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Employee Group Benefits

Smart Rx Prescription Drug Plan

IONS Employee Benefits Program 

Introducing the new

powered by CSBT

Cost Containment

Control costs while keeping employees covered

Exclusive Plans

Designed for community impact sector organizations & their employees

Digital Solutions

Easy, online benefits enrolment & administration

Practical Advice

Pragmatic expertise for  organizations of all sizes

Flexible Dental Coverage

Configurable Vision Care

Comprehensive Paramedical Services

Enhanced Hospital Care & Diagnosis

Integrated Travel Coverage

Now 1000+ organizations, just like yours rely on us

  • Group benefit plans for social and community service organizations
  • Access to the industry’s leading insurers, building benefit plans to fit small or large businesses
  • Local Community Support (Canada Coast-to-Coast)

Our expert advisors will speak to you by phone or in-person to provide the best plan for your business.

Talk to our advisors now about affordable and configurable health and dental coverage for your business.


Cost-effective employee health benefits designed especially for 
Impact Organizations of Nova Scotia

From attracting and retaining professional talent to plan designs that confront unsustainable cost pressures, your business needs a benefits plan that has the flexible coverages, paperless tools, and best-in-class plan sustainability features that empower your most valuable asset—your employees.

  • Built-in cost-containment
    Cost containment features are built directly into plans, saving you money upon renewal
  • Hybrid ASO
    Cover low-risk claims while protecting your business from high-cost surprises
  • Data-driven analytics
    Uncover savings and efficiencies using experience and tools

Better Value for Employers

The right plan design for your business' future

Better Benefits for Employees

Embedding good benefits practices into plan designs

Better Solutions for Plan Admins

Plan management that uses technology, not paper

About CSBT

The CSBT is a non-profit trust that was formed in January 2002 by a group of not-for-profit community service organizations. Working together, these organizations created the Trust to provide fully insured, locally accessible benefits to social service organizations. 

Our buying power helps us pass the savings to you. We’ve helped over 32,000 employees from 1,000 participating organizations across Canada.

Rather than juggling costs, you can reinvest your savings in your employees and services. Read more here. 

Meet your team

Over 1000 community agencies trust us

Find us!

400 – 15315 31st Ave
Surrey, BC V3Z 6X2

You’re the expert in your field, let us be the expert in ours.

Talk to our advisors now about affordable and configurable health and dental coverage for your business.


Paul Wheeler
Board Chair & Chief Governance Officer, CSBT

For over 40 years Paul Wheeler has worked in and on behalf of Canadian community social service organizations.

He currently serves as Board Chair and Chief Governance Officer at the Community Services Benefits Trust (CSBT), while also serving as an Ambassador for the Trust.

Nick Mombourquette 
Founder & President, NewGround Financial

With over twelve years experience and the Certified Employee Benefits Specialist (CEBS) designation, Nick brings as wealth of experience and knowledge to help solve your most challenging employee benefits and corporate planning situations.

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  • Prescription drug coverage with SMART Rx Solutions
    Save money on prescription drug claims—one of the most expensive components of traditional benefits plans
  • Employee Choice
    Let your employees choose their plan elements—while your business gets cost certainty
  • Health Wellness Accounts
    A benefit allowance that encourages healthy lifestyles
  • Personalized client support
    Seamless transition and ongoing assistance
  • WEBS Online administration
    Industry-leading software to manage your plan easily online
  • ENROL-Me Online
    Employees enrol themselves in your benefits plan from their phone or computer. No forms, no fuss

"CSBT was able to provide all the coverage of our previous provider as well as offering additional services, Life Works and Group critical Illness, for the same cost. Our employees feel this to be a considerable benefit.

We have been with CSBT since April 2013 and we continue to be pleased with their service and competitiveness."

Community Living Centres Inc. - Nova Scotia

"CSBT has a very unique structure as a Trust composed of community service providers.

They understand the needs of support workers and provide not only the typical health insurance but added services such as Life Works, Critical Illness coverage, options for medication purchasing, and tailored overall programs that meet the needs of the employee body as well as the organization.

Many options are included in the program at no additional cost. Continual evaluation and forward thinking are part of the CSBT process."

Our Neighbourhood Living Society - Nova Scotia

"When someone asks me a question I don't know or has a problem I can't solve with respect to pension and benefits, I know Nick and his team at NewGround Financial are just a phone call or email away. 

It's great to have someone reliable to pass the puck to, thanks for all of your help!"

Dartmouth Learning Network - Nova Scotia

"We appreciate having a personal relationship with NewGround where we can reach out and get help when needed. It is refreshing not to work through various prompts on an automated system to get support -  NewGround is responsive & accessible.

The approach to work with NewGround aligns well with the culture of our organization: supporting, learning and relationship-building. They have regularly supported our team, outlining details of our benefits plan: how to use it, answering clarifying questions and increasing our team's confidence with accessing the tools & services in the health benefits system." 

Community Living Centres Inc. - Nova Scotia

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