Alcohol and drug abuse cost the United States an estimated $276 billion each year, mostly in lost work productivity and healthcare costs related to abuse. These costs have caused employers to raise employee premiums, copayments, and deductibles significantly, effectively reducing access to needed medications.


We can assist you in developing and managing complex employee benefit issues including consulting & support services and actuarial reporting:

  • Plan design, underwriting/funding, contractual provisions, contract amendments, insurer financials, claims and benefit administration, claims payment systems, employee communication, benefit taxability, disability management, WSIB, Employee Benefit communication
  • Group RRSP/Pension Programs
  • Employee Assistance Programs
  • Wellness Programs
  • Health Care Spending Accounts / Health & Welfare Trust Programs
  • Full Market Tenders / insurer-Provider Negotiations
  • Blue-Prints for Reducing/Containing Costs
  • Financials - Quarterly/Annual and Special Reports / Reserves Analysis
  • Industry Benchmark Studies, Benefit Surveys, Benefit Committees-Focus Groups
  • Assist with 'budgeted' health and dental rate structures/trend-inflation costs
  • Improving Corporate Image via Benefit Plan, Employee Consumerism/Employee Surveys
  • Assist with catastrophic claims, disability claims, employee claims
  • Assist with Collective Bargaining benefit costs, benefit negotiations
  • Notice and Assistance with Benefit Market Trends
  • Benefit Administration Training/Ongoing Assistance
  • Legislative Requirements/Governance
  • HR/Admin Support - Insurer/Provider Transition, Enrollments, Master Policy, Booklets, etc.
  • Facilitate Preferred-Provider Programs