Flexible group benefits that put you in the driver's seat
Choosing your group benefit plan design can be challenging. You want to offer competitive benefits to attract and retain the best employees. You want the costs of your plan to be manageable and consistent. You want to have more control. We can help.
MAXIMUM BENEFIT ADVANTAGE
As a Third Party Administrator, Maximum Benefit can give your company more control, flexibility and stability. You’ll choose from a partially self-funded or fully insured program, and one-enrolment will give your company complete freedom.
HOW IT WORKS
We’ll secure quotations for your Life and Disability benefits from the leading insurers in the marketplace, and help you decide whether to self-fund or insure certain benefits, all in one simple enrolment.
ADMINISTRATIVE SERVICES ONLY (ASO)
ASO is a great way to save your company money and give you greater control over your Health, Dental and Short Term Disability benefits. With ASO you control your options, risk, and costs.
Alberta is the most expensive place to get dental care in Canada. In the past 10 years, fees for dental services have climbed 56%, and Alberta is the most expensive place in Canada to care for your pearly whites.
Bruce Yaholnitsky is a Calgary dentist and a director for the Alberta Dental Association and College who gave several reasons for our high costs:
Lee Kinasewich, Summit Benefits managing partner, says: "You need to know what exactly is covered by your plan, including how often you can visit your dentist, how many units of scaling are included, and educate yourself on the fee guide set out by your insurance company so you can compare that against a dentist's fees."
No set fee schedule in Alberta
Because the Alberta Dental Association does not regulate fees, each dental office sets its own prices. Each insurance company also sets their own fee guide. What does this mean for you as a patient?
I was honoured to be included in the 2015 Chambers of Commerce Group Insurance Plan's Leadership Summit aboard the Oasis of the Seas.
I was also so grateful to be chosen for the Jim Fenrich Achievement Award for achieving commitment to Chambers Plan by consistently demonstrating: plan sales and growth, client service, leadership, success through adversity, professional and personal integrity.
Thank you to my fellow advisors and leadership team for choosing me for this prestigious award!
Save time and paper by submitting your claims through my-benefits eClaims.
No paper claim forms to complete…no looking for stamps….and with all users needing to be signed up for direct deposit, claim payments are deposited into your account within 48 hours of being processed. my-benefits eClaims allows you to electronically submit the majority of your Health and Dental claims, quickly and easily. (Prescription Drug, Travel Health and Health Spending Account claims will continue to require the use of your pay-direct card or traditional paper-based claim forms.)
To submit a claim using my-benefits eClaims, follow these steps for each receipt:1. Read and agree to the “Terms and Conditions”.
2. Select the patient who used the services – you or a covered dependent.
3. Select the service or product supplied (the type of claim). You can also submit claims coordinated with another plan by simply indicating to us who holds the other coverage.
4. Enter the service date and amount charged by the provider. Attach an electronic copy (jpeg, jpg, pdf, gif) of the original receipt, or an Explanation of Benefits statement if coordinating with a plan which has already paid a portion of the expense
5. Click on Submit Another Claim to repeat the process. A new submission is required for each claim receipt.
It’s as simple as that.You will receive an email notice when your Explanation of Benefits has been prepared and claim payments have been deposited into your designated account. You can view the status of any claim, at any time, under the Claims History tab.
Health and Dental for Disabled Employees - Benefit Facts - All organizations with the Chamber of Commerce Group Insurance Plan should have a documented strategy in place in case an employee does become disabled. As well, the Life Waiver Letter needs to be sent to Head Office as they NEED TO KNOW when an employee has been disabled for 6 months!
As a small business owner from 2008 - 2015, I struggled with finding and keeping the best employees. I had a hunch that offering comprehensive health benefits to my staff would change the perception from their position being a "job" to an actual "career". Offering benefits instantly creates a culture where employees feel as though their employer cares about them - not just rhetoric, but actually putting something into practice that proves it.
Over the start-up phase of my business, I had contacted the Lee Kinasewich once or twice, as I had joined the Edmonton Chamber of Commerce and was intrigued by the pooled insurance plan they had on offer. Unfortunately I was "too busy" to get back to Lee the first couple of times, and the benefits idea was shelved for a couple of years.
Struggling with turnover and feeling like I'd hit a brick wall because the growth of my business depended on expanding my employee base, I once again contacted the Chamber, determined to finally get benefits for me and my staff.
Almost instantly, Lee returned my call and we set up a meeting the very next day. Lee met me at our location and explained the different options and plans. Not conversant with benefits, other than using them at my former jobs, I explained what we needed, what our budget was, and the additional features myself as a business owner was interested in pursuing.
Within a couple of days, Lee contacted me with some plan designs and their prices. I was so grateful that he did all the work, taking into consideration the needs of my business and financial state, and custom-designed a perfect plan for my business. He also explained the importance of a critical illness policy for a business owner.
What a relief it was to know me, my staff, and my business were now protected by a group insurance plan. I also noticed an immediate improvement in the longevity, health and happiness of my employees. It felt wonderful knowing my staff and their partners and children were now protected and cared for.
Three years after I first became involved with the Chambers of Commerce Group Insurance Plan as a client, I am now thrilled to join Summit Benefits Consulting as their Marketing Manager. I truly believe in the impact employee benefits makes on a small business and am excited to help other entrepreneurs like myself improve their organizations.
Please contact me directly if you have any questions at firstname.lastname@example.org.
Save money at the pharmacy by filling prescriptions at pharmacies that offer the lowest prices on dispensing fees. Costco Pharmacy is the clear winner, and you don't need a Costco membership to use their pharmacy!
Lee Kinasewich has over 12 years of experience as an employee benefits and life insurance advisor. For 10 years, he worked with his father at Kinasewich Benefits Consulting. He started his own firm, Summit Benefits Consulting Ltd. in 2013 and continues to lead the prairie region as a top advisor and is consistently in the top 20 of advisors in Canada.
Friendly and knowledgable, Lee is a valuable resource to your small business - just like your accountant and corporate lawyer. Call our office to set up a quote!
780.705.5214 / email@example.com
AwardsTop 100 Chamber of Commerce Group Insurance Plan Advisors in Canada in 2005, 2006, 2007, 2008, 2009, 2010, 2011, 2012, 2013, 2014, 2015
National Net Growth Award - #1 in 2008, 2010, 2012
Alberta/NWT Top Producer - 2004, 2005, 2006, 2011
National Persistency Award - #1 in 2008 with 99.7% retention