What We Offer You!
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Plan Renewals
Managing the annual renewal is a core service to any benefits consulting firm. We take a very hands-on and in-depth approach to the annual renewal. We review and analyze the renewal in detail to allow us to negotiate a reasonable renewal with the insurer(s) and provide the client with any insight into what are the key cost drivers to benefit plan.
Market Study/Request for Proposals
We take a very in-depth approach to managing market studies which goes beyond simply reviewing proposed rates. We will make sure clients have a thorough understanding of the costs and services that each insurer has proposed. Besides conducting market studies for group insurance plans, we can also attend to Employee and Family Assistance Programs
Individual Insurance Plans
We work with our clients to assist in identifying their needs both short and long term, and finding the best insurance products to meet those unique needs.
We can guide you to the right choice for you, and work within your budget to provide you with a policy that you can feel safe knowing that your family are protected. We work with many different insurance companies to find the right insurance for you.
Life Insurance
We work with our clients to assist in identifying their needs both short and long term, and finding the best insurance products to meet those unique needs.
We can guide you to the right choice for you, and work within your budget to provide you with a policy that you can feel safe knowing that your family are protected.
If you are a business, and need options for insurance for you and your business partner(s), we will work with you to provide you with a variety of options that will work for your particular business needs.
Disability Insurance
If you are working because you need the income, then you need disability insurance protection. If you do not have disability insurance, where will you get the money to pay your bills? Thousands of families have lost their homes and way of life because of an income earner’s disability. Many thousands of other families have kept their homes and way of life because they were insured for loss of income.
Health & Dental Insurance
We can provide you with private health insurance to help lower your risk of being burdened by unforeseen expenses due to an illness or accident. While provincial health plans provide coverage for many health expenses, there are gaps that can have a significant impact on your finances.
For example, it is not unusual to see life saving drug therapies can cost in excess of $100,000 per year.
Group Insurance Programs
There are many benefits of having a group insurance plan for your business, including:
Attract & retain skilled dedicated employees
Minimize employee turnover
Healthy, appreciative, and engaged employees
Reduces absenteeism
Sets your business above competitors
Benefits Plus Inc. works with you, the business, union and/or association to design a group insurance program specific to your needs. We will analyze your current program and give you knowledgable and experienced advice on underwriting methods, administration, claims payment and provide ongoing management of your program. We do business with the top group insurance providers in Canada.
We are proud to be the exclusive provider of The Business Market Group Insurance plan, through Manulife Financial. Check out The Business Market on our home page.
Employee & Member Surveys
Gaining insight into what employees / members think or know about the current plan or services can provide valuable input to an organization. it can be an opportunity to identify perceptions of employees / members that may not be accurate and using this information to identify opportunities to educate employees and members. Surveys can also be important in designing a benefit plan that meets the needs of employees / members. We can assist clients in designing surveys and providing summary reports of the survey results that can be presented to committees along with the employees and members.
Plan Sponsor Surveys
Some organizations want to get a better understanding of what other plan sponsors are offering for benefits, benefit costs, and what challenges that are facing. We have the experience to properly develop surveys and strategies to encourage participation. We can collect and present the results to our clients and analyze the results to get valuable information.
Employee & Member Communication
Whether its newsletter, posters, emails or presentations, we can assist clients in properly communicating the benefit plan. This could include communicating renewals, market study results, plan design changes, general benefit information, tips for managing cost and much more. A strong communication plan with employees / members can provide significant value to plan sponsor.
Wellness & Additional Services
Wellness is no longer a trendy discussion, it has become a need for many organizations. That being said what encompasses wellness has become a diverse definition. We can assist clients in navigating the various wellness options that are available. This could include service available through existing providers such as insurers, and EFAP (Employee and Family Assistance Program) providers and what other providers can be introduced to the workplace.
There is a growing list of new providers being introduced to the benefits industry whether that includes second medical opinions, telemedicine, pharmacogenetic testing, EFAPs, addiction services, Executive Medicals and much more. Whatever it is, we can provide insight and education on the service, and connect clients to the relevant providers.