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

Benefits

Our most popular plans with premium coverage and stable rates

5

Essentials

5

Lifestyle

5

Franchise Program

9

Experience Programs

9

Benefits Management

9

Group RRSP

Insurance

Individual Insurance for your and your family

9

Simplified Planner

9

Contact us

9

Our Story

9

FAQ and Forms

Why Ask For Detailed Quote Information?

Advisor Portal, Tools

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 familiar with purchasing commodities and supplies on a one-time transactional or for a set period or services. If the customer chooses to change suppliers, their usage and buying patterns have no bearing on the pricing with the next supplier.

Group Benefits are like auto, home and commercial insurance where previous accident and/or claims history follows the client to the new provider in order to properly assess risk. Providers will not quote on an unknown risk when the information is available.

What the information can tell us:

  • Was the reason for a rate increase due to inflation trend, teaser rates or increased usage?
  • Resizing / layoffs – increased usage if staff are afraid of losing plan
  • Turnover – problem with the waiting period?
  • Affordability
  • Reduce unnecessary risk
  • Recent hiring
  • Plan design
  • Unusual high-value claims

Why Do We Ask For Employee Information?

  • Average age – is someone older than the termination age of our plan?
  • Province of residence – Each province has different medical plan coverage – as Extended Health plans pick-up where provincial plans leave off, rates are different per province
  • Dental rates are also different in each province
  • Family status – accurate pricing – esp. couples vs. family
  • Job description – if that occupation eligible for all benefits?
  • Employment Start Dates – long term staff or high turnover, recent hiring
  • Incomes are for 2 purposes – disability benefits & measuring affordability
  • Hours worked – help create definition of “permanent full-time” you want to provide coverage to

Why Do We Ask For The Most Recent Renewal – Including Rates & Claims?

  • Creates understanding of your current situation
  • Can tell if you were provided artificially low “teaser rates” that may have created an unrealistic expectation of what your level of benefits should have cost.
  • Is this a 1st year renewal?
  • If a company changes providers frequently – why
  • Does the client have higher or lower than typical usage
  • Prior years experience tells us if there is an upward or downward claiming trend

Billing Statement?

  • Does the information match the employee information?
  • Do the volumes of coverage match the employee information?
  • Are there differences in the family status compared to the employee information?

Booklet With Current Plan Design

  • Has the plan kept pace with changing consumer trends?
  • Does it manage drug risk?
  • Is coverage over-weighted in some areas and need to be rebalanced?
  • Are there multiple classes of staff?

Our objective is to provide you with enough information to help you make informed decisions, so that you can make the best long term choices for your business.

Get In Touch With Us

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...
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:                    ...

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...

ClearBenefits.ca 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...