This was a presentation conducted on April 23 to the members of BCCCA to introduce the benefit program to their members

1. BCCCA members
Health/Dental
Benefits Plan
Presented by:
Donald Chu, CEBS
Principal | Benefit Consultant
604-808-0328
donald@benefitdeck.com

2. What we do
BenefitDeck helps small to
medium size business get
better health insurance rates
through volume association
arrangements.
Our commitment is to help
make your company a highly
desirable employer through
creating a winning benefit plan.

3. Brief bio
Donald Chu
Certified Employee Benefits Specialist
Industry Experience
2001-2008 Regional Manager of major insurer
2008-2012 Vice President of benefit administration firm
Education
Certified Employee Benefits Specialist
UBC Sauder School of Business - Executive Education Program
SFU Bachelors of Business Administration
Community
Fundraising for United Way
Fundraising volunteer for Big Brothers
Salvation Army Breakfast in the City

4. Association we’ve worked with in the past
•Real Estate Investment
Network
•Sports Fishing Association
of BC
•ShelfSpace
•DigiBC
•Economic Development
Association of BC
• Multi-employer trust arrangement analysis
• Association benefit program setup

5. Why associations have a benefit plan?
• Attract and retain members
• Group pooling of claims
• Negotiate as a group = volume
discount
• Lower markup
• Sustainable savings for business
owners

6. Technology Efficiency
•24/7 plan administration
online access
•Electronic Claims
submission and direct deposit
•Mobile apps to check
submission balances

7. Common Plan
Life Insurance
Disability Insurance (Optional)
Critical Illness (Optional)
Extended Health Care (80-100%)
- Prescription Drugs – Rx card
- Hospital upgrade
- Travel coverage
- Paramedical Practitioners
- Visioncare
Dental Care
- Basic (80-100%)
- Major (50-60%)
- Orthodontic

8. Considerations before you start
Contribution Split:
- What’s typical?
- Tax considerations
Do you need Disability or Critical Illness
- How does EI fit into this?
How will my renewal be assessed
- Usage vs. demographics
How pricing works?
- Demographics
- Claims history (if available)
- % of payroll

9. Health Spending Account
Provide top-up to management and key
persons
• Self-funded “bank account” for:
• Prescriptions
• Dental
• Vision care
• CRA approved
• Business expense
• Non-taxable reimbursement

10. Sub-contractors benefits
• Are sub-contractors eligible for
coverage?
• Affiliated company maybe
covered under same policy
• Typically no disability insurance
for contractors (non-employee)
• Sub-contractors must work
exclusively for your business to
be eligible

11. What to Expect
Annual negotiation with insurance
companies renewal on your behalf
Quarterly claims experience monitoring,
reporting and analysis
Employee meeting and claims resolution
Payroll and administration setup training
Designing the right plan and price out
options

12. References in multiple industries
•Independent Auto Body shops –customized
plans for small business owner
•Restaurant franchisees – Multi-location
franchisees plan – volume discount
•Research labs – executive top-up plan for
specialized talent
•Manufacturers – attract trade workers
•Coffee equipment supplier – Health
Spending Account
•Printing companies – local print shop with
low-cost benefits plan
•Accountants and Lawyers – coverage for
professionals

13. BenefitDeck's 5-Point Service Guarantee
Access to Key Decision makers
BenefitDeck has direct access to insurance company senior executives.
What it means to you: When you need something done, we pick up the phone and it gets done.
Independence
BenefitDeck is truly independent, working with any provider that is best suited to your company's needs.
What it means to you: We work for you, not the insurance company, we create a platform for them to compete
for your business.
Specialization
BenefitDeck is in the business of helping companies provide access to health and wellness to their employees.
What it means to you: By working with us, you won't get someone calling your employees about life insurance.
Accountability
BenefitDeck ensures that the insurance company pays your employees' legitimate claim.
What it means to you: When somebody becomes disabled, or have a legitimate claim that needs to be paid, we
will go the extra mile to ensure the requirements are satisfied so that claims are paid in a timely manner.
Transparency and Full Disclosure
BenefitDeck is committed to transparency and full disclosure of potential conflicts of interest, as well as
disclosure of compensation arrangements with suppliers.

14. Questions?
Donald Chu, CEBS
BenefitDeck Consulting Ltd.
170 - 422 Richards Street
Vancouver, BC V6B 2Z4
Tel: (604) 808-0328
www.benefitdeck.com
donald@benefitdeck.com