Employers are under increasing pressure to offer a benefits program that can attract and retain valuable employees. Changes in legislation, new trends and increasing costs make this a challenging task. We will help you face this challenge and manage it appropriately. We will utilize our broad network of resources to offer expertise and provide customized solutions to meet the unique needs of our clients through the following steps:

Plan Audit:

  • Analyze current program
  • Evaluate employer and employee satisfaction
  • Financial review
  • Explore funding alternatives
  • Propose plan design recommendations

Market Survey

  • Prepare quote requests
  • Request proposals from specific carriers
  • Evaluate proposals
  • Review options and alternatives
  • Negotiate with carriers on your behalf
  • Project renewal pricing
  • Propose recommendations
  • Implement any changes

New Plan Implementation

  • Coordinate enrolment procedure
  • Communicate changes to employees utilizing booklets, summaries and meetings
  • Communicate employee and employer contributions
  • Coordinate plan installation and administrator training
  • Assist with the creation of a corporate policy

Annual Plan Renewal

  • Prepare a comprehensive report that outlines your current demographics, claims history and plan design
  • Provide insight as to how your group benefits are priced
  • Review the factors that go into developing rates
  • Challenge unjustified rate increases
  • Recommend and develop cost containment strategies

Ongoing Services

  • Review changes in the marketplace
  • Implement plan amendments
  • Administrative support
  • Claims mediation
  • Monitor quarterly claims
  • Semi annual reviews
  • Review funding levels
  • Identify and solve problem areas with regards to structure and tax effectiveness
  • Review your satisfaction level with the insurance carrier
  • Evaluate our level of service and any areas that can be improved