Learning Center
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...
How the Coronavirus (COVID-19) Impacts Group Benefits Coverage
We are continuing to closely monitor recommendations from the Public Health Agency of Canada (PHAC) and the World Health Organization (WHO) and at this time, the PHAC has deemed the risk to the Canadian general public as low. Below you will find information to help...
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...
Update to OHIP+ Coverage
The Ontario government has announced that effective April 1, 2019, OHIP+ Children and Youth Pharmacare will only be available to those Ontario residents under the age of 25 that do not have private insurance drug plans. Starting Apr. 1, 2019 Prescription drug coverage...
A Guide to Buying Benefits | Video Series
2019 Renewal of Pooled Programs
2018 Employment Insurance adjustments
The federal government announced its annual revisions to Employment Insurance (EI) maximums and premium rates.Effective January 1, 2018, the following changes will affect Short Term Disability (STD) volumes and premiums: This change affects your STD plan if: The...
The Co-operators Medication Management Program
A cost effective solution for specialty drugs that is focused on the well-being of plan members living with complex medical conditions. We’ve partnered with HealthForward Inc. to deliver a medication management program that provides plan sponsors and their members...
iCBT What It Is and How It Can Help You
The Co-operators therapist-guided, internet-based Cognitive Behavioural Therapy The Co-operators has partnered with Morneau Shepell to deliver an online iCBT program that combines a personalized therapist-guided program with online tools and...
Here4You: Employee and Family Assistance Program
Reach out. Get help. Feel better. Immediate and confidential support You can trust the Here4You Employee and Family Assistance Program to help you and your family find solutions for a wide range of life’s challenges. Caring professionals can help you access support...
Benefits Fraud – How can you recognize it?
Can you recognize benefits fraud? Insurance fraud is a growing concern and we need your help to tackle this issue. It may seem like a victimless crime but benefits fraud impacts everyone; affecting the price of insurance premiums. The Co-operators has partnered with...
Provincial health insurance a prerequisite for plan members
To be an eligible participant in a Co-operators group benefits plan, plan members and their dependants must first have provincial health insurance, and work and reside in Canada. Ensuring it’s in place is the responsibility of plan administrators. Some provinces have...
ContinYou GOLDEN – 2019 Renewal Information
2019 Renewal Information Thank you for choosing The Co-operators for your retirement health and dental benefits. We value our relationship and work hard to create an excellent client experience. Your decision to purchase our ContinYouTM GOLDEN product will provide you...
2019 Employment Insurance adjustments
The federal government announced its annual revisions to Employment Insurance (EI) maximums and premium rates; these changes are effective January 1, 2019. The 2019 Employment Insurance changes will affect the following Short Term Disability (STD) volumes...
Providing Group Benefits to the Medical Cannabis Industry
The following is our current position related to covering employers with Group Benefits for the production and wholesale of Cannabis for Medical purposes: We will consider employers who manufacture and wholesale so long as they are registered with the...
ClearBenefits.ca Pooled Programs support prescription drug choice
ClearBenefits.ca Essentials & Lifestyle prescription drug programs offer uncommon client choice Programs offering both Generic or Brand-Name options therefore giving you more options Client choice at point-of-sale Comprehensive coverage: Prescription-by-Law,...
ClearBenefits.ca Franchise Program Overview
Learn more about the advantages of the ClearBenefits.ca program for the Franchise industry Background: Our pooled program was originally designed for the Retail, Service and Franchise Industry ClearBenefits.ca has one of the only programs that works for the Franchise...