For plan sponsors
Keeping you informed: Getting greener with direct deposit
Our latest issue of People Corporation’s Keeping You Informed newsletter is available for download.Read More
Keeping you informed: Changes to Canada's Employment Insurance Program 2021
Our latest issue of People Corporation’s Keeping You Informed newsletter is availableRead More
Three key considerations when creating a workplace vaccination policy.
There’s an increasing number of organizations considering the implementation of a vaccination policy for their staff.Read More
In Touch with People – Lending a hand to our clients in B.C.
To support our clients and plan members, we’ve implemented accommodations and additional supports and services.Read More
How to retain your talent through the Great Resignation
Many are choosing to leave their current organizations and seek jobs for improved compensation, better work-life balance, or an overall better culture.Read More
The retirement transition: Five key steps to supporting your team
Employers can make a difference in the lives of their employees by helping them prepare for their transition to retirement.Read More
Retirement plans vs salary increases: Benefits for plan sponsors and plan members
Employees tend to focus only on their take home pay and would prefer a pay raise over other compensation enhancementsRead More
Keeping you informed: Upcoming changes to some of the services we offer through People Advantage and Health Solutions
Our latest issue of People Corporation’s Keeping You Informed newsletter is available for downloadRead More
As an employee, can I contact Integrated Benefits directly?
Yes. We are more than happy to address any questions or concerns you may have. Please don’t hesitate to contact us by phone or email at any time.
I am travelling out of country. Will my insurance cover me?
When you are travelling outside of the country, your insurance may require you to pay for your expenses in full and then file a claim for reimbursement when you return. It is highly recommended that you contact the 1-800 number provided to you (usually on your drug card) and they will help facilitate your claims payment through Alberta Health Care and your benefit plan. For further information, please do not hesitate to contact us.
What is a waiting period?
The waiting period is the length of time you have to wait before your benefits become effective. Most plans have a 3 or 6 month waiting period. Consult your benefits booklet or Plan Administrator for the exact wait time of your benefits plan.
Where can I submit my claims?
Many carriers have online claim submission. If they do not you can submit a paper copy. Ask your Plan Administrator for a claim form. Most claim forms will have the mailing address on them. If not, your Plan Administrator will have the mailing address. Remember to make a copy of all forms and receipts before mailing in originals.
Can I enroll all of my dependents onto my plan?
Most plans will allow you to enroll all of your dependents who are under the age of 21 onto your plan and up to age 25 if they are enrolled in an accredited post secondary school. Consult your benefits booklet or Plan Administrator to find out exact ages for your particular benefits plan.
How can a plan be mandatory when employees have to pay for a portion of the benefits?
This is necessary in order for the insurance companies to be able to offer a group plan to most small businesses. The reason for this guideline is to avoid what is called anti-selection. Anti-selection is where the unhealthy employees choose coverage, while the healthy employees do not. However, the rates would be completely unaffordable if only the people who needed the benefits were able to enroll. These guidelines allow the insurance companies to spread the risk and offer coverage to smaller businesses at low rates. It should be conveyed as a condition of employment from the beginning when new employees join your company. For further information, please do not hesitate to contact us.
As an administrator, what are my options for dealing with employees claim problems?
If you are comfortable dealing with the insurance carrier directly you may do so. If an issue goes unresolved, please don’t hesitate to contact us. Integrated Benefits will strive to address any unresolved issues or concerns that you or your employees may have. We are always more than happy to contact the insurance carrier on your behalf.
What is a late applicant?
A late applicant is an individual and/or dependents that try to enroll on a group benefits plan after the grace period (normally 31 days after effective date). A late applicant would need to complete satisfactory medical evidence in order to be eligible for the plan. Often, if the employee is denied, the benefit coverage will be limited for the first year. If the employee and/or dependents are denied, they will not be eligible for benefits throughout their duration of employment with that company.
What is a Dental Fee Guide?
As of 1997, the Province of Alberta no longer has a Dental Fee Guide. As a result, insurers must develop their own guidelines and reimbursement limits for Alberta. Each guide will vary slightly from one another. The dentists will set their own costs for procedures, which results in some dentists charging more than the fee guide amount your plan covers.
What are the advantages of a Group Insurance Plan?
Group Insurance plans allow employers to offer a competitive edge over other employers in order to obtain quality employees. It also allows employees to have group insurance coverage at a much cheaper rate and better benefits than individual insurance plans.
Can I waive the waiting period for an employee?
You can put a request in to your carrier that they waive the waiting period due to a condition of hire. The request should be accompanied with the enrollment form.
We are happy to address any questions or inquiries you may have about employee benefits consulting.
Your partners in creating and maintaining an affordable benefits plan that works for you. Let us help you untangle the market and align you with the right solutions to meet your needs.Talk to an expert