Unlock the Power of Group Benefits with ClearPeak
Investing in a group benefits program not only attracts and retains top talent but also boosts morale, enhances productivity, reduces absenteeism, and supports the physical and mental well-being of your employees. Remember: Healthy employees = Healthy company.
Why Choose ClearPeak?
1. Access to Top-Tier Providers: Partner with renowned companies like Canada Life, Sun Life, Manulife, Empire Life, RBC, Desjardins, Blue Cross, IA Financial, Equitable Life, RWAM, Victor Benefits, ClaimSecure, and more.
2. Tailored Benefit Plans: Receive customized employee benefit plans that align with your company’s goals and values.
3. Expert Guidance: Benefit from the expertise of our dedicated specialists who assist with the maintenance and administration of your program. We keep your administrators informed, negotiate with insurers on your behalf, and evaluate your plan annually to ensure it meets your needs.
4. Retirement Savings Plans: Access employee retirement savings options like group RRSPs, pension plans, and deferred profit-sharing plans.
5. Industry Expertise: With years of experience in the group benefits industry, we bring deep knowledge and a proven track record of success.
6. Personalized Service: Each client receives personalized service and attention. We take the time to understand your unique needs and tailor our solutions accordingly.
7. Competitive Pricing: Our strong relationships with top-tier insurers allow us to negotiate competitive rates, ensuring you get the most value for your investment.
8. Comprehensive Support: We provide ongoing support and education to your HR team and employees, ensuring everyone understands and maximizes their benefits.
9. Innovation and Flexibility: We stay ahead of industry trends and offer innovative solutions that adapt to your evolving business needs.
10. Compliance Assurance: Our team ensures that your benefits plans are compliant with all relevant regulations, reducing your administrative burden and risk.
11. Employee Engagement: We offer tools and resources to help you communicate the value of your benefits program to employees, increasing engagement and satisfaction.
12. Simplified Administration: Our user-friendly platforms and dedicated support staff simplify the administration of your benefits program, saving you time and effort.
13. Wellness Programs: In addition to traditional benefits, we offer comprehensive wellness programs designed to improve employee health and well-being, further reducing absenteeism and increasing productivity.
14. Financial Security: Our plans are designed to provide financial security for your employees, giving them peace of mind and fostering a loyal workforce.
15. Benchmarking and Analytics: We provide benchmarking and analytics to help you understand how your benefits program compares to industry standards and identify areas for improvement.
Plan Types
Traditional Plans: Our most common option, covering life insurance, accidental death and dismemberment, short and long-term disability, critical illness, prescription drugs, vision, dental, and extended health care (e.g., chiropractic, massage, physiotherapy, medical supplies). Here, the insurer assumes all the risk.
Administrative Services Only (ASO): Employers self-fund their employee benefits program and partner with a third-party administrator (TPA) to handle administrative tasks. In this model, the employer assumes the financial risk of paying covered claims and expenses.
Health Spending Accounts: Growing in popularity, Health Spending Accounts function like a bank account, allowing employers to allocate tax-free dollars to employees for medically necessary expenses. These plans are favored for their low fees, cost control, and flexibility.
Wellness Spending Accounts: These plans provide funds for employees to use on wellness activities such as golf memberships, gym memberships, spa visits, and ski passes. While these amounts are taxable to the employee, they are an excellent tool for attracting top talent.
Hybrid Models: Combine the best of both worlds by using a traditional insurer for life, disability, and illness coverage, while a Health Spending Account complements or replaces the health and dental components. This approach offers comprehensive coverage while maintaining flexibility and cost control.
Our Commitment
At ClearPeak, we are committed to delivering exceptional service and value to our clients. Our goal is to build long-lasting partnerships based on trust, transparency, and mutual success.
