Group Benefits / Pensions / RRSPs
We facilitate the implementation of new group health benefit and retirement programs, including providing employee communication support, as well as ongoing program management.
Renewals & Rate Adjustments
Our annual renewal negotiations ensure that rate adjustments are consistent with our clients’ industries, demographic compositions, and claims experience, and remain competitive in the marketplace.
Our services include:
- Negotiation of overall funding and fee arrangements.
- Quarterly claims experience reviews and analysis to ensure that our clients are kept current with the financial circumstances of their program.
- Plan design and utilization benchmarking reports.
- Preparation of letters of direction for employer signature to authorize plan changes.
- Competitive market reviews as required to ensure costs continue to be fair and competitive.
- Updates regarding legislative changes affecting the design or administration of the plan.
- Development and coordination of creative programs, such as flexible health care spending accounts and executive medical services.
Continual Assessments
We offer continual assessments of your plan, taking the following into consideration:
- Analysis of emerging trends and normative data that impact a client’s benefit program
- Designing plans to meet executive benefit needs
- Corporate philosophy
- Employee needs
- Employer mandates / changing objectives
Relationship Management
We facilitate the relationships between our clients and the group retirement providers.
Administrative Support
We serve as the liaison between our client’s human resources department and the group retirement provider. In this capacity, we can assist in the resolution of administrative concerns, and effectively educate both parties on the particular needs of the other.
In addition, we provide assistance and guidance to plan administrators with respect to day-to-day issues which may arise.
Executive Benefits
- Key person protection
- Funding shareholders’ agreements
- Business loan protection
- Executive disability plans
- Critical illness protection
- Tax-exempt insurance
- Enhanced retirement programs
Employee Personal Insurance Planning
- Family security at death
- Disability protection
- Critical illness protection
- Long-term care
- Estate tax
- Insured asset transfer
- Education funding
- Wealth accumulation
- Individual health and dental plans
- Travel insurance
Testimonials
Our company has been with Billy since 2013. We are very happy with the services that he has provided, competitive rates, excellent comparisons and advices but most importantly an amazing relationship based on trust and friendship. Your professionalism, knowledgeable insight and unbiased attitude when working with insurance providers has allowed us to entrust this important area of our business to your capable hands, with proven results. I would not hesitate for a second to recommend his services.
Thank you for all your hard work.
Rosa Martelli
Billy Emra has been providing exemplary services as it pertains to our health, benefit and RRSP plans to Safety First Consulting since 2013. He has always been prompt and diligent when providing advice or implementing changes as required. Billy is knowledgeable and very helpful when it comes to providing trend analysis statistics and provides his feedback to ensure the plan is continuing to work for us. I would highly recommend Billy for any of your health and benefit/RRSP related needs.
Mary Strazzeri
We have been a client for many years. I can honestly say that I have never been disappointed by the customer service that Billy provides. It’s nice to know that you have him on your side looking out for you and your employees. I never feel like any question or concern is too trivial to ask about. I would highly recommend him if you are looking for group health benefits, as we are certain he will live up to the high expectations that are placed on them. We look forward to a continued long-term successful relationship. We wouldn’t consider going anywhere else!
