Bring Life, LTD, and CI Into Your Benefits Stack

Through our partnership with Camden Underwriting Agencies, BeniPlus now offers life, long-term disability, and critical illness coverage — all accessible and manageable through your BeniPlus dashboard.

BeniPlus now offers Flexible Spending Accounts with group insurance

Bring Group Insurance Into Your Benefits Stack

Through our partnership with Camden Underwriting Agencies, BeniPlus now offers health & travel, life, long-term disability, and critical illness coverage — all accessible and manageable through your BeniPlus dashboard.

Why This Partnership Matters

Small and growing businesses often face a tough choice: pay high premiums for rigid plans or skip offering meaningful coverage altogether. With Camden Underwriting Agencies on the BeniPlus platform, that barrier is gone.

Employers can now access insurance protection products — life, LTD, and CI — seamlessly woven into the flexible benefits ecosystem they already know and trust.

Bring Group Insurance Into Your Benefits Stack

Through our partnership with Camden Underwriting Agencies, BeniPlus now offers health & travel, life, long-term disability, and critical illness coverage — all accessible and manageable through your BeniPlus dashboard.

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Why this Partnership Matters

Small businesses no longer need to choose between rigid, expensive plans and meaningful coverage. Camden Underwriting Agencies brings health & travel, life, LTD, and CI insurance directly into BeniPlus—the flexible benefits platform employers already trust.

All-in-One Experience

One login, one platform for Wallet + insurance.

Modular & Customizable

Choose only the coverages you need.

Transparent Costs

Pay for claims as they occur, plus a small admin fee.

Scalable for Every Size

Works for solo entrepreneurs or teams of 50.

Key Benefits

Designed for Executives

Higher Limits

Spend on what matters most.

Permanent Life Insurance

Many benefits are reimbursed tax-free.

Tax-free Executive Medical

Comprehensive risk management.

Wellness Spending

For the executive and their spouse and children.

Enhanced Savings

For the executive and their spouse and children.

Product
What it covers
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Why it matters
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Employer benefits
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A happy family
Life Insurance
Death benefit, accidental death & dismemberment (AD&D)
Provides financial security for families
Affordable way to strengthen your package
Physiotherapy
Long-Term Disability (LTD)
Salary replacement during extended disability
Protects income during recovery
Shows long-term commitment to employee wellbeing
Critical illness
Critical Illness (CI)
Lump-sum payout for serious illnesses (e.g. cancer, stroke, MS)
Financial cushion during health crises
Differentiates your offering in the talent market
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Key Benefits

Strategic Advantage for Employers

Attract & Retain Top Talent

Stand out in a competitive hiring market.

Cost Control & Tax Efficiency

Optimize executive compensation.

Flexible Yet Structured

Company sets the guardrails.

Performance-Based Retention

Incentivizes long-term commitment.

Coverage type
Plan design details
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Basic Life
$100,000 benefit; reduction of 50% at age 65; terminates at age 70
Dependent Life
$10,000 spouse / $5,000 child benefit; terminates at age 70
Accidental Death & Dismemberment (AD&D)
Same as Basic Life; maximum $100,000; reduction of 50% at age 65; terminates at age 70
Long-Term Disability (LTD)
66.67% of monthly earnings, up to $6,500; elimination period 120 days; benefit period to age 65; non-taxable
Pre-Existing Condition Clause
No benefits payable for pre-existing conditions within 90 days before membership; exclusion ends after 12 months
Definition of Disability
Own occupation for 2 years; then any gainful occupation suited by education, training, or experience
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Coverage Options

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Product
What it covers
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Why it matters
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Employer benefits
Lorem ipsum dolor sit amet
Life Insurance
Death benefit, accidental death & dismemberment (AD&D)
Provides financial security for families
Affordable way to strengthen your package
Long-Term Disability (LTD)
Salary replacement during extended disability
Protects income during recovery
Shows long-term commitment to employee wellbeing
Critical Illness (CI)
Lump-sum payout for serious illnesses (e.g. cancer, stroke, MS)
Financial cushion during health crises
Differentiates your offering in the talent market
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Plan Design

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Coverage type
Plan design details
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Basic Life
$100,000 benefit; reduction of 50% at age 65; terminates at age 70
Dependent Life
$10,000 spouse / $5,000 child benefit; terminates at age 70
Accidental Death & Dismemberment (AD&D)
Same as Basic Life; maximum $100,000; reduction of 50% at age 65; terminates at age 70
Long-Term Disability (LTD)
66.67% of monthly earnings, up to $6,500; elimination period 120 days; benefit period to age 65; non-taxable
Pre-Existing Condition Clause
No benefits payable for pre-existing conditions within 90 days before membership; exclusion ends after 12 months
Definition of Disability
Own occupation for 2 years; then any gainful occupation suited by education, training, or experience
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Plan Design

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Product comparison
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Product name
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Unlimited
25
10
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FAQs

FAQ

We know with implementing a new benefits plan, there are many questions that need to be asked about cost, coverage, how it differs from your current plan, and more. Well, we're here to help.

What's your cost?

We charge a 7.5% admin fee plus taxes on each claim. Your business only pays when claims are made. No claims, no cost.

Are there any additional fees?

None! There are no set-up fees, upfront payments, or monthly premiums. We only charge a 7.5% admin fee plus taxes on claimed expenses.

Do I need multiple employees to qualify?

One is enough — you can enrol just yourself or your whole team.

Can I add coverage mid-year?

Yes, prorating options are available.

How do employees submit claims?

The same way they already use Wallet — snap a photo or upload a receipt digitally.

What if I'm an owner with no employees?

We'd love to have you! The Wallet is a very tax-efficient way for owners like yourself, who work in the company, to pay for your personal and family health expenses through your corporation instead of out-of-pocket.

How do I submit a claim?

Submitting a claim is a simple three-step process. Firstly, you snap a photo of your expense receipt. Secondly, you login to your BeniPlus account on your desktop or mobile device to upload the receipt. And lastly, BeniPlus reviews and approves your claim the same business-day day, and you'll receive the funds back into your bank account within 24 hours.

How many employees do I need to enrol?

One employee is all you need! And that can be the owner or an employee.

How do I reimburse my employees?

There are two ways you can reimburse your employees: One, you can add funds from your business bank account to your Corporate Wallet, and our platform will use that as the payment source for any approved claims. Second, you can toggle the option for direct withdrawal from your business bank account, and this is a great option if you want to further streamline the reimbursement process.

How is your platform different than traditional group benefit plans?

With a traditional employee benefits plan, companies need to choose between set plans and then they pay a monthly premium based on their employees’ demographics and medical conditions. They pay the same monthly premium even if employees do not use the benefits and if they do use them, the company may get a noticeable increase in costs at the end of each year. With the BeniPlus Wallet, companies get to choose the limit each employee can spend each year and they only pay if their employee uses the plan. There are no surprises at renewal time.

How are you different from a Healthcare Spending Account?

Healthcare Spending Account is one of our platform categories, but we do much more. Your team will have access to four additional benefit categories to highly personalize their benefit Wallet based on their yearly goals, including Wellness Spending, RRSP, Charitable Giving, and Personal Insurance.

How do I set my annual or monthly budget?

You'd set your annual or monthly budgets within your Admin portal of our platform. You can set different budgets for employee classes most relevant to your team structure, which could include Owner/Executive, Manager, Employee, and etc.

What if I want to include group insurance for risk protection?

You can add that too! You can request a quote for a group insurance policy that could Life and Long-Term Disability within the platform or reach out to our team.

How do I get started?

Getting started with us takes two simple steps. One, you'd complete this online form, which takes less than five minutes. Second, you'll meet our team for your 30-minute onboarding session, which will include a product walkthrough and adding your employees. And then...that's it! You and your team will have access and you can start submitting claims. Sign up here.

Let’s Build Your Tailored Group Insurance Package

With BeniPlus and Camden Underwriting Agencies, you can give your team meaningful protection without complexity or wasted cost.

“BeniPlus has allowed our employees to choose to allocate benefits in the areas they actually use depending on their health, wellness, and retirement needs.”
Arif Khimani
President and COO, MobSquad
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Complete the form below and we'll reach out to provide a personalized quote. Want to chat now? Call (647) 370-4015 or book a meeting.