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.