my-benefits for Plan Administrators

Looking for an easy way to administer your group benefits plan?

The Chamber Plan offers my-benefits, an easy-to-use online administrative tool that can be accessed by both plan administrators and employees. 

Your plan administrators can use my-benefits to access your firm's coverage and group plan information, they can enrol a new employee, calculate payroll deductions, and even terminate employee coverage. 

my-benefits® for Employers is an online administration tool that allows you to manage your Plan, calculate payroll deductions, enrol employees, and more. Let my-benefits be your online personal...

my-benefits provides you with tools and resources to better understand your group plan, making it easy for your plan administrators to access any questions they might be asked regarding employee coverage. 

Simple Ways to Maintain A Healthy Lifestyle

Are you one of the many people who suffer from common aches and pains? It’s much more common that one might think and can often be helped by increasing your daily activity, and this doesn’t have to mean buying a gym membership and cutting your favourite foods out of your diet

We found an article with some simple suggestions to relieve every day aches and pains.

One of the simplest ways to increase your activity level is to get social with your friends. If you’re the type who frequents local coffee shops, try taking your coffee to go and exploring nearby neighbourhoods or venture down to the river valley for a peaceful change of scenery. If you’re looking for a bigger challenge, try signing up for a fitness class, like spin or yoga with your closest friends.

Another way to soothe pain is by frequently stretching your muscles. If you work in an office, you should stand try to stand up from your desk every 15-30 minutes. In doing so, you can take a short walk around the office, walk up and down the stairs if you’re able, and take the time to stretch your muscles.

If this decreases your productivity too heavily, you can try some simple neck, leg, and arm stretches at your desk. Not only will this give your body a break, but it’ll also give you a chance to rest your eyes and to re-cooperate your mind from tedious work tasks.

In addition to stretching, you should try to maintain proper posture as much as possible throughout the day. We know it is much easier to slouch in an office chair, but keeping your head up, shoulders back, and chin tucked can really help to prevent shoulder and neck pain.

The article also notes that we should try to maintain our lower body strength to prevent falls as we age. An easy practice to keeping your lower body in check is to stand on one foot as you are engaged in conversation or standing in line at a store. This is a very simple task that will help to maintain your balance and improve your lower body strength.

Keeping healthy doesn’t always have to be a daunting task, however it should always be placed as a priority to keep you strong and healthy into the later stages of your life.

If you’d like to read the full article, please click here 

Health and Dental Coverage for Disabled Employees

When one of your employees becomes disabled and has been approved for Long Term Disability the employer needs to decide what happens with their health and dental benefits. As an employer, there are a number of questions to consider, such as:

  • Should health and dental benefits terminate for an employee who becomes disabled?
  • Will the cost of carrying the benefits for the disabled employees impact your ability to provide a competitive and affordable program for active employees?

If you have decided to continue health and dental benefits, then you need to consider the length of time you are willing to provide these benefits for disabled employees. Some options to consider are: 

  • Continue the benefits on the same basis as if the disabled employee was an active full time employee 
  • Provide benefits for a disabled employee for a specific period of time
  • Provide benefits based on a graded schedule, based on years of employment. A sample schedule could be similar to the following: 

Things to note when considering the continuation of health and dental benefits: 

  • Employees can be required to continue to pay their portion of the health and dental premiums
  • In order for an employee to be removed from the plan all together, the employee must be terminated 

For more information on extending health and dental benefits, please contact our office.

Extended Health Care Benefits

The Chambers of Commerce Group Insurance Plan offers a number of different Extended Health Care benefits. Some of the commonly forgotten about options include coverage of medical equipment and supplies as well as paramedical practitioner coverage. The following is a list of services that are covered by the extended health benefit. 

Medical Equipment and Supplies: 

  • Up to $25,000 per person towards home nursing care 
  • Emergency group or air ambulance to the nearest hospital
  • Up to $700 per person towards the purchase and installation of hearing aids 

Paramedical Practitioners

  • Audiologists 
  • Chiropractors 
  • Podiatrists and Chiropodists
  • Massage therapy 
  • Acupuncture 
  • Physiotherapy
  • Licensed speech therapy 
  • Naturopaths, not including food or vitamin supplements 
  • Osteopaths 
  • Clinical dieticians 

Make sure you make the most of your health care plan by becoming aware of all the services that your plan covers, and ensure that you submit all of your claims for reimbursement. 

Hints for Navigating Your Healthcare Plan

It can be easy to forget about keeping our office up to date on changes to your health care plan, but we want to make sure you get the most of your benefits. Here are some tips to help you navigate your Group Benefit Plan: 

  • You have 30 days to notify your plan administrator if you experience any life changes that will affect your coverage (marriage, birth of a baby, lost coverage through your spouse's plan, etc). If you miss the window of opportunity, there will be penalties/restrictions to your or your dependent's coverage. 
  • Your plan covers up to the cost of both brand name and generic drugs that are listed on our national formulary. If you prefer to have the brand name option of a drug when there is a generic available, please ensure that your doctor writes "No Substitutions" on your prescription. This will ensure that you receive the maximum amount of coverage possible on the brand name drug. 
  • Ambulance transportation is covered by your plan. There is a $250 charge for "paramedical assessment" if you call an ambulance (or someone else calls an ambulance on your behalf) and you are nor transported anywhere. this charge is not covered by the plan, so whenever possible, please let the ambulance take you to a hospital so that you're not stuck with the paramedical assessment fee. 

Your employee book contains a brochure with information about our online site called my-benefits. You can use the site to submit claims, check to see how much room you have remaining for each service type, and your next eligible service date, print off new cards, check on the status of all of your submitted claims, and much more. 

 

If you need additional help, please call or email our office and we would be happy to assist you! 

Coordinating Health and Dental Benefits

In many cases, getting the highest coverage may mean coordinating benefits with other insurance plans. Coordinating benefits is common with dental and drug claims, and happen if an employee or a dependent is covered under your group insurance plan and under a spouse's program. In this case, the two plans may combine to pay up to 100% of the claim expenses . 

When both spouses have coverage, claims should go to the patient's plan first. Any expenses not covered by the patient's plan should then be submitted to the spouse's plan along with the Explanation of Benefits from the initial claim. 

For dependent's benefits, the claim goes through the plan of the parent whose birthday falls earlier in the calendar year, then to the spouse's plan along with the Explanation of Benefits. 

When parents are separated or divorced, dependent's claims should be submitted in this order:

  • The plan of the parent with custody
  • The spouse of the parent with custody 
  • The parent who does not have custody 
  • The spouse of the parent who does not have custody

Remember to make photocopies of all documents before you send them to each plan. By coordinating benefits, you can ensure your employees are making the most of their benefit plans.

Tips for Faster Claim Reimbursement

Health and Dental claims are the most utilized options in an employee benefit plan. Follow these steps to ensure you get paid as quickly as possible! 

  1. Make sure your health or dental provider has your current address on file  to ensure claim payments are mailed to the proper location. 
  2. Sign up for Direct Deposit so reimbursements are deposited directly into your bank account. 
  3. Always be sure to carry your Chambers Plan Wallet Card with you. If you have a medical emergency away from home, you must contact Voyage Assistance immediately. 
  4. Make sure your dependents' information is filled out correctly. If you are claiming expenses for a dependent who is enrolled as a full-time student, you must indicate this on all claim forms. 
  5. If your Health option includes a drug card, make sure to present your TELUS ASSURE card at the pharmacy - this ensures the quickest possible processing of  your prescription drug purchase. 

Late Entrants

The Chambers of Commerce Group Insurance plan requires all new full-time staff to serve a three month waiting period before they are eligible for benefits. Once the employee has served the three month waiting period, he/she must complete an employee application within 30 days or he/she will be considered a late entrant. 

Late entrants are required to complete a medical questionnaire that will require approval from the insurance company before benefits can be granted. Even with an approved application, dental benefits for late entrants are limited in the first 12 months of coverage. 

To protect your firm and your employees, we suggest that you complete and submit the enrollment application when a new employee is hired. The Chambers Plan will process the application with the employee's coverage commencing at the end of their waiting period.


Enrollment timing is just as important for insured employees. Changes in marital status, adding dependents, or a spouse losing duplicate coverage must be reported to the Plan within 60 days. If the employee misses this deadline, any request for these changes will need to be medically reviewed and approved by the insurance company.  

10 Features of a Chambers of Commerce Group Insurance Plan

10. No Minimum Firm Size

Your company is eligible to apply even if it's a one person operation. The Chambers Plan was introduced to assist small businesses consisting of up to 50 employees

9. No Industry Restrictions

All for-profit businesses are eligible to participate in Chambers Plan as long as they are members of a participating Chamber. Whether you own a farm or a home-based business, you are entitled to take advantage of the customized cover the plan offers. 

8. Guaranteed Approval

With three or more full-time people, you can choose options that guarantee cover to you and your employees. Businesses that operate with three or four fill-time employees are eligible for guaranteed coverage. Organizations with five or more employees can choose extensive dental coverage and groups of ten or more can add children's orthodontics. 

7. Guaranteed Renewable

Chambers Plan guarantees your firm can renew coverage as long as you pay your premium each month. Once your business is insured by the Chambers Plan, your coverage is automatically renewed. 

6. Rate Stability

Claims are averaged over more than 25,000 companies just like yours. Higher than usual claims one year? You won't be singled out for a price increase. Chambers Plan pools your claims with other participants so premiums are based on the average claims of all participants.

5. Not-For-Profit

Chambers Plan operates under the direction of the not-for-profit Chamber Insurance Corporation of Canada.  Keeping your interests at the forefront, Chambers plan operates under the guidance of volunteer directors who are also Chamber members. 

4. Outstanding Service

The Plan's service centre works in concert with your exclusive, local Chambers Plan advisor to provide answers to all of your questions. Our advisor present yo with options that reflect the size and requirements of your 

3. Fast, accurate payments

Most health and dental claims turn around in 48 hours. You can opt for a pharmacy card and electronic dental claim submission, and even direct deposit to employee bank accounts. 

2. You Choose the Coverage

Every firm participating in Chambers Plan has a custom benefit program, based on the coverage the owner selects. In addition to competitively priced health, dental, and vision benefits, our impressive list of extensions includes travel insurance, an automatic RRSP payroll deduction program, and options for employers over 65, such as prescription drug, ambulance, and semi-private hospital coverage. 

1. You Control the Cost

Why pay for a package with benefits you don't want when you can customize?

We recognize that small business owners are constantly struggling to keep costs down. By choosing options based on your company's needs and carefully selecting the amount of coverage provided, you can create a plan that doesn't break the bank.