Sterling Brokers × Ingenious Insurance
Presented by Andrew Blanchard (CEO, Sterling Brokers). This page compares the three plan tiers: Bronze, Silver, and Gold.
Three-Tier Plan (Bronze / Silver / Gold)
Member choice architecture
Bronze from $157.42/mo, Gold up to $635.44/mo
Overview
All three tiers share the same core benefit categories: Life & AD&D, health, dental, paramedical, vision, out-of-country travel, and virtual healthcare. However, coverage limits, co-insurance, and disability benefits scale up meaningfully from Bronze to Gold. Here's a snapshot before the full line-by-line comparison below.
Bronze
$157.42/mo single, $374.17/mo family
Silver
$266.96/mo single, $513.54/mo family
Gold
$344.35/mo single, $635.44/mo family
Pricing & enrolment
All plans are fully employer-paid with no employee cost-sharing. Select a plan to review its costs, then complete your enrolment details.
Bronze
Essential coverage
Silver
Balanced coverage
Gold
Premium coverage
Provincial taxes not included. Rates expire June 7, 2026 (30 days from proposal date). Target loss ratio: 85 percent.
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Coverage details
Bronze includes no disability coverage. Gold and Silver both add LTD and STD, which are the most significant structural differences between the three tiers.
| Benefit | Bronze | Silver | Gold |
|---|---|---|---|
| Life & AD&D | |||
| Maximum benefit | Flat $25,000 | Flat $50,000 | Flat $100,000 |
| Non-evidence maximum | $25,000 | $50,000 | $100,000 |
| Reduction schedule | 50% at age 65 | 50% at age 65 | 50% at age 65 |
| Termination age | Age 80 / Retirement | Age 80 / Retirement | Age 80 / Retirement |
| Dependent life | |||
| Spouse benefit | $5,000 | $10,000 | $20,000 |
| Child benefit | $2,500 | $5,000 | $10,000 |
| Child benefit schedule | From live birth | From live birth | From live birth |
| Long term disability | |||
| Coverage | Not included | 66.67% of monthly salary | 66.67% of monthly salary |
| Monthly maximum | — | $7,500 | $15,000 |
| Non-evidence maximum | — | $7,500 | $10,000 (below the $15,000 monthly max, as stated in the proposal) |
| Elimination period | — | 112 days | 112 days |
| Termination age | — | Age 65 / Retirement | Age 65 / Retirement |
| Short term disability | |||
| Coverage | Not included | 66.67% of weekly salary | 66.67% of weekly salary |
| Weekly maximum | — | $1,000 / 16 weeks | $2,000 / 16 weeks |
| Termination age | — | Age 70 / Retirement | Age 70 / Retirement |
Coverage details
Several meaningful differences exist in drug coverage limits, dental maximums, and paramedical amounts as you move from Bronze up to Gold.
| Benefit | Bronze | Silver | Gold |
|---|---|---|---|
| Healthcare | |||
| Co-insurance | 80% | 80% | 100% |
| Rx drugs annual max | $5,000 | Unlimited | Unlimited (incl. weight loss drugs) |
| Fertility drugs | Not included | $2,400 lifetime | $5,000 lifetime |
| Vaccines | Not included | Not included | $300 / calendar year |
| Glucose monitoring | Libre only $1,500/yr | Libre only $1,500/yr | Libre + Dexcom $4,000/yr |
| Hospital room | Semi-private ($300/day; $30K/yr) | Semi-private | Semi-private |
| Hearing aids | $500 / 3 years | $500 / 5 years | $500 / 5 years |
| Termination age | Age 85 / Retirement | Age 85 / Retirement | Age 85 / Retirement |
| Paramedical | |||
| Max / practitioner / year | $300 | $500 | $500 ($1,000 psychologist) |
| Co-insurance | 80% | 80% | 100% |
| Vision | |||
| Lens / frames / contacts | $150 / 24 mo adult | $200 / 24 mo adult | $300 / 24 mo adult |
| Child benefit period | 12 months | 24 months | 12 months |
| Dental | |||
| Routine (co-ins + max) | 80%, $1,000 max | 80%, $2,000 max | 100%, $2,000 combined max |
| Major dental | Not included | 50%, $1,000 max | 50%, shares $2,000 max with routine |
| Fee guide / recall | Current / 6 months / 10 units | Current / 9 months / 8 units | Current / 5 months / 12 units |
| Out-of-country travel | |||
| Coverage + max | Emergency medical $5M lifetime | Emergency medical $5M lifetime | Emergency medical $5M lifetime |
| Max days / trip | 180 days | 180 days | 180 days |
SCB Connect platform
All three tiers are administered through Sterling's SCB Connect platform; the enrolment and administration experience is identical regardless of which plan a member selects.
Simple, step-by-step flow for personal and dependent details.
Paperless designation from day one through an exclusive digital system.
Automatic carrier sync the moment a member enrols; no manual handoffs.
Manages payroll, HRIS, and carrier in one unified platform.
Fully automated billing and payroll deduction processing each cycle.
Detailed financial insights into plan utilization and performance.
About the broker
Since 2014, Sterling has grown to a team of approximately 200 professionals, partnering with Canadian businesses of every size. All three tiers are backed by the same broker relationship, service team, and platform.
Partnering for success
Every benefit program is tailored to the client and drawn from multiple carriers, ensuring optimal costs and coverage without the complexity; one relationship, one point of contact.
Sterling's product team collaborates directly with carriers to shape and develop new offerings, giving clients early access to solutions that keep pace with evolving needs.
By pooling clients into group arrangements, Sterling gives businesses of all sizes access to enterprise-level plans typically reserved for large corporations.
Our benefits expertise
Members can count on prompt, direct support from a dedicated service team, with most queries resolved within 24 hours.
Every client is supported by a fully licensed Executive Account Manager, on hand for expert benefits advice and seamless renewal management.
Decades of industry expertise inform every client relationship, providing confident guidance through even the most complex benefits situations.
This proposal expires 30 days from its issue date. Reach out to Andrew Blanchard to discuss which tier best fits SAC's membership.
Contact Andrew Blanchard →