Half day open training event held in Toronto.

1. The benefits of benefits in Ontario
by Toronto Training and HR
February 2013

2. 3-4 Introduction to Toronto Training and HR
5-6 Definition
Contents 7-8
9-10
Types of benefits
Finding the best of breed
11-12 Different approaches
13-16 Benefits fraud
17-18 Getting the best from benefits fraud
19-20 Return on investment
21-23 Benefits communication
24-25 Drill
26-27 Security benefits
28-29 Flexible benefits
30-31 Retirement benefits
32-33 Disability benefits
34-37 Comparing dental benefits
38-39 Death benefits/life insurance
40-43 Health benefits
44-45 Paid time off
46-47 Engaging Gen Y workers with benefits
48 Case studies
49-50 Conclusion and questions

3. Introduction
Page 3

4. Introduction to Toronto Training
and HR
Toronto Training and HR is a specialist training and
human resources consultancy headed by Timothy Holden
10 years in banking
10 years in training and human resources
Freelance practitioner since 2006
The core services provided by Toronto Training and HR
are:
Training event design
Training event delivery
Reducing costs, saving time plus improving
employee engagement and morale
Services for job seekers
Page 4

5. Definition
Page 5

6. Definition
• Definition
• Strategic perspectives
• Considerations
• How is the typical dollar
spent?
• Decisions affecting
benefit design
Page 6

7. Types of benefits
Page 7

8. Types of benefits
• Core benefits
• Supplemental benefits
Page 8

9. Finding the best of breed
Page 9

10. Finding the best of breed
• Benefit design
• Cost
• Underwriting
• Claims
• Administration
Page 10

11. Different approaches
Page 11

12. Different approaches
• Reactive
• Proactive
• Preventative
Page 12

13. Benefits fraud
Page 13

14. Benefits fraud 1 of 3
• Claims for services not
actually rendered
• Providers performing
services outside of their
scope of practice or
licensing (e.g., there have
recently been cases of
practitioners giving Botox
injections with materials
sourced from other
countries)
Page 14

15. Benefits fraud 2 of 3
• Unlicensed individuals
performing insurable
services
• The provision of
treatment over and above
what is needed by the
insured patient
• Kickbacks or illegal
referral payments.
Page 15

16. Benefits fraud 3 of 3
TIPS TO MINIMIZE THE
CHANCE OF FRAUD
• Prevention
• Deterrent
• Detection
• Investigation
• Recovery/remediation
Page 16

17. Getting the best from
voluntary benefits
Page 17

18. Getting the best from voluntary
benefits
• Vet them as carefully as
other benefits
• Examine closely to know
what you are getting for
the money
• May put all benefits on a
single platform to ensure
consistency and reduce
duplication
• Larger organizations can
use their size to gain
economies of scale
Page 18

19. Return on investment
Page 19

20. Return on investment
• Select a metric
• Establish a base line
• Subtract the base line
from the metric
throughout the duration
of the program
• Divide by program cost
• Common measurements
Page 20

21. Benefits communication
Page 21

22. Benefits communication 1 of 2
• Types of learner
• Why use a third party?
• Criteria for selection
• The enrollment process
Page 22

23. Benefits communication 2 of 2
EVALUATING A STRATEGY
• Audit
• Test
• Measure
Page 23

24. Drill
Page 24

25. Drill
Page 25

26. Security benefits
Page 26

27. Security benefits
• Workers’ compensation
• Unemployment
compensation
• Severance pay
Page 27

28. Flexible benefits
Page 28

29. Flexible benefits
• Definition
• Disadvantages
Page 29

30. Retirement benefits
Page 30

31. Retirement benefits
• Social security
• Personal savings
• Pension plan practices
Page 31

32. Disability benefits
Page 32

33. Disability benefits
• Social security
• Personal savings
• Pension plan practices
Page 33

34. Comparing dental
benefits
Page 34

35. Comparing dental benefits 1 of 3
• Dental network
• Dental claim vs. medical
claim
• Oral surgery
• To-go features
• Family share plans
• Diagnostic and
preventative
• Frequency of cleanings
Page 35

36. Comparing dental benefits 2 of 3
• Orthodontic age
• Balance billing-above
usual and customary
charges
• Out of network
• Periodontics and
endodontics
• Waiting periods for major
services and orthodontia
Page 36

37. Comparing dental benefits 3 of 3
• Credit for deductibles
• Claims experience and
reporting
• Exclusions
Page 37

38. Death benefits/life
insurance
Page 38

39. Death benefits/life insurance
• Social security
• Employment practices
Page 39

40. Health benefits
Page 40

41. Health benefits 1 of 3
• Aging workforce
• Prevailing practices
• Retiree health
Page 41

42. Health benefits 2 of 3
MEASURING THE
EFFECTIVENESS
• Test/control group
methods
• Population-wide analyses
• Longitudinal studies of
participants
• Qualitative assessments
Page 42

43. Health benefits 3 of 3
MEASUREMENT
CONSIDERATIONS
• Data sources
• Data credibility
• Years to be included
• Populations to be
included
• Outliers
• Savings criteria
• Diagnoses excluded
Page 43

44. Paid time off
Page 44

45. Paid time off
• Vacation
• Sick leave
• Long term disability
• Questions to ask
Page 45

46. Engaging Gen Y workers
with benefits
Page 46

47. Engaging Gen Y workers with
benefits
• Use technology where
appropriate
• Build a foundation for
one-on-one counselling
• Combine convenience
with good content
• Employ multiple touch
points
• Make it interactive
Page 47

48. Case studies
Page 48

49. Conclusion and questions
Page 49

50. Conclusion and questions
Summary
Videos
Questions
Page 50