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Administrators have a lot to keep track of!

Here's a useful checklist that will help you, or your administrator, manage your company's Group Benefits Plan.

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Critical Check List for Group Plan Administrators 

  1. We immediately enroll new (eligible) employees onto our plan (so they will not be treated as late entrants). Their coverage will NOT take effect until their waiting period has been satisfied. Spouses (with coverage that terminates under another plan) are enrolled immediately so they are not treated as late entrants.
  2. We meet our participation requirements (Firms with 1-4 employees require 100% participation; firms with 5 or more employees require 75% participation).
  3. Eligible employees “waiving” all benefit coverage have completed a “Benefit Waiver Form” and a copy is in their employee file.  Click here to download.*Life/AD&D Conversions - Intents to convert these benefits should be sent to our office within 10 days of termination.
  4. Owners and employees continue to meet Chambers Plan eligibility requirements (they are full- time employees and they work not less than 20 hours per week – an average over the month of 20 hours per week does not qualify the individual for benefits). Seasonal employees are not eligible for coverage. We are aware the Retiree Plan (for Owners and Executives) and ContinYou plan (for all employees) may be options for employees who leave our plan or become ineligible for coverage.
  5. Chambers Plan is notified if an employee becomes disabled (even if we don’t have disability benefits on our plan) as they may be eligible for Life Waiver Benefits. Employees who do not apply for Life Waiver Benefits may not be eligible for life insurance benefits at a later date.
  6. We've created a continuation of benefits policy outlining how long we will continue to pay for an employee’s health and dental benefits should they become disabled. I am aware Life and Long Term Disability (LTD) coverage for employees is only up to the NEM (non-evidence maximum) and employees who are eligible for coverage above the NEM limit (based on earnings) must complete a Statement of Health form and apply for any excess coverage.
  7. We've talked with our advisor about the changes to EI benefits. If we don't hold Weekly Indemnity coverage we have also discussed the possibility of a one-week gap in coverage and changes that should be made to our LTD coverage to avoid this. 

Please Remember

If an employee’s work schedule drops below 20 hours per week they are no longer eligible for coverage and must be removed from the plan.


Manage your Changes
Quickly and Accurately.

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Add employees and update earnings online with my-benefits®.  Easier than completing paper forms, my-benefits.ca allows you to check on the status of your changes and access a complete history of your online transactions.

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Time to get away!

Get away with travel insurance and peace of mind

As Canadians, we often take for granted how much travel coverage outside of Canada really costs because we’re fortunate to have provincial health care plans. But did you know that if a medical emergency happens when you’re travelling out-of-country, provincial health care coverage pays for less than 10% of the total expenses?

Many service costs like ER fees, ambulance rides, air evacuations and prescription drugs are not covered at all, while radiology and lab charges are only minimally covered.

 

Our partner and service provider TUGo offers exceptional Travel Insurance Made Easy

Tugo understands with adventure comes the possibility of health emergencies, flight cancellations, trip interruptions or lost luggage.

And if that happens they are There to help! Purchase Tugo travel insurance easily online here


What they Do

Claims at TuGo provides exceptional travel insurance claim services and builds relationships with international hospitals and doctors.

Our dedicated, multilingual team ensures you get the help you need, when and where you need it. In fact, we're available 24 hours-a-day, 7 days-a-week to assist you, or your family, in the event of a medical emergency.

Emergency Medical Assistance

In an emergency, we'll make sure you get the best care possible, wherever you are in the world. If needed, we'll also work with healthcare providers to get you home safe and sound.

Travel Assistance

We offer travel assistance services including:

  • Visa/passport information
  • Lost document assistance
  • Worldwide Canadian consular services
  • Inoculation/vaccination requirements
  • Legal assistance
  • Weather information

Claims Administration

We work hard to process your travel insurance claims as quickly as possible. One of our licensed Claims Examiners will review your medical information (current treatments, medical history, etc.), working with you, medical providers and/or insurers, to get your claim processed in a timely fashion. Once a decision has been made on your claim, he or she will send you an explanation of what was or wasn't covered and why.

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Take off! With your Chamber Plan Travel Insurance

This Chambers Plan benefit is designed to cover charges for emergency medical treatment outside your province of residence and Canada.

*Note: You must be covered under the Government Health Insurance Plan in your province or territory of residence and your provincial health plan must be prepared to pay a portion of any claim. Medical Emergency means an unforeseen illness or accidental injury requiring immediate medical treatment.  

In the event of a medical emergency, you must contact Voyage Assistance immediately to confirm your coverage and to access the covered services. Inside Canada or the US call 1-800-465-6390. Outside Canada or the US call collect 1-514-875-9170.  These toll free emergency numbers are on the back of your Chambers Plan group insurance wallet card. We suggest you carry this card with you at all times.

CONTACTING THE VOYAGE ASSISTANCE CENTRE WILL NOT ONLY CONFIRM YOUR ELIGIBILITY FOR COVERAGE, BUT IT WILL ALSO MAKE THE FOLLOWING SERVICES AVAILABLE TO YOU OR ANY DEPENDENT INSURED UNDER THE EXTENDED HEALTH CARE BENEFIT OF THIS POLICY: 


Medical Assistance and Consultation

If required, Voyage Assistance will help locate a physician or medical facility, monitor an individual’s condition, and guarantee payment of medical expenses subject to the provisions of this policy.

Telephone Interpretation Services

Voyage Assistance will provide translation services in all major languages for an individual who needs help communicating with local health care professionals.

Emergency Medical Payments

Voyage Assistance will advance funds if required in order for an individual to obtain necessary medical service.

Medical Evacuation

At its discretion, Voyage Assistance will arrange and pay for transportation, under proper medical supervision, if an individual must be evacuated to a different hospital or treatment facility or be repatriated to Canada for treatment.

After Hospital Convalescence

Voyage Assistance will pay up to $150 per day for a maximum of 7 days for the cost of daily room and board. This becomes an eligible expense when, in consultation with a local attending Physician, it is determined that the individual is unable to travel and should convalesce after discharge from the hospital, extending the stay beyond the originally scheduled return date.

Return of Dependent Children

Voyage Assistance will arrange for the transportation of children under age 16 to their normal place of residence in Canada by the most economically suitable route. To be eligible, the children must be travelling with the individual who is hospitalized, then left unattended as a result of the Medical Emergency. A qualified escort will accompany the children when considered necessary.

Bedside Visit

If an insured’s travelling alone, Voyage Assistance will provide one round trip economy class airfare, for one immediate family member to join the insured if he or she must be hospitalized for more than 7 consecutive days as a result of a Medical Emergency. 

Click here to download a package that includes;

  • exclusions & limitations
  • how to make a claim
  • and a claim form 

Meals and Accommodation

Voyage Assistance will pay up to $150 per family per day for a maximum of 7 days, for the cost of daily room and board for any

a) family member brought by Voyage Assistance to the bedside of the hospitalized individual who is travelling alone, or

b) individual whose trip home is delayed beyond the original scheduled return date due to the emergency hospitalization of another individual travelling with him.

Trip Interruption

Voyage Assistance will arrange and pay for a one way economy class airfare direct to an insured’s normal residence in Canada (less any refund value of the original ticket), in the event they miss their scheduled flight home due to their own or their dependent’s hospitalization as a result of a Medical Emergency.

Return of Deceased

Voyage Assistance will arrange for the necessary authorizations and pay up to $5,000 for the preparation (including cremation) and transportation of a deceased insured to the normal place of residence
in Canada. The cost of a burial coffin is not included.

Return of Vehicle

If disabled as a result of a Medical Emergency and unable to drive
the vehicle used at the time (provided there is no alternative driver available),
Voyage Assistance will arrange for and pay up to $1,000 for the return of that vehicle by a commercial agency. The vehicle will be delivered to the insured’s normal place of residence in Canada or, if the vehicle is rented, to the nearest appropriate rental agency.

Urgent Messages

In the event of a personal difficulty, Voyage Assistance will assist in the exchange of messages with immediate family members or an employer.

Lost Luggage and Documents

Voyage Assistance will contact the appropriate authorities regarding lost luggage, and the replacement of lost documents.

Legal Assistance

In the event of a car accident, or if the insured is charged with a traffic violation or other civil offence, Voyage Assistance will help locate local legal aid. The cost of the legal services are the insured’s responsibility. 

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Your Chamber Plan Benefits Refresher

Renewing your Chamber Membership and wondering what your benefits are?

As a Chamber member, you have access to Canada's #1 employee benefits plan for small - medium sized businesses! 


Our Disability Insurance

Uses a combination of plans that protect you in the most unexpected situations, insuring you and your business when you need it the most.

Our Critical Insurance

Provides a lump sum benefit of $30,00 that is paid in the event you are afflicted with a critical illness.

Our Short & Long Term Disability Insurance

Provides monthly or weekly income replacement payments if you are unable to work due to an accident or illness.

Our Life Insurance

Protects your family from loss of income, mortgage payments, debt, and expenses do to your unexpected passing.

Our Business Overhead Expense Insurance

 Offers a reimbursement policy that pays an insured’s business expenses including overhead and employee salaries while you are disabled.

Our Extended Health Care Plan Covers

  • $500 of Physiotherapy
  • $500 of Massage Therapy
  • $500 of Acupuncture
  • $500 of Naturopathic Care
  • $500 of Registered Psychologist or 12 hrs of Counselling
  • Prescription Drugs
  •  Emergency Medical Coverage
  • Annual Eye Exam & Vision Care
  • Travel Medical Insurance

Our Basic Dental Insurance plan covers

  • Biannual Check Ups & Cleanings
  • Biannual Fluoride Treatments
  • Scaling & Polishing
  • Fillings
  • Extractions
  • X-rays
  • Oral Surgery & Anesthesia
  • Relining, Rebasing & Repairs to Dentures 

 

Protect your #1 assests ~ you, your family, your business and your staff.

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The Power of Many

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Chamber members have strength in numbers and together we have affordable comprehensive health care benefits.

 

Over 25,000 small to medium-sized businesses in Canada use the Chambers Plan to protect themselves and their employees.

Chambers Plan has been providing small business health insurance since 1970, offering flexible benefit plans with comprehensive coverage to employees and their families, at rates usually enjoyed by larger firms. Thousands of small business owners across Canada join Chambers Plan each year.

Chambers Plan is a pooled benefit plan, meaning insurance premiums are based on the average of claims across all participants. When your claims are bundled together, costs stay manageable and predictable without any one firm ever being singled out for an increase.

Five key features set the Chambers Plan apart from other group benefit plans, making it the ideal small business insurance plan:

  • Pooled benefits stabilize your firm's rates at renewal.
  • Coverage is guaranteed renewable.
  • Local and national support for you and your employees. Ask your local advisor or call our Service Centre toll-free for answers.
  • The Plan can be administered anytime, anywhere with my-benefits®software.
  • Your health and dental claims are usually paid within 48 hours. Direct deposit is available.

Whether you are a business of 1, or a team of 50, we can customize your premium health, dental, disability, critical and life insurance options to meet your needs.

Time to start taking advantage of your Chamber member benefits!

Let's Talk!

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Avoid Summer BURNout

A Chambers Plan Employee Assistance Program (EPA) provides confidential, one-on-one counselling with a designated psychosocial professional for employees dealing with personal issues that include:

  • Job-related Issues
  • Eldercare Problems
  • Dependency Concerns
  • Marital & Family Issues
  • Other Personal Challenges

Private telephone consultation is also available for:

  • Financial & Legal Advice
  • Nutritional Counseling
  • Childcare Problems

An Employee Assistance Program (EPA) can help to:

  • Reduce and manage employee absenteeism
  • Reduce healthcare and disability costs
  • Increase employee morale
  • Increase productivity and job performance
  • Reduce employee turnover and associated expenses

It's easy to get 'burned' over the summer trying to fit in all your summer dreams, work full time, AND figure out how to entertain the family! Talk it through with the Chamber Plan counselling program.


The Chamber Plan EAP provides up to a total of 12 hours of face-to-face counselling per calendar year per family unit. Telephone consultation is also available for assistance with legal and financial issues (to a maximum of three hours each, per family unit per calendar year), or for problems associated with childcare. 

How does it work?

Simply call Arete’s toll-free number 1 877 412-7483 and have your Firm and Certificate number handy. Representatives are available 24 hours a day, 7 days a week, to speak with you and all calls are completely confidential. A trained specialist will ask some basic questions to identify how best to help you. Contact with a professional is then arranged for either face-to-face or telephone counselling. You will always be treated with dignity and respect, and with confidentiality assured. You do not need to ask your employer’s permission to use this service, nor will they be advised of your call. 

An EAP can provide you and your employees support when life's challenges make it difficult to concentrate on work.

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Be the World's Best Boss with the Chambers Plan HSA!

We are pleased to announce the new Health Spending Account (HSA) has arrived.

Add more flexibility to your firm's coverage with a Chambers Plan HSA. 

 

Employees are unique, with different needs and expectations of what benefit plans should offer. HSAs provide employers the ability to supplement their Health and Dental benefits, offering employees more flexibility, by providing coverage for health-related expenses that may not be included in their group benefit coverage or to top up existing coverage.

Simple and effective, HSAs can add flexibility for firm employees and help give firms better control over costs. HSAs are pre-determined amounts of funds that firms provide to their employees at the beginning of each calendar year. Employees and their families can submit claims to cover Canada Revenue Agency (CRA) approved Health and Dental expenses and eligible expenses are reimbursed at 100% up to the total dollar amount available in their HSA. 

The Chambers Plan HSA is designed to supplement, not replace, insured Health and Dental coverage. An HSA arrangement cannot replace an insured benefit requirement. 

For greater details about the Chamber Plan HSA, along with supporting materials, see the links below:

Download Chamber Plan HSA Brochure

Download Application to add Chambers Plan HSA

Or call and let's talk!

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Retain great employees with great benefits!

In today's economy, employees expect group benefits. In fact, almost half of all employees would prefer benefits insurance over an extra $20,000.º And 83% of British Columbians wouldn't switch to a job without a health benefits plan.

º sanofi-aventis Healthcare Survey 2011

Beyond existing employees, a comprehensive benefits plan lets your firm compete against bigger companies for talented employees and managers. Chambers of Commerce Group Insurance Plan offers premium group benefit insurance at affordable rates to medium-sized firms with up to 35 employees.

Compared to other insurance plans, the Chambers Plan stands out by offering many unique advantages to its client-base, over 25,000 firms and counting:

  • Coverage is guaranteed renewable as long as you pay your premiums.
  • Partially pooled benefits allow your firm to keep premium costs stable year after year.
  • Outstanding service and support available to you and your employees 24/7/365.
  • An easy-to-use administration guide and my-benefits.ca lets you manage your group online.
  • Employees rest easy. Health and dental payments are usually on their way within 48 hours of receiving a claim.

Chambers Plan Is Canada's #1 Employee Benefits Plan—Chosen by over 25,000 Firms

Chambers Plan provides employee benefits to over 25,000 firms across Canada—making it the largest benefits plan of its kind.

Because you're in control of the cost and coverage, you get group benefits insurance that fits the unique needs of your firm.

When you join Chambers Plan you add stability to your employee benefits, which means you never have to put off having group insurance and potentially losing talented employees to other companies.

Your employees and their families will get access to all the traditional coverages: lifehealthdentaldisabilitycritical illnessemployee assistance programs and much more.

Rate stability, flexible plans and comprehensive coverage…that's why Chambers Plan is Canada's #1 employee benefits plan.

Let's talk!

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Think about the Long Term

Long Term Disability Benefits Can Help Ease the Burden

If you, or one of your employees, is injured or becomes unexpectedly ill, an extended absence from work may be necessary. Group insurance may cover actual medical costs, but most people will need additional help to cover their living expenses when facing an extended absence from work.

Long Term Disability insurance (LTD) provides employees who are on an extended absence a monthly benefit to help cover living expenses until a return to work is possible. The benefit is usually paid as a percentage of monthly earnings with the percentage varying from 50% to 75%, with the most common being 66.67%.

Coordinate with a Short Term Disability Program for Greater Peace of Mind

Benefits typically begin after 17 weeks which allows for integration with any Short Term Disability programs.  LTD plans can pay benefits for 2 or 5 years, or to age 65 or 70.

If the employee pays the Long Term Disability premiums, the benefits received under this benefit would not be taxable. If the employer pays any portion of the disability premiums, the benefits would be considered taxable income by Canada Revenue Agency.
 

Insuring Employees for the Long Term

Long Term Disability coverage can help provide financial security and allow an employee that is disabled to focus more on recovery and returning to work.

Chambers Plan LTD benefits provide employees with:

  • Up to $7,000 per month
  • Benefits for 2 or 5 years, or until age 65
  • Guaranteed coverage to groups with 3 or more employees (non-evidence limits vary from $1,200 to $3,000)

We can build a group plan to fit your unique needs and finances.

Let's talk!

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Time to Play Hard!

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Work hard Play hard! - with Peace of Mind

But how would a sudden injury or illness impact your business? You can protect yourself with Business Overhead Expense (BOE) Insurance!

BOE Insurance is designed for self employed business owners who generate all their firm’s sales and revenues, and who are involved in the day-to-day operations of the business. Business overhead expense insurance (BOE) covers your business’ fixed expenses if you’re away for an extended period of time due to disability.

How Does Business Overhead Expense Insurance Work?

BOE insurance is available in units of $100 and business owners may purchase between $500 and $2,000 of monthly coverage. In the event of your illness or injury, benefits would be payable starting on the 31st day of an illness or injury and can continue for up to 18 months.
 

What Can the Money Be Used For?

Business overhead expense insurance benefits can be used on eligible business expenses such as:

  • Mortgage or rent
  • Utilities
  • Phones
  • Taxes and licenses
  • Equipment costs
  • Corporate car leases
  • Professional services (e.g., bookkeeping)
  • Salaries for personnel who do not
    generate revenue and whose duties are vital for business operations

Why Should I Get Business Overhead Expense Insurance?

If you want to protect your business in the event of your extended disability, this benefit is for you. When used together with Long Term Disability insurance, business overhead expense benefits can let you recover,  worry-free, while your business continues to run as smoothly as possible.

Let's talk!

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