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.


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Keystone Benefits Inc. Toronto added 2 new photos.

Stouffville Chamber / Markham Board of Trade Golf Tournament. I won ladies putting challenge. Sleepy Hollow Country Club
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Stouffville Chamber / Markham Board of Trade Golf Tournament.  I won ladies putting challenge. Sleepy Hollow Country Club

Ontario Retirement Pension Plan (ORPP) Scrapped

Ontario’s Finance Minister has announced that Ontario will not pursue setting up the ORPP, now that Canada’s Finance Ministers have agreed to enhance the CPP, starting January 1, 2019.

Under the enhanced CPP:

Income replacement will increase from 25% to 33% of pensionable earnings, e.g. a person earning $50,000 throughout their working life would receive a yearly pension benefit of around $16,000 instead of the $12,000 they would currently receive.

The maximum amount of income subject to CPP will increase by 14% - equal to roughly $82,700 in 2025.

Contributions will be phased-in starting January 1, 2019, with full implementation by 2025, to allow more time for businesses to adjust.

The federal Working Income Tax Benefit will be enhanced to offset the impact of increased contributions on low-income workers.

Employee contributions for the enhanced portion will be treated as a tax deduction—instead of a tax credit—to avoid increasing the after-tax cost of saving for Canadians.
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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.