Our Services
Our services are designed to support employers, associations, and affinity groups at every stage of their benefit programs. We provide a full suite of brokerage, consulting, and administration services to help organizations build, deliver, and sustain effective employee programs.
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Whether managing cost and risk, streamlining administration, or improving the employee experience, our solutions are tailored to each client’s needs and designed to deliver lasting value for both employers and employees.
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Beyond our group programs, we extend our expertise to individuals through a variety of options designed to support personal health, dental, and travel coverage needs.
Employee Group Benefits Consulting
Designing and maintaining an employee benefit program that is both comprehensive and cost-effective can be complex. We work with employers to develop group benefit solutions that support workforce needs while aligning with organizational objectives.
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Our expertise spans traditional group benefits and flexible plan designs. We provide advisory support across a wide range of areas, including:
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Benefit plan design audits
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Financial assessments and funding arrangements
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Plan implementation and ongoing governance
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Market trends and legislative requirements
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Drug utilization reviews
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Optional insurance programs
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Wellness consulting
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Expatriate coverage
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Employee surveys, communications, and education
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Our consultants take an active, ongoing role in supporting benefit plans as needs evolve. This includes regular monitoring and reporting; funding and underwriting reviews; and coordination with plan sponsors, administrators, and participants. Through this approach, we help clients manage risk and cost while achieving their broader corporate and financial objectives.
Group Retirement Plan Consulting
A strong group retirement program helps employees prepare for the future, while giving organizations confidence that their plan is well-managed. We support employers by providing guidance, oversight, and education to help retirement programs remain effective, compliant, and sustainable over time.
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We offer a broad range of group retirement consulting services, including:
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Plan design consulting
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Asset management consulting
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Plan governance support
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Assistance with retirement committees
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Member education and communications
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Ongoing plan monitoring and support services
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We have extensive experience working with all types of group retirement arrangements, including CAP arrangements, Group RRSPs, Group TFSAs, profit-sharing plans, share purchase plans, Individual Pension Plans, and other compensation arrangements. That background helps clients to meet their responsibilities, support informed member decisions, and ensure plans are administered appropriately.
Association and Affinity Programs
We work closely with associations, affinity groups, employer groups, and individual professionals to develop programs that leverage shared needs and collective purchasing power.
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These specialized arrangements allow organizations and members to access benefits and services that may not be available or affordable on an individual basis. By bringing members together under a single program, we help groups access coverage, services, and pricing advantages that scale as membership evolves.
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Our role includes advising on program structure, carrier partnerships, and ongoing support to help ensure programs remain relevant, competitive, and valuable to members over time.
Benefits Administration Services
Effective administration plays an important role in keeping benefit programs accurate, consistent, and dependable. We support employers, associations, and affinity groups by managing the day-to-day administration of their plans, helping ensure programs operate as intended for both plan sponsors and participants.
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Our administration services include enrollment and eligibility changes, carrier coordination, plan updates, billing support, claims assistance, and issue resolution. We serve as a consistent point of contact between employers, employees, members, and service providers, helping reduce internal workload and minimize administrative errors.
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Through reliable, ongoing administrative support, we help organizations maintain well-run programs while allowing internal teams to focus on their core responsibilities.
Value-Added Health and Wellness Programs
In addition to our core services, clients may choose to access a range of optional health and wellness programs through our network of preferred partners. These offerings are designed to complement existing benefit plans and support employee well-being.
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Programs may include preferred pharmacy networks, executive health assessments, virtual care tools, and wellness solutions that provide added value through preferred access or pricing.
Individual Insurance Programs
We also support individuals by helping them explore personal insurance options. Whether moving off a group plan, seeking coverage without employer sponsorship, or arranging personal travel insurance, we help connect individuals to appropriate coverage options.
Individuals Leaving a Group Program
These programs are designed for individuals leaving a group health and dental plan, often due to a job change or loss of employment. Coverage options are available that allow you and your dependents to continue your health and dental coverage without interruption.
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Applications must be submitted within 60 days of losing group coverage. Coverage is guaranteed, with no medical questions required.​
Individuals Without an Employer Program
These programs are designed for individuals without employer-sponsored health and dental coverage, including those who are self-employed, working on contract, or without access to workplace benefits. Coverage options are available to help support everyday health and dental needs for individuals and their families.
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A range of plan options is available, allowing individuals to choose coverage that fits their needs and budget.​
Individuals Looking for Travel Insurance
Travel insurance options are available to support individuals and families with different travel needs, including Canadians travelling outside their province of residence, visitors to Canada, international students in Canada, and Canadian students studying abroad.
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Coverage options vary based on travel duration, destination, and individual circumstances, and are designed to help address unexpected medical and travel-related events.​
