| Toll Free
Find an Advisor
Video Guide to Buying Benefits
Experience Based Programs
Find an Advisor
2019 Renewal of Pooled Programs
Follow Us On Social Media!
Looking at Benefit Plans for your business?
Give Me A Quote
20 Benefits of Using Social Media for Your Company
A growing number of companies are using social media as part of their marketing strategy. Social media works in many ways as a marketing tool. Let's talk about 20 benefits of using social media for your company. 1. Brand awareness Using social media for marketing will...
Scientifically Proven Ways to Stay Happy at Work!
We are living in a busy world! Always on the go. This can make us feel overwhelmed, stressed or even unhappy when we get to work. What can we do? How can we be happy? We will talk about 5 ways that are scientifically proven to stay happy at work in a stress-filled...
Ways to Reduce Debt and Maintain it!
Having debt over our heads is like a bad houseguest that just won’t leave! We keep trying to hint they should leave but they aren’t getting it. We need to reduce our debt and maintain it! Getting out of debt is life-changing. It isn’t an easy thing to do. It takes...
Increase Productivity With Fitness in Your Workplace!
No one enjoys sitting at your desk for 8 hours. Even the smartest minds can get lethargic after that long. This will result in declining employee productivity. Do you find that your employees hit the 2:00pm wall? Fitness in your workplace can help fix that! In Japan,...
Prescription Drug Costs Breakdown
Understanding the total cost of a prescription drug claims means learning the 3 main components: 1) Ingredient Cost Actual cost the pharmacy pays the drug company or wholesaler to buy the drug. 2) Pharmacy Markup Percentage charged to cover the expenses involved in...
Why Ask For Detailed Quote Information?
Why we need detailed quote information from your current plan? Detailed Quote Information tells us a story, enabling us to create the right solution Getting involved in a Group Benefits program is different than purchasing a commodity. Most consumers are...
Target Loss Ratio: How It Affects Your Benefit Plan
What is a Target Loss Ratio? Target Loss Ratio(TLR) is the amount of premium the Group Benefits provider grants to the payment of claims. It is also referred to as the Acceptable Loss Ratio How TLR is Determined It is primarily determined by the number of lives...
Second Opinion Consultation Coverage
When Your Clients Need A Second Opinion The Co-operators offers expert consultation coverage for serious illness or mental health condition. The diagnosis of a serious illness or mental health condition is a time for clear answers, treatment options and hope. You can...
Employment Insurance Revisions for 2020
The federal government announced its annual revisions to Employment Insurance (EI) maximums and premium rates. Regarding Employment Insurance revisions Clear Benefits would like to help plan sponsors and their members understand the changes that will affect...
Cigna Global Customers – New Welcome Packs
Based on direct feedback from our customers and brokers we are going digital with all policy documents.This allows us to reduce paper waste, which is more environmentally friendly. What is changing? We will no longer be sending hard copy policy documents to our...