The first step in evaluating a program is to determine the organization’s goals, service expectations, and financial constraints.

The second step is to review the current employee benefits program and analyze its strengths and weaknesses in relation to the stated benefit delivery goals.  Our analysis provides an excellent opportunity to make the changes that are necessary to keep pace with government cost shifting, best practices and new benefits.

More than ever, employers are looking to alternative underwriting arrangements in an effort to reduce spiralling benefit costs. We are proficient in all underwriting methods, including: fully insured contracts, flex benefits and ASO arrangements.  We assist our clients in measuring the feasibility of implementing these arrangements into their benefits program.

Employers want choices and our access to insurance providers is second to none. As independent advisors, we endeavour to place our clients with an insurer that fits their needs and seamlessly assist with the transition.

Employee Benefit Plans should be reviewed periodically against the needs of an employer and its employees.  We help coordinate benefits to ensure they are consistent with a company’s philosophy for maximum value and effectiveness.

One of the most underrated factors that contribute to the success of a benefit program is employee awareness and understanding. We assist with a broad range of communication media, such as employee meetings, webinars and ongoing education.  Our goal is to empower employees to use their benefits wisely.

The proof of a properly managed program and correctly written insurance contract is its effective response when a claim is made.  Our intervention improves effectiveness in this vital area due to strong relationships and influence with Canada’s premier insurance carriers.

We monitor a plan’s financial experience by producing quarterly claims reports and a complete annual review. Our monitoring influences the insurer’s rate adjustments and eliminates financial surprises. We also negotiate with carriers on the behalf of our clients to assure competitive renewal terms, guaranteeing the financial integrity of their benefits program.