Get Started

Our 3 steps to understanding and selecting the right benefits for you

I

Watch the Video

Why Group Benefits?

2. Find the right approach

3. Get the Quote

Group Programs

Our most popular plans with premium coverage and stable rates

Pooled Programs

More Programs
5

Essentials

5

Lifestyle

5

Franchise Program

9

Specialty Programs

5

Experienced Based Programs

5

Group RRSP

Individual Solutions

Individual Insurance for your and your family

9

Individual Insurance Tools

5

Individual Insurance Planner

5

Simplified Planner

9

Contact us

9

Our Story

9

FAQ and Forms

Employment Insurance Revisions for 2020

Insurance & Taxes

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 Short Term Disability plans.

EI Revisions affect a Short Term Disability plan if:

  • When the benefit is a flat amount equal to the Employment Insurance maximum
  • If the STD maximum is equal to the Employment Insurance maximum
  • STD benefits are calculated using Employment Insurance insurable earnings

If your Short Term Disability plan is affected and your group is head office billed, your January billing statement shows premium adjustments for plan members eligible for an increased benefit.

For groups that are self-reporting, adjust your January premium remittance, as well as all subsequent months to reflect the new Short term Disability volumes of insurance and total premiums.

In the event that your insured Short Term Disability plan or self-insured sick leave plan provides a maximum weekly benefit of less than the new Employment Insurance weekly maximum benefit of $573, your plan may not qualify for the Empolyment Insurance premium reduction program.

Do you have any questions? Please contact your Group Benefits Plan Advisor.

Follow Us On Social Media!

Looking at Benefit Plans for your business?

Health and Dental Premium Relief Extended for June

Health and Dental Premium Relief Extended for June

The health and dental premium reduction we provided to plan sponsors for April and May gave relief in real-time. In implementing this, it reflected the anticipated decrease in plan member health and dental claims due to pandemic closure of service providers. We...
Support For Small Businesses

COVID 19: Support For Small Businesses In BC

Small Business BC Support For the latest information on small business supports, resources and advisory services during COVID-19, please visit Small Business BC. Advisors are ready to help by phone at 1-800-667-2272, email and daily digital meetups. See how COVID-19...
Prescription Drug Cost

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 we ask for detailed quote information

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...
long term disability

Non Evidence Maximums for Long Term Disability plans

ClearBenefits.ca is pleased to announce new Non-Evidence Maximums (NEM’s) for Long Term Disability in our Pooled Programs. The following enhanced LTD Non Evidence Maximum table applies to new business in both our Essentials and Lifestyle programs:                    ...

Looking for a Company Plan?

Receive a personal call from an advisor right now!

Great! An advisor will reach out to you now. Please check your inbox