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 to Submit a Cost Plus Claim

Wondering how to submit a cost plus claim through your Chambers of Commerce Group Insurance Plan?

Check out this simple step-by-step video from the Chamber Plan!

Still have questions? Give us a call or send us an email! 

What's the Difference Between an Agent and a Broker?

Do you know the difference between an insurance agent and an insurance broker? The truth is, most people are unsure of the differences. We thought we would help out by creating a handy infographic to show you the distinctions between the two. Check it out! 

Agent versus Broker

For more information, check out this article!

Coordinating Health and Dental Benefits

Coordinating benefits is common with health and dental plans; it allows employees and their dependents to make the most of their plans by combining benefits to receive 100% coverage on prescriptions and/or health and dental procedures. 

If an employee and his/her spouse both have coverage, the claims should go through the patient's plan first. Any expenses that are not covered by the patient's plan can then be submitted to the spouse's plan along with an explanation of benefits from the initial claim.

If the employee and his/her spouse have dependants, the claim goes through the plan of the parent whose birthday falls earlier in the calendar year, then to the other parent along with an explanation of benefits.  

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

  1. The plan of the parent with custody 
  2. The spouse of the parent with custody 
  3. The parent who does not have custody
  4. The spouse of the parent who does not have custody

Coordinating benefits can help employees to save money on health and dental claims and ensure that they are receiving the most amount of coverage available to them. 

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! 

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. 

 


Group Benefits are still an option over the age of 65

Due to the economy, or personal choice, more and more employees are choosing to work past the age of 65. As the workforce changes we aim to change along with it, which is why employees who have surpassed the traditional age of retirement are still able to receive group benefits. 

The Chambers of Commerce Group Insurance Plan allows your company to apply for Group benefits once you have been in business for six months. Each plan is customized to suit your needs.

 coverage for employees from 65-80 can include

  • Health care - including prescription drug, ambulance ad semi-private hospital coverage
  • Emergency Medical Travel - the first 90 days of trips for certificate holders age 65-69, 60 days for certificate holders age 70-74, and 30 days for certificate holders age 75-80 
  • Life benefits with Accidental Death & Dismemberment payments 
  • Dependent Life coverage for spouses and dependent children 
  • Dental benefits
  • Best Doctors - access to worldwide medical specialists for diagnostic and treatment planning services 
  • Preferred Vision eye wear and hearing devise purchase discounts
  • Health Access telephone line offering information on health, nutrition and regional resources
  • Employee Assistance Service - counselling services for confidential help dealing with personal issues 
  • Business Assistance Service - providing owners access to legal, accounting and human resource services. 

If you or someone in your company is considering working past the age of 65, it is important to ensure that they are provided with valid coverage on your group plan. The Chambers of Commerce Group Insurance Plan will work with you and your company to provide the best coverage to every employee at your firm. 

The Importance of Enrolling On Time


When an employee begins working full time, an employer has 3 months to submit an employee application online through my-benefits, or to mail in the application. After this 3 month period, the employee is considered a late entrant. 

For example, if an employee began working with your company on April 1st, we have until July 31 to get the new application into head office. 

There are two penalties for late entrants:

  1. The employee and his/her family members are forced to complete a medical questionnaire and pre-existing health conditions might not be covered. If you enroll employees on time, a medical is never required. 
  2. The employee and his/her family members would see their dental maximum lowered to $250 in their first 12 months of coverage. 

Your employees still have to go on t he plan even if they have spousal coverage. 

Even if your employee has coverage with another carrier, or through his/her spouse or common law spouse, he/she is not covered for: 

  1. Life 
  2. Accidental Death & Dismemberment 
  3. Long Term Disability 
  4. Short Term Disability 
  5. Critical Illness 

Important Tips: 

Waiver form: 

If an employee chooses to opt out of benefits, he/she needs to complete the Group Benefit Plan Waiver. This will protect your company in the event of an accident. 

Employer Responsibilities: 

As the plan sponsor, it is the responsibility of the employer to ensure all eligible employees are enrolled in the plan. We suggest that new employees complete and submit enrollment applications when they are hired. The Chambers Plan will process the employee's coverage when his/her waiting period has expired. 


Health and Dental Coverage for Disabled Employees

Chambers of Commerce Group Insurance Plan 

What happens when one of your employees becomes disabled and has been approved for Long Term Disability (LTD)? Do their health and dental benefits continue indefinitely? How do you balance your corporate responsibility and your fiscal responsibility?

Whatever your firm's position is, it is important that you have a formal continuation of benefits provision that clearly states what the policy is for all employees.

As an employer, ask yourself: 

  • Should health and  dental benefits terminate for an employee who becomes terminated?
  • Disabled employees tend to have a greater need for health coverage than active employees; would you end benefits for someone in that situation?
  • Will the cost of carrying the benefits for disabled employees impact your ability to provide an affordable program for active employees?
  • What are the legal and moral implications of your policy?

The Chambers of Commerce Group Insurance Plan allows the employer to continue health and dental benefits for disabled employees, however it is important to consider the length of time your company will provide these benefits for. 

Options to consider: 

  • Continue the benefits on the same basis as if the disabled employee was a full-time active employee
  • Provide benefits for a disabled employee for a specific period of time (i.e. one or two years from the date the employee completes the LTD elimination period) 
  • Provide benefits based on years of employment. As the duration period can vary, please see the following example

Whatever you and your company decide to do, your development of a formal company policy will be based on the relative importance you place on these three issues:

  • The ongoing financial resources you are willing to commit to disabled employees
  • Your corporate responsibility as an employer to look after employees during extended periods of disability 
  • The impact that a policy could have on employee morale and employees' attitudes towards you as an employer

Though it can be difficult to establish a policy, you can fulfill your corporate and fiscal responsibilities in a manner that will be seen as fair and equitable for everyone.