Get Started

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


Watch the Video

Why Group Benefits?

2. Find the right approach

3. Get the Quote


Our most popular plans with premium coverage and stable rates






Franchise Program


Experience Programs


Benefits Management


Group RRSP


Individual Insurance for your and your family


Simplified Planner


Contact us


Our Story


FAQ and Forms

Get More for Less

Benefits, Claims

More For less

In Group Benefits clients frequently tell advisors “I want to get more for less.” However, the reality in life is that you almost always get what you pay for. And often you will not get what you expected. That is when the true cost becomes apparent.

When it comes to Group Benefits, many clients have been led to believe the lowest price on the spreadsheet is the only cost to consider. Honestly, this is not the case.

There is More to Consider

Experienced plan administrators and clients know there is a lot more to consider. 

Based on actual client feedback, here is a light-hearted (but honest) summary of how you can get “more for less” with traditional, experience-based Group Benefits plans. 

You can get to:

  • Spend more time each year with your Insurance Advisor to negotiate rates, complete and submit quoting information, review prices, coverage, and features for a product you already have.
  • Learn new forms and new online systems.
  • Have your staff repeatedly point out the small differences in how the new plan is not exactly the same as the old one.
  • Experience lost productivity through the change-over process (industry estimates place this cost at approx. 10% of the annual premium).
  • Usually, figure out how to deal with the large rate increase at renewal as a result of the undisclosed introductory pricing you were most likely provided when you started your experience-based plan.
  • Experience feedback from your staff when you need to make a significant increase in their benefits payroll deductions in order to keep the level of benefits the same or when you have to reduce benefits in order to keep the payroll deductions similar.

Looking for a better way to do benefits?

Therefore, you may want to consider a Pooled Group Benefits plan. That is if reasonably predictable pricing is important to you for your business. 

About Us: 

Do you wonder how COVID-19 effects our Group Benefits? Click here to read our COVID-19 update.

Clear Benefits is a Group Benefits Provider that will develop, distribute, manage, and service Pooled Group Benefits programs. We work with businesses that have 3 – 50+ staff.

Visit us at or contact your Group Benefits advisor for more information on our Pooled Group Benefits products.

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 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:                    ...

Medical Cannabis Coverage

Groups with over 100 lives can request to add medical cannabis coverage to their Extended Health coverage. Medical Cannabis Coverage In October of 2018, recreational marijuana will be legalized in Canada. The legalization of recreational marijuana has sparked a...

Experience-Rated Program: Finding Facts

Since the launch of our Experience-Rated Program, we get asked to provide both Pooled and Experience-Rated quotes. We believe the 1st priority is to understand the client need and what outcome they are trying to achieve. Fact-Finding - A Better way to do... Pooled Programs – YTD Performance

We just completed our monthly review and thought I would share an update on the YTD performance of the pool: Fiscal year-end: Nov 30 Renewal rate implementation: June 1 As of August 31, 2018 we are 9 months into our fiscal year Claims are below target for...