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Group Benefit Plans

Employers of all sizes seek our total group benefits and health care solutions to improve employee health, satisfaction and productivity while minimizing costs. We work closely with our clients -- matching our clients' resources and capabilities with our proven methodologies, research-based approach and the knowledge of our prominent and innovative staff. For every project, regardless of location, we assemble the team with the right expertise, experience and chemistry for our clients.

Discussions with employers include:

• Review of Benefits Available
• Discussion of traditional benefits including Group Life, Disability, Health and Dental Care
• Review of Employee Paid Optional Benefits including Optional Life, Personal Accident, Group RRSP or Group Home & Auto.

Financial Considerations

• Volume Discount Factors
• Sharing of Risk
• Reducing Retention and Administration Costs
• Competitive Tendering

Services & Administration

• Third Party Administration or Self Administration
• Creation of Employee Communication Material
• Renewal Negotiations with Insurer(s) at Renewal
• Pension Plans and Retirement Arrangements

Group Insurance Consulting

• Plan design and review
• Develop cost control measures
• Assist and develop 3-5 year financial projections
• Review, analyze and negotiate with the insurance company on renewal proposals
• Prepare specifications and analyze competitive quotes by insurance companies
• Report on existing or potential government legislation which may affect the plan
• Develop communication materials for plan participants (e.g. booklets, seminars)
• Develop and implement managed health care plans and flexible benefit plans
• Assist with the implementation of in-house administration system