Group Benefit Plans

Why have one?

As an individual or an employee

Unexpected health or dental issues with you or your family members can significantly affect your finances. Having a benefit plan is a great way to protect your finances and the well-being of your family and yourself.

As an employer

Benefit plans are a great incentive for attracting quality employees. The measure of well-being of your workforce should be equal to the productivity of your workforce. In times of trouble, salaries are reinforced, a plan is put in place and you have a better chance of predicting an outcome and action plan in the event of serious illness.

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Self Funded Plans

By exploring alternate funding methods for your benefit plan you have the potential to achieve true cost reduction. This may include accepting responsibility for the payment of more predictable health and dental expenses while the high risk coverage such as life and disability get funded through an insurance contract. Alternatively if the risk tolerance is low, a fully insured program can be created and implemented through a volume-discounted pool.

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