Determining how to fund the benefit promise made to member’s is the biggest challenge faced by Plan Sponsors and their Advisors.
Focus is often misdirected at the resulting claims, rather than at the initial "open-ended" promise. Helping manage the ‘promise’ made by plan sponsors is where we add the most value.
Worker’s today are more sophisticated and productive than ever. In a career, one will likely have many different employers.
Keeping your workers engaged, motivated and productive can have profound consequences on an organization. Let us manage a retirement program within your budget, that says; "we care.”
Benefit and Retirement programs are not one size fits all solutions. How do you engage Senior Management to drive results?
Our risk assessment outlines ‘gaps’ in coverage that we use ‘Insurance’ to fill. This includes recommendations for disability top up, buy-sell funding, key person or business overhead insurance.
Human Capital Benefits has partnered with YouTube sensation, Dr. Mike Evans (Evans Health Lab), to integrate WELLNESS strategies through engaging informational whiteboards and other media, in support of client initiatives. We want to increase awareness and engagement at the member level in an entertaining and educational way. One such content example is, “Make Your Day Harder”.
Critical Illness Insurance is one of Canada’s fastest growing benefits, gaining popularity in nearly every sector. It is an important benefit for the financial and physical wellbeing of your employees in the face of incredibly common ailments.
As more employers adopt this cornerstone product, the question shifts from “do I need critical illness insurance” to “which product is right for me?”
Recently, we met with a plan sponsor looking at structural issues in their plan that contributed to continually rising costs.
In the face of these costs, the company marketed its plan regularly. What it found was that it did not take long after changing insurers for the new insurer’s once generous pricing offer to reverse course and to continue the upward ascent of previous price escalations.