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BCI Services

 

Our Focus

To earn the right to a long-term relationship by exceeding your expectations on a regular basis.  As a full disclosure benefits consulting firm, we offer more than a traditional employee benefits broker.  In addition to pricing and plan design we focus on benefits governance (reducing liability), dispute resolution, employee communication, and developing a long-term benefits strategy for your business.

 
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Agent

  • Represents one insurer

  • Focuses on rates & plan design

Broker

  • Utilizes multiple insurers

  • Focuses on rates & plan design

  • Some disclosure

  • Some governance

  • Commission based

  • Minimal reporting

consultant

  • Utilizes multiple insurers

  • Actuarial systems to validate and negotiate rates

  • Full disclosure

  • Strong focus on benefit governance

  • Commission based or fee for service

  • Detailed customized reporting

  • Customized plan design including flexible benefits

  • Internal benefit policy development

  • Industry benchmarking

  • Strategic benefits planning

  • Dispute resolution


Plan Design

Customized plan design to meet your needs.  Designing a new program or restructuring existing benefits, from traditional to flexible benefits, health care spending accounts, and personal spending accounts.

initial analysis

Conduct a complimentary benefit analysis of your existing program from both a financial and plan design perspective. Recommending solutions that meet your short term and long term objectives.

Renewal process

Analyze and negotiate your renewal rates annually.  Based on our experience, expertise and relationships we negotiate the best possible position on your behalf.  A detailed report complete with executive summary is provided every year. 

 

Marketing Process

 Request proposals from all benefit providers.  We analyze and negotiate the proposals and present a customized/detailed report complete with an executive summary outlining the results and recommendations.

benefit governance

Reduce liability to the organization by developing internal benefits related policy and ensuring proper administration practices are in place.

full disclosure

The foundation of any long term relationship is transparency.  We disclose all information including remuneration.

 

employee communication

 Help employees realize the true value of the benefits through written communications, live presentations, webinars, and employee surveys.

dispute resolution

 On escalated / sensitive claims issues we become directly involved acting as a liaison between the employee, employer, and insurer.

Pension & retirement

Our pension & retirement experts specialize in Group RRSPs and corporate pension plans.

 

Small Business

Looking for quotes on your first employee benefit plan?

 

Need help managing costs and/or plan design on your current plan?

 

 
 

Mid to Large Business

Whether it be managing increasing health care costs, adding flexibility to your program, or assistance with complex disability claims, we're here to help. 

We'll begin by conducting a complimentary detailed benefit analysis of your program and recommend a short and long-term strategy.