Corporate Benefits Division



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The Advantage




Getting Philosophical.
The foundation of our philosophical framework at Corporate Benefits Division is that our judgment and recommendations are always based on a thorough knowledge of our clients business and the industry in which it operates.

1) Proper Plan

We review your current benefit offering, cost sharing arrangements, and review the strengths and weaknesses of your current benefit provider. Through a thorough fact find we will uncover the unique insurance needs of your business to be able to prepare our comprehensive report.

2) Increased Awareness

We present our comprehensive report that reviews your current offering providing you with a thorough understanding of how your plan works and serves your needs. We will identify any gaps that may exist, we also explore non-traditional alternatives (ASO, HCSA'S, Cost Plus, HWT, Retention Accounting) and recommend the best solution to meet your needs, which are tax effective, sustainable for the long term and considers the unique requirements for your business.

3) Annual Best Practices Plan

In addition to analyzing and negotiating your benefit offering annually, our services include a semi-annual review/audit of your company's usage which provides a realistic renewal rate forecasting. Monthly contacts combined with a committed staff, made available to assist you and your employees, is another value added service by Corporate Benefits Division. We are highly committed to regularly keep you informed of how your plan is performing, claims trends, industry trends, new product offering and of any changes to government legislation that may impact your business.

4) Long-Term Cost Perspective

Through long-term strategic benefit planning, we will provide you with a total financial risk analysis and a realistic forecast of an immediate and long-term funding outlook for your existing plan and the recommended perfect plan solution.

5) Liability Neutral

We encounter many employers with hidden liabilities in their programs. We will review your corporate structure, plan design, employee handbook and any implemented corporate precedents. The main purpose of this exercise is to uncover any existing liabilities before they become subject to litigation. Although nobody can eliminate all of your liabilities we're extremely diligent on keeping our clientele as close to Liability Neutral as possible. This is an ongoing process, our firm works hard to keep informed of new legal developments so that we can recommend and implement appropriate strategies to avoid any complications and potential litigation

6) Executive Diagnostics

Talent management is quickly becoming one of the hottest topics in corporate Canada. We regularly encounter plans that are more favorable to middle and lower employees than to executives. Our main goal in this area is to educate you towards reverse discrimination and eliminate it. We look to implement tax efficient and unique strategies to attract, retain and motivate talented individuals in this highly competitive business environment.

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