A HCSA is a tax-deductible expense for your company and provides plan members with tax-free coverage of expenses that are not covered under their provincial insurance plan or other benefit plan sponsored by their employer. They can be set up as a stand alone plan, however they are generally added to a core plan to increase […]
Category: Our Services
What is a Personal Spending Account (Wellness Account?)
A PSA or Wellness account provides employees with additional health and well-being options. Coverage options under a PSA are almost limitless. Employers set up their PSA and decide what will and will not be covered. They can set as many (or as few) parameters as they wish. ! When setting up a PSA, an employer […]
What is Telehealth?
Telehealth is a free, confidential telephone service providing health advice or information. A Registered Nurse will take your call 24 hours a day, seven days a week. Assistance is available in more than 300 languages. […]
What is Virtual Care?
Virtual care is a broad term that encompasses all the ways healthcare providers remotely interact with their patients. In addition to treating patients via telemedicine, providers may use live video, audio and instant messaging to communicate with their patients remotely. People can see and talk to a doctor through their smartphone, tablet or computer, meaning […]
What is an Employee Assistance Program (EAP)?
An EAP is a voluntary and confidential service, to help employees at all levels, and in most cases their family members (dependents), who have personal concerns that affect their personal well-being and/or work performance. This is a short-term, problem-solving service and very often only a few sessions are required. If longer-term help or a more […]
What is Administrative Services Only (ASO)?
ASO is the term used for a plan that is not underwritten by the insurance carrier, that is, the carrier does not assume the claims risk but only provides claim payment services. There is no premium paid. Claims are adjudicated based on the services agreement and the employer assumes full liability for the claims risk. The carrier charges the […]
Support Services
Assistance with difficult claims situations Counsel regarding benefits upon termination of employment Advice on retiree benefits Quarterly newsletters on topical benefit issues Inform and advise on changes in government legislation and impact Special risk coverage (e.g. ex-pats, war risk, transitional LTD) […]
Plan Implementation
Assistance with all aspects of a plan transfer Draft employee communication Arrange and attend employee meetings Review contract and employee booklet drafts […]
Plan Marketing
Prepare specifications and submit to carriers Review proposal and identify deviations Provide detailed report to management with recommendations […]
Plan Design And Benchmarking
Traditional & flexible benefit arrangements Short term & long term disability management Employee assistance programs Employee communications Benchmarking to relevant industries […]