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Chambers Plan

Employee Benefits Plan for Small Businesses

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Ideal for businesses with 1–50 employees, Chambers Plan Benefits are designed to meet your business’s changing needs and budget. That’s why more than 30,000 companies across Canada rely on Chambers Plan for superior employee benefits options every year.

Chambers Plan is the simple, stable, smart choice for business; combining accessibility, flexibility, and the stability of pooled benefits. Firms choose Chambers Plan year after year because it offers unsurpassed value and customer service, helping you attract and keep top talent, protect you and your employees, and improve your bottom line.

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Comprehensive Benefits

Extended Health Care

• Prescription drugs

• Ambulance

• Eye examinations

• Emergency travel health care

• 24-hour medical support

• Special services like massage therapy, chiropractory, and physiotherapy

Dental Care

• Cleanings

• X-rays

• Extractions

• Major services

• Orthodontics for businesses with 10+ employees

Disability Coverage

If ever you’re unable to work, it’s reassuring to know you’ve got support in place to help protect your family and finances.

Critical Illness

Nobody ever wants to receive a life-altering diagnosis, but if you do, Chambers Plan is there with a lump sum payment of up to $50,000.

Employee Assistance Program

It’s nice knowing that caring, professional counselling support is available whenever you, your staff, or loved ones need it.

Health Care Spending Account

It’s awesome having the flexibility (and cash) to top up your benefits or pay for eligible expenses that are outside your plan.

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Ten things you should know about Chambers Plan

No minimum firm size

Your company is eligible to apply even if it’s a one-person operation. Chambers Plan was designed specifically to protect small businesses, from home-based businesses to growing companies, (up to 50 employees). Best of all, Chambers Plan can grow and evolve with the needs of your company.

No industry restrictions

We believe your areas of expertise shouldn’t determine your coverage. All for-profit businesses that are members of a participating Chamber of Commerce or Board of Trade are eligible. Based on the specific needs of your business and employees, we have a plan that’s right for you.

Real benefits for your business

Every plan includes valuable supports for your company and your employees. Business Assistance Service provides owners professional accounting, counselling, legal, and human resource experts who understand the challenges businesses face. Plan participants have free access to top medical specialists from around the world, with Best Doctors services. And my-benefits health, our online wellness platform, is filled with resources and tools like health risk assessments to help your employees stay healthy and productive.

All the essentials

Chambers Plan offers dental benefits, extended health care benefits, critical illness insurance, and long- and short-term disability insurance. There are even options for business owners at retirement. And my-benefits, our online administration tool, lets you manage your plan simply and quickly. Best of all, Chambers Plan can be adjusted as your business expands, financial situation changes, or number of employees increases or decreases.

Guaranteed renawable

Chambers Plan guarantees your firm can renew coverage as long as you pay your premium and maintain your Chamber membership. It’s just another reason why Chambers Plan is different.

Guaranteed approval

There are no health questions or medical exams separating you from a benefits program. Even if you are a company of one or two people, you’re eligible for the Plan. Organizations with three or more employees can choose extensive dental coverage, and those of ten or more can add orthodontics. Chambers Plan can provide the coverage you need at a cost you can afford.

Simple & fast

Most health and dental claims are processed within 48 hours. Health options include on-the-spot processing of prescription drug claims using the Assure Card. Chambers Plan is also a member of the TELUS eProvider network, which allows thousands of practitioners like chiropractors and vision care providers to submit claims on your behalf. Our my-benefits online utilities and app allow Plan members to submit claims electronically with funds deposited directly to their bank account.

Rate stability

When your claims are bundled together with thousands of similar firms, premiums stay manageable and predictable. Unlike most carriers, Chambers Plan utilizes a partial pooling concept on health and dental benefits. Small fluctuations in a firm’s claims do not automatically factor into the rates, giving firms greater rate stability over the long term.

Outstanding service

The Plan’s Service Centre works in concert with your exclusive, local Chambers Plan advisor to give you answers to all your questions. Your advisor understands your individual needs and will help you design a plan that reflects your business. Our local advisors and our national Service Centre will always listen first, take the time to explain, and be flexible.


Chambers Plan operates under the direction of the not-for-profit Chambers of Commerce Insurance Corporation of Canada, volunteer directors who are also Chamber members. Keeping your interests front-and-centre, all surpluses are reinvested in the Plan to help control premiums. That’s why 850 Chambers of Commerce and Boards of Trade across Canada actively endorse Chambers Plan.

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