Keystone Benefits specializes in Employee Benefit Plans, Life and Disability Insurance.

Providing services to meet the needs of individuals, families and businesses, we strive to supply the coverage you need while remaining mindful of your budgetary concerns.

Chambers Plan

As the Exclusive Broker of The Chambers of Commerce Group Insurance Plan, Keystone Benefits has access to something special for businesses in Bradford, East Gwillimbury, Innisfil, King, Whitchurch-Stouffville and Uxbridge…

Group Benefits

A Group Benefits Plan gives you an edge in the job market. Potential employees will be attracted to your company and your current staff will be more inclined to stay. This will allow you to select staff from a larger pool of quality candidates and will reduce the turnover costs of refilling vacated positions…

Personal Plans

As much as we avoid thinking about health and life insurance, we all know it’s best to have a plan in place. Take comfort in knowing you’ve assured financial security for your loved ones…

Thank you for your prompt attention this week.  The whole experience of Benefits, over the years, has been a daunting one for me, until we met your company and personal service with  yourself and your employees.  It has now been seven years with your firm and I am so pleased that we know Keystone Benefits.  I always have things patiently explained to me, options given and proposals explained to our small staff of 14 employees. No issue is too minor. Group Insurance is needed, as our company grows and I hope to continue for many more years with you.


Facebook Posts

Keystone Benefits Inc. Toronto shared Georgina Chamber of Commerce's post. ... See MoreSee Less

Who has a BBQ on the hottest day in the summer? The Chamber does! That's ok...we have moved the party indoors! Thanks to Rogers TV Georgina for hosting our Special Meeting of Members Appreciation BBQ! We are excited to kick off the fall events and new Members Guide tonight!

Changes to the Employment Insurance (EI) waiting period

What’s changing?

The 2016 Federal Budget released earlier this year included a change that will impact disability coverage on plans. The waiting period for Employment Insurance (EI) benefits will be reduced from two weeks to one week, starting January 1, 2017*.

Please note the number of weeks of paid benefit is NOT changing.

Currently the payment period is 17 weeks, including a 2-week waiting period (no paid benefit is issued) and 15 weeks of paid benefit.

With the proposed changes the payment period consists of a 1 week waiting period (no paid benefit is issued), 15 weeks of paid benefit and 1 week with no benefit.

How will this change impact disability coverage?

While we are still assessing the impacts these changes will have on disability coverage, we expect the following impacts:

Plans registered with the Employment Insurance (EI) Premium Reduction Program will have to reduce the waiting period for Weekly Indemnity (WI) and/or Short-Term Disability (STD) benefits from two weeks to one week in order to preserve any EI premium reduction they are receiving.
Plans that integrate the expiry of EI benefits or EI-equivalent short-term disability benefits (WI or STD) with a privately-sponsored long-term disability (LTD) benefit will be affected.
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In addition to the Chambers of Commerce Group Insurance Plan

Keystone Benefits Inc. are Authorized Representatives for a wide range of products from ManuLife, Great West Life, Empire Life, Desjardin Financial, Blue Cross, Sun Life, Co-Operators and Encon.

Keystone Benefits strives to balance your insurance needs with a budget you can live with. Call us at 905.898.6709, toll free at 1.800.486.3259, or CONTACT US.