Employees always seem to appreciate a benefits plan that provides good value. They could now have
affordable access to a wider variety of quality healthcare than they may normally afford for themselves
and their families (i.e. dental, prescriptions, vision, chiropractor etc.)
A healthier workforce means fewer sick days and less disruption for your business.

Employers are always pleased with how affordable our plans are.
We look at a variety of factors in order to match the right cost structure to your unique situation.

Most employers share the cost of a plan 50/50 with their employees.
Generally employees expect there will be a cost sharing of the plan.

Yes. It can apply to a married couple, common-law spouses or a single parent with 1 eligible dependent.

Not really. Normal ongoing administrator functions are just regular maintenance; adding/deleting
employee & dependent information and payroll deductions of the employee portion. Employees are
responsible for reporting any changes to the plan administrator, and for privacy, employees submit
claims directly to the insurer.

Yes! We utilize a structured approach from our initial contact to the ongoing service.
Our structured approach is designed to ensure your plan runs smoothly, is kept current, contains costs,
and effectively eliminates common administrative issues that can arise.

We find that if the employer’s portion of the monthly premium is approx. 2.5—3.5% of payroll (based on a
50/50 cost sharing with the employees), both the employer and the employees are comfortable and feel
they are getting good value. Depending on the option selected, this can be more affordable than a cash
raise, with no additional EI, CPP or WCB contributions.

Coverage levels directly affect rates
• Higher levels of coverage have higher premiums
• Decreasing levels of coverage have proportionately lower premiums
• Looking to contain costs? The only sustainable solution is to select a different coverage level

ClearBenefits.ca pooled plans are ideal for clients wanting stable, predictable rates
• Shared risk through claims pooling makes our plans the easiest to budget for going forward

Appropriate for clients that prefer a plan where rates are based on their own claims experience.
• This program features wholesale (pooled) TLR’s which can lower result in lower rates.

Yes. We can typically manage an existing benefits plan with your current provider
• Ask about our Benefits Management services

No existing plan:
• Company contact information
• Employee information
Existing plan:
When a client decides to change suppliers, additional information will be requested. This simply provides the
quoting insurers the required information in order to properly assess risk.
• Company contact information
• Employee information
• Current plan design
• Claims and rate history