https://www.carebenefits.ca/home daily 1.0 2021-02-07 https://images.squarespace-cdn.com/content/v1/5fe9f88e76c6db0531a1795e/1611786210587-N3AVHL5IP9JZ2MYBCMM3/CARE_group https://images.squarespace-cdn.com/content/v1/5fe9f88e76c6db0531a1795e/1611785743921-2QQO0R4O73RP4IWQPNAN/CARE_personal https://images.squarespace-cdn.com/content/v1/5fe9f88e76c6db0531a1795e/1611786418508-O1FR71XY62CH825729ER/CARE_insurance https://images.squarespace-cdn.com/content/v1/5fe9f88e76c6db0531a1795e/1609279160734-PCCEWAIVZ0ZZRRHOP6B3/care_benefits_blueLogo_sm.png Home - 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. https://www.carebenefits.ca/about daily 0.75 2022-07-22 https://images.squarespace-cdn.com/content/v1/5fe9f88e76c6db0531a1795e/1611786778452-2SCA1IFOXXPT9HTZ01VT/care_benefits_header_about1.jpg About - About Us Care Benefits was founded by two partners who both started their careers on the insurer side of the business. Our clients benefit from our knowledge about not just products and cost, but also the underlying mechanisms of the “whys” and “hows” of the business. Benefit and retirement programs are more than just claim adjudication – each provider has differing technological, service, contractual differences, all of which have a fundamental impact on how your benefits program actually works. Our speciality is working with our clients to identify pain points of their plans, define goals for how and what we will deliver, then execute on a plan that is mutually agreed upon in advance. 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. We connect the dots between your needs and insurer offerings. https://images.squarespace-cdn.com/content/v1/5fe9f88e76c6db0531a1795e/1609430636922-Y51KNIL6447UKVZY1VOP/care_benefits_header_ian.jpg About - Ian Wilson Tobias Keene, D.D.S. Hailing from Richmond, Virginia, Dr. Tobias Keene brings a bit of unabashed Southern hospitality to all his patients. He moved to Washington, D.C. over thirty years ago as a freshman at Ivy College. Right after graduation, he attended World University’s School of Dentistry. Before opening Keene Dental in 1994, he worked for free clinics and some of the finest practices in the District. He is part of the 123 Dental Association and stays up-to-date on the latest dental discoveries. When not striving to keep his patients happy and healthy, he’s enjoys hiking with his family in Rock Creek Park. https://images.squarespace-cdn.com/content/v1/5fe9f88e76c6db0531a1795e/b6d03d85-1cde-49ce-9ba5-255cfbd60482/Minnie+Headshot.jpg About - Minnie Chen Minnie is the Client Manager of Care Benefit Solutions. She is passionate and dedicated in looking after clients’ best interests, and understanding that our clients have invested a lot of time and effort in building their businesses. She believes in building strong relationships and that client service does not end at the time of the sale. Minnie graduated from the University of Calgary with duel degrees in Bachelor of Commerce, majoring in Risk Management and Insurance; and Bachelor of Arts, majoring in Economics. Minnie has worked in the group benefits industry since 2016, having risen in ever increasing roles with two of the globe’s leading compensation & benefit consulting firms. When she’s not at work, you are likely to find Minnie in the kitchen cooking up a storm, volunteering at the zoo, or planning her next scuba diving trip. https://images.squarespace-cdn.com/content/v1/5fe9f88e76c6db0531a1795e/1609430671994-V62IHJJE8HGKA4FSR014/care_benefits_header_jim.jpg About - Jim Trobec Jim is a technical consultant who supports Care Benefit Solutions. Jim supports Care with tool and strategy support for Care’s largest and most complex clients. Jim is a two times graduate from the University of Calgary, with two Bachelor of Science degrees in Actuarial Science (2011) and Pure Mathematics (2009). Jim has worked in group insurance since 2013 – he spent five years as an underwriter with a leading Canadian insurer, two years working for multi-national consulting firm and some months as a technical consultant for a Calgary brokerage. Jim specializes in large and complex plans but has serviced all segments of the market, working with small business with as few as 3 employees and large national employers that have headcounts over 10,000. In his spare time, Jim is an avid gardener, baker and cook. https://www.carebenefits.ca/what-we-do daily 0.75 2021-02-07 https://www.carebenefits.ca/solutions daily 0.75 2021-02-07 https://images.squarespace-cdn.com/content/v1/5fe9f88e76c6db0531a1795e/1611784097979-KM6D42G7P4RSIJRJIU4A/care_benefits_header_solutions1.jpg 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. Our audits and reviews start with asking a number of questions: When was the last time you reviewed your current cost sharing arrangements, or the tax efficacy of your benefits offerings? Are you aware of any gaps in coverage for life or disability coverage for high earners at your organization? Is your current plan funding model appropriate? When was the last time your benefit plan was marketed? We partner with our clients to answer these questions after doing a detailed, in depth plan reviews of your current and historical benefit offering, and turn this review into actionable advice to save your organization money, drive better health outcomes for your people, and increase financial wellness. https://images.squarespace-cdn.com/content/v1/5fe9f88e76c6db0531a1795e/1611784142608-WAW3M5QNJOI1LBIDMQTS/care_benefits_header_solutions2.jpg Solutions - Defined Contribution Benefit Offerings Many traditional group insurance and retirement offerings include volatility in costs, with price changes driven by shifts in underlying risk. Spending account and cost plus solutions can help organizations significantly de-risk and stabilize benefit budgets. Whether you are a sole proprietor that needs a nimble cost plus account for your family’s health and dental claims, a small organization that wants to offer a tech forward flexible benefit offering, or a large employer that wants to increase employee satisfaction while promoting health, a spending account will improve the health of your organization’s people. If you would like to see how a technology first approach works, we encourage you to click the “myHSA” link at the top of the page and would be happy to book a demo of the platform! https://images.squarespace-cdn.com/content/v1/5fe9f88e76c6db0531a1795e/1609263840522-QUWS2MZZ1HWGF63RU74M/care_benefits_header_13b.jpg Solutions - 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. In the current digital forward marketplace this is no longer the case – there are many options for having a benefit plan that provides employee choice that breaks the mold of the traditional benefit plan. Some considerations include: Modular style flex plans for mid-sized organizations Cafeteria style flex plans for large technology forward firms Flexible spending accounts tied to a baseline traditional benefits offering We don’t recommend flex for all of our clients, as a flexible benefit offering exposes plan sponsors to volatility in costs over and above what typically exists for a traditional plan. That being said, we are passionate about designing and pricing flexible benefit plans that allow employees to engage with their own health needs and out of pocket costs. https://images.squarespace-cdn.com/content/v1/5fe9f88e76c6db0531a1795e/1609262882659-RKUTA6OU4Q3SKT50ED5Z/care_benefits_header_5.jpg Solutions - 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. We specialize in plan redesigns from all different angles: strategic integration into your total compensation planning, employee needs, meeting budget constraints or any combination of these three items. We support a benefits redesign from top to bottom, including but not limited to: Tendering of benefit plan Review of benefits philosophy and program goals Interviews with leadership and key associates Employee surveys Communication campaigns Project management and ad-hoc support https://images.squarespace-cdn.com/content/v1/5fe9f88e76c6db0531a1795e/1609264116183-LFIUVMU8UKXCCG82V3QM/care_benefits_header_14b.jpg Solutions - 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. We work with clients to make sure that a benefits offering is exactly a benefits offering, and that it is delivering what you need in the short term as well as fitting into your long term plans. https://images.squarespace-cdn.com/content/v1/5fe9f88e76c6db0531a1795e/1609260595603-UCHAG97N75MFB3G9MF0E/care_benefits_header_2.jpg Solutions - 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. While benchmarks provide a valuable tool for understanding what is happening in the market, the programs that are valued most by employees are the ones that have been designed to respond to specific requests and needs. At certain employee population sizes (limited due to confidentiality concerns), we support many of our clients with the drafting, execution and result roll up of employee surveys in the scope of a large employee survey or specific to benefit offerings. https://www.carebenefits.ca/contact daily 0.75 2022-06-08