Benefit By Design Inc.: A Closer Look

Benefit By Design Inc. has been in the group insurance market for over two decades and has over 2000 corporate clients. It holds a wide range of products from which you can choose your coverage options designed to  attract and retain quality employees and strengthen businesses.


A group insurance benefits program that gives front-line agents the power to target small and mid-sized businesses.

Life Insurance

Group life insurance provides financial assistance in the event of a plan member’s death. Optional Life insurance is also available.

Optional Life

This is an optional life benefit that can be applied for and offers life insurance protection, 24 hours a day, anywhere in the world. It is available to employees and their spouses for a minimum of $30,000 and a maximum of $300,000 in units of $10,000.

Accidental Death, Disease & Dismemberment

ADD&D provides financial assistance if tragedy strikes and the plan member dies as the result of an accident. It also provides coverage if an accident results in the loss of a limb, sight or hearing. Some additional benefits include rehabilitation, spousal occupation re-training and a daycare benefit. Optional ADD&D Insurance is also available.

Optional Accidental Death, Disease & Dismemberment

This is an optional plan that can be applied for. Plan 1 covers the employee only and Plan 2 would cover the employee, spouse and dependent children. You must apply for a minimum of $50,000 and can go up to a maximum of $300,000 in units of $50,000.

Dependent Life

Dependent Life provides a life insurance benefit for the plan member’s spouse and dependent children.

Short Term Disability

STD coverage provides income when an employee is unable to work due to hospitalization, accident or sickness, between 17 and 26 weeks.

Long Term Disability

LTD coverage provides income when an employee is disabled and unable to perform the duties of his or her own occupation. Benefits commence after 119 or 180 days. BBD‘s LTD coverage also includes immediate access to Best Doctors Services and the Posaction Plus assistance program.


If you are looking for other group insurance plans, check out our free, Group Benefits Instant Quote Page, or call us toll free at 1-866-899-4849.

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