The PHSP can provide employees with tax-free benefits.

Group benefits

I can put together a flexible, cost-effective group insurance solution that meet your needs and your budget.

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What if you lose your group benefits?

Don’t worry! It’s possible to convert your group benefits to a personally owned policy.

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Private Health Services Plan

Even if you already have a group benefits plan, a PHSP can act as a “wrap-around”, reducing your taxable business income and making your company even more attractive to employees.

The PHSP can provide employees of small or incorporated businesses with tax-free benefits, and the employer can deduct 100% of medical expenses from income!

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Online Services

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    Important information for PHSP clients

    The 2010 Canadian federal budget affects the eligible conditions covered by the PHSP.

    Please see the 2010 Budget changes page for more information.


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    Raymond L. Winer
    (416) 636-7500

    Ivan Yakovlev AMP
    (416) 721-4223

    Sukhi Dhillon Alberga
    (647) 545-9062

    Mia Morvai LLB
    (416) 500-5620

    Dee Paul
    Sales Representative – I Pro Realty

    I Pro Realty 
    276 Danforth M4K 1N6

    Andy Hall
    Associate Broker – Mitchell Sandham
    905-683-4549 ext 201
    13-467 Westney Road South
    Ajax, Ontario L1S 6V8