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. 

How Do You Increase Workplace Productivity?

We recently read an article that suggested each person has a different time of day in which they are the most productive; some people love to wake up for an early morning workout, while others to prefer to wake up and enjoy a cup of coffee before beginning their days. Either way, it’s important to allow your employees to work in a way that will benefit them, therefore increasing productivity and personal investment in the work place.

 

With a rise in millennials joining the work force, a higher importance is being placed on flexibility within the work place. Employees value the ability to leave early for a personal circumstance, if need be. This applies to working parents who wish to attend their children’s extra-curricular activities, as well as single people who have personal commitments outside of work. This isn’t to say that you should allow your employees to leave early every day, but allowing them the freedom to enjoy their personal life shows that you, as a business owner, place importance on your employees’ happiness.

 

Another interesting idea the article mentions is allowing your employees time to develop creative ideas away from their desk. Sitting at a desk and answering emails for eight hours a day can become robotic; as an employer, you should try to encourage your employees to take a walk at lunch, or to simply get up and stroll around the office every now and then. This will encourage creative thinking and new ideas as your employees experience a change of scenery and give their brains a small break.

 

In our office, we make a point of visiting new restaurants for team lunches, or we eat lunch outside on sunny days. As the insurance industry can become repetitive, we take the time to walk around the office, give our minds a break, and visit our co-workers to share ideas or work through problems together. It is very important to us to maintain a positive work environment with happy employees who feel supported, taken care of, and pleased to come to work each day.

What do you do in your office to increase productivity?


To read the article referenced, click here 

What is Acupuncture?

Acupuncture

Acupuncture is a form of traditional Chinese medicine which focuses on the flow of energy throughout the body. When the flow is disrupted it can lead to pain, illness, or lack or normal function; your acupuncturist will focus on various acupoints in your body to relieve tension and to help release your body’s natural pain killers by targeting some of the body’s main systems, including the nervous, endocrine, immune, cardiovascular, and digestive systems.

Your acupuncturist will start your appointment by examining your tongue, checking your pulse, and asking you some questions about your medical history; once they have determined the best treatment plan for you, they will start with your acupuncture treatment. Your practitioner will insert needles as slim as human hair into your acupoints. After insertion, the acupuncturist might manipulate the needles by hand or by adding an electrical stimulant.

Although some people might shy away from this treatment due to a fear of needles, most patients report little to no discomfort and leave the treatment with a sense of relief.

The most common reason for visiting an acupuncturist is to manage neck, back, joint, or head pain, including the treatment of migraines. Additionally, acupuncture can help with nausea, allergies, menopause symptoms, and infertility.

Depending on the severity of your condition, your acupuncturist might recommend coming back for a series of weekly treatments, or he/she might suggest continuing acupuncture as a form of maintenance.

Regardless of physical condition, acupuncture is generally suitable for most people. It can help to treat the root cause of your malady and can reduce your dependence on medication and/or prevent you from needing medical procedures.

Some people might experience minor discomfort after treatment, including stiffness and/or soreness, but these symptoms are not generally a cause for concern.

Clinical studies have also shown acupuncture to help treat the following:


  • Depression,
  • Knee pain
  • Dental pain
  • Sciatica
  • Cardiac neurosis
  • Ear pain
  • Female reproductive pain
  • Insomnia
  • Hypertension

Acupuncture is generally covered under your group insurance plan. Please talk to your plan administrator or review your employee booklet form more information.

 

Read More: Advantages of AcupunctureClinical Care

How Can Dieticians Help Us?

It's hard to keep up with the latest food trends, the latest fad diets, and the latest health crazes, but what if we actually visited someone who could help us to better understand what we should be eating in a day?

We did some research to learn more about Dieticians and what they can really offer us. 

Dietician

First and foremost, dieticians are registered nutrition experts who are trained to help us with our overall health and wellness. They are able to coach us through our daily diets and learn about lifestyle changes we can make to improve our eating habits; they help us to set goals and to follow through on them. Dieticians can help us to steer clear of the fad diets and to understand practical solutions to unhealthy eating habits, resulting in long term results and and overall improvement to our physical health. 

I think we all know how difficult it can be to understand the labels we find on our food; how is one ever supposed to fully understand a list of ingredients we can't even pronounce?! Luckily, registered dieticians can help us to read labels and fully understand what we should be getting from our foods. When we understand the labels we are given, it is much easier to stay on track and feed our bodies with proper nutrients. 

It's also important to realize that changing our diets doesn't necessarily mean we have to miss out on our favourite foods. Dieticians can help us to adapt our favourite recipes to better suit our diets, therefore keeping us healthy and happy! 

Registered Dieticians don't only work with clients one on one, they also work with families, communities, and professionals to develop healthy eating habits and to set reasonable health goals. They help patience who are in long term care, and they help hospitals, and nursing homes to maintain healthy menus for their residents. Further to that, Dieticians can work with corporations to develop a corporate wellness plan for you and your employees. 

As an added bonus, Registered Dieticians are covered under your Chambers of Commerce Group Insurance Plan! If you'd like to learn more about your coverage, contact us today. if you'd like to learn more about Dietitians, click here.

What benefits do your employees really want?

There are many benefits to having an employee health and dental plan, but one of the main assets of a group plan is that it attracts and retains quality employees. 

As a company owner, you need to ask yourself which benefits would be of the most value to your employees. To make things easier for you we found an article that lists prescription drug coverage, dental care, and vision care as the most important qualities of a group benefit program.  

We can help you to find a plan tailored specially to the needs of your company and your employees. We can work within your budget, help you with prescription drug care maximums based on requirements, and can help you choose dental coverage to suit your employees. Further to that, we can discuss extended health care options, including vision coverage, that will improve your employees' quality of life. 

After implementing a plan, we can help you set your employees up with an easy-to-use mobile app to submit claims, see claims history, and register for direct deposit for claims reimbursement. Your employees can keep up to date on their coverage maximums, plan usage, and other pertinent information without the help of a third party. if they have questions about the mobile app or about their benefit plan, they can call our office directly and we can direct them while maintaining confidentiality standards. 

Similar to the mobile employee app, we can offer online plan administration, which allows you to make changes to and review all of the details of your group plan. Plan administrators can log on to the website to see taxable benefit information, billing statements, and a summary of your employee benefit program. They can also add or delete employees or make changes to a current employee if he/she experiences a life changing event, such as the birth of a new baby or entering a new marriage. 

We'd love to help create a better quality of life for your employees, so call us today for a quote or further information on the types of plans we can offer. 

 

To see the full article, please click here

Submit Health and Dental Claims on Your Smart Phone

 

 

1. Download the mobile app in iTunes or Google Play. 

Chambers of Commerce Group Plan participants can submit most health and dental claims using a smartphone or tablet. Submitting claims electronically is a convenient way to have your claims processed quickly and easily, resulting in faster reimbursement. 

 

 

 
Login, submit claims online

 

2. Enter your username and password. If you have not created an account, please visit the website to register. 

All plan members must first register online through the       www.my-benefits.ca.  You will need your firm and certificate number, which can either be found on your wallet cards or through your plan administrator. 

Once you have registered online, you can download the app and have immediate access to your plan information. 

You can even tell the app to save your ID cards and remember your username for easier sign-in purposes. 

 

 
Health care, disability, life insurance, dental benefits

 

3. Review your benefits

Upon sign in is a list of all of the benefits provided through your group plan. 

For a comprehensive explanation of each benefit, follow the purple arrow. This is a quick and easy way to review your coverage before booking health and dental appointments. 

If you have Extended Health and Dental coverage through your group plan, you can check your claims usage, next eligible service dates, remaining coverage, and a summary of previous claims. 

You are also able to access your prescription drug cards and all travel insurance information for out of province/out of country travel. 

 

 

4. See recent claims, update personal banking information, or submit claims using the menu on the left hand side of the screen.

Further explore the details of your benefits by clicking on each of of the options in the menu.

View your recent claims, change your banking information, and submit new claims for faster reimbursement.  

Side screen menu
 
Submit extended health and dental claims online

 

 

5. Submitting claims is easier and faster than ever when using the app

Fill out this form with the correct information and receive your automatic reimbursement much faster than manual claims submission. 

Select the family member who used the plan, the type of service, the date, and the amount charged. Upload a legible picture of your receipt and click submit!

 

If you'd like more information about the mobile app, or care to set up an in-person tutorial to learn the website and/or app, please contact our office. We are happy to walk you through the steps and help you make the most of your plan! 

Online Banking in 3 Easy Steps

Setting up the Chambers Plan as a payee through your online banking allows quick and efficient payment of your monthly premiums. 

It can be done in 3 simple steps:

  1. You will need to be registered with online banking 
  2. Set up the Chambers of Commerce Group Insurance Plan as a payee 
    1. Search for the Chambers of Commerce 
    2. Select "Chambers of Commerce Gr.Insurance 
  3. Enter your account number 
    1. Ch + Five Digit Firm Number 
      1. Example: Ch12345

Pre-Authorized Payments:

If you prefer the payments to be withdrawn from your bank account automatically, you can set up a pre-authorized payment plan. Pre-authorized payments will you time, postage, and the stress of payment deadlines. 

If you are a client who is interested in setting up Pre-authorized payments, please complete the form below and return it to our office. 

 

 

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.

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!