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GRoup Employee Solutions

Group Benefits Consulting

Fully Insured

Administrative Services Only

Defined Contributions

Classic. Reliable. Secure.

Fully Insured

Fully insured health benefits are traditional, turnkey solutions that provide your employees with the level of coverage that you desire for a predetermined monthly fee. These plans are customizable and yearly expenditures are easy to calculate.

KEY FEATURES

Know your monthly expenditure

Easy budgeting and financial planning.

Turnkey solution

Choose the level of coverage to offer your employees.

Great customer service

Insurance companies offer significant resources.

Low risk

Insulated from fluctuating health claims.

It’s always the little pieces that make the big picture. Health Benefits can feel like a puzzle. We can help you solve it.

Wouldn’t it be great if your insurance company gave you money back?

Administrative Services Only (ASO)

Administrative services only (ASO) is as highly effective way to fund the high frequency low risk health care claims of your group benefits. The benefits coverage is identical and just as customizable as a traditional benefit plan. The difference is, you are pay for what you use. This means more control and transparency.

KEY FEATURES

Transparency

You know how your money moves through the plan.

Reimburse

Reimbursements for your day-to-day claims.

Catastrophic Claims

Catastrophic claims are still insured.

Easy Renewals

No more negotiating.

Aso Calculator

Target Loss Ratio: 85%

Premiums:

Health:

Dental:

Experience:

Health:

Dental:

Aso Results:

Fully Insured Cost

Aso Cost

0.00

0.00

Estimated Savings per Year

$0.00

0%

Based on the comparison between your claims and your premiums, ASO appears to be a __ option.

We here at BenefitsPensions.com can help you.

Everyone is unique.

Defined Contributions

Wouldn’t you like a health plan that fits your life without the extra cost?

Defined contributions are a great as a stand-alone plan or as part of hybrid solution. These plans are effective tax free accounts to provide employees and their families a wider range of coverage for medical services and dependents not typically allowed under a normal group benefits plan.

We offer two variations with their own unique benefits:

Health Spending Accounts

Technology to drive the account. 1 and 2 year rollover options.

Health and Welfare Trust

A trust is established and funds remain with employee for life and accumulate when not used.

If you choose a Health and welfare Trust for your business we will embed a link in your company website.

And shared benefits:

Employees have the flexibility to spend their health dollar as they need.

Coverage is greatly enhanced to included additional dependents and health services.

Contributions are tax free and increase when you are ready.

Easy to use and understand.

Defined Contributions Calculator

Number of Employees

Singles(?): The number of individuals within the organization that only need to insure themselves.

Family(?): The number of employees within the organization that have dependents to insure.

Health Premiums

Unit Rate for Singles(?):The cost per employee based on single coverage.

Unit Rate for Family(?):The cost per employee based on family coverage.

Dental Premiums

Unit Rate for Singles(?):The cost per employee based on single coverage.

Unit Rate for Family(?):The cost per employee based on family coverage.

Removal of Paramedical

Annual Amount per Employee

$0.00

$0.00

Option 1

Singles:

Family:

Defined Contributions

Removal of Paramedical and Dental

Annual Amount per Employee

$0.00

$0.00

Option 2

Singles:

Family:

Defined Contributions

Removal of Health and Dental (excluding insured benefits such as the drug card, life etc)

Annual Amount per Employee

$0.00

$0.00

Option 3

Singles:

Family:

Defined Contributions

Questions? Need to Contact Us?

Our team of consultants are happy to customize a holistic plan at a moments notice.

Testimonials

A Few Of Our Satisfied Clients

Easily one of the best in the business. You're really getting the whole package with BP. They're not just brokers... they're consultants with deep expertise. Not a lot of firms offer the communication, policy and review services as well and these guys have it all. Strongly recommend!

Louis Selmeci

BP consulting was extremely helpful in handling my insurance needs and providing me with advice to find the right type of coverage as a new home buyer.

Valerie Winder

Excellent support and service, above and beyond. Helped with HR and recently, Union negotiations. Would refer!

Chad Doiron

Were I not in the industry I would not hesitate to go to BP for any need in benefit or retirement planning, or individual life insurance. Heck I'd even act as a reference. Coming from a competitor, that should speak volumes.

Ryan Geerts

We took on one of their hybrid solutions. Our staff loves it and my cost are better under control. We had specific problems that required out of the box thinking, I would definitely recommend.

Adriano Martorano

Very knowledgeable. Would recommend.

Matthew Aceto

We are here to help

Request a Call Back

Ready to get started? Submit our form to request a call back and we will get back to you as soon as possible. You can also give us a call at +1 877 228 3388 or email us.

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Office In
Toronto
Address

1235 Bay St. Suite 700, Toronto, Ontario, M5R 3K4

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Office In
Vancouver
Address

666 Burrard St. Suite 500, Vancouver, British Columbia, V6C 3P6

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Office In
Calgary
Address

888 3rd St. Suite 1000 West Tower, Calgary, Alberta, T2P 5C5

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Office In
Montreal
Address

2001 Blvd. Robert Bourassa Suite 700, Montreal, Quebec, H3A 2A6

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phone number

1.877.228.3388

Email

info@benefitspensions.com