwriting.
Employees seeking life insurance and long-term disability insurance beyond the base benefit may apply for additional coverage at any time, subject to medical and financial underwriting.
Put the power of not-for-profit to work for your firm. Connect with an advisor to learn how our team can help yours.
Employee benefit plans sponsored by Lawyers Financial are underwritten by Desjardins Financial Security Life Assurance Company.
