Care Benefit Solutions:
Specialists in Group Insurance, Group Retirement Services and Personal Insurance Solutions.
Group Insurance
Group Retirement Savings
Personal Insurance
Care Benefits
We are a totally independent Canadian consulting firm and brokerage that specializes in group benefits, group retirement services, and personal insurance solutions. Our organization was founded in the middle of a global health pandemic to challenge the new status quo in the private insurance market. Our guiding principle is to put empathy at the core of everything that we do – understanding constraints of our clients as well as addressing needs of employees is vital to the success of a market leading benefits program.
With over 30 years of experience on both the insurer and consulting side of the business, we have experience working with all different sizes of clients. From a small family owned and operated business to large multi-national firms, we understand that organizations have different challenges based on their size and tailor our approach to attain the best possible outcomes as defined by your priorities, not ours.
What Makes Us Different?
We don’t believe in the one size fits all approach – each problem you face today is unique to your operation, and we work tirelessly to advocate on behalf of our clients for cost effective solutions designed to make insurance easier for plan sponsors, plan administrators, plan members and individuals.
Whether it’s group benefits, Group Retirement Services, or Personal Insurance Services, we have you covered!
“I was very impressed by Ian and Jim’s work on our behalf – after providing them with financials and historical benefit plan related documents to review, they came back with pointed insights and actionable solutions that drove real value for our firm. We have acted on a number of their recommendations and are capitalizing on their strategic advice.”
– Gary, CFO of a Western Canadian based transportation firm with over 1,500 employees
Care Benefit Solutions
Audits and Plan Reviews
Our greatest value driver for clients comes in the form of plan audits and reviews. We drive significant value for our clients via detailed audits and reviews of efficacy and identify any gaps or unneeded coverage that might be in place.
Defined Contribution Benefit Offerings
Many traditional group insurance and retirement offerings include volatility in costs, driven by shifts in underlying risk. Spending account and cost plus solutions can help organizations significantly de-risk and stabilize benefit budgets.
Flexible Benefits
Flexible benefit plans are the hallmark of large market leading employers, and for a long time were considered a major differentiator when it comes to talent attraction and retention.
Plan Redesigns
Benefit plans are living, breathing things – as the health needs of an organization’s employees and their families change, the underlying plan needs to be regularly reviewed and updated.
Employee Surveys
Most benefit plans are designed via benchmarking reviews, with the underlying assumption that senior leaders and key staff have detailed understandings of associated dollar values with certain benefit design offerings.
General Advisory
The challenges you and your business are facing change all the time. Our advice, policy reviews, financial reviews and approach to benefit offerings are couched in the fact that our problems are our client’s problems.