In the Life Insurance, Pension, and Group Benefits consulting industries, there is very little that has not come across the desks of Guy Close, and Wayne Conjaerts.
Their approach to the benefits marketplace, is quite simple:
We recently set up a Group Benefits plan for a client and during the set-up process we found out that an employee’s spouse had a rare illness which required a medication that was not on the drug plan. Knowing this we quickly introduced a health spending account that would cover the cost of the drug.
We recently worked with a business owner who called us in to consult on his long-standing Group Benefits Plan that he had with another broker. We immediately noticed a few red flags. Most notably that their LTD plan was not nearly sufficient to meet their needs. With management averaging approx. $10,000/mth in compensation their current LTD would only provide $2000/mth in benefits. As well, this plan had a 12-month own occupation definition.
What did this mean?
That if one of their management staff had to use this benefit, they would be looking at a significant reduction in take home pay.
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