Refining Your Benefits Program
Choose Your Benefits Journey
What People Say
Everything I needed for my business insurance
I was referred to Dave after being WAY oversold by another consultant. Dave tailored us an economical solution that I am very happy with. Next, we setup a more functional health benefits program for our staff. Dave’s team took care of everything and still jumps to action every time I have a question or concern. I highly recommend Dave Musgrave.
Professional, knowledgeable, client focused – ultimate service
Very professional and knowledgeable. Always cheerful, helpful and on top of things. Dave makes a point to know his clients, their business and their needs. Any questions or concerns, he’s on it. …Need advice or innovative solutions around employee benefits? Dave and his team are the best.
Quick, No Fuss, Do The Work For You Type Of Guys!
Dave’s always very attentive, quick responding and very informative for all of the information that our business has required over the past 5-6 years. It would be very tough to find a better provider!
Top Notch Service
I have been working with Dave for ten years or more and would highly recommend him. He and his team are very knowledgeable, and the service is exceptional. He truly goes above and beyond to give the best service there is.
We have had great service. Dave was most helpful in getting us a plan for our group benefits that fit our small company’s needs and not the insurance companies needs. Follow up has been consistent and the staff are very knowledgeable and most helpful when we need them.
…As a multi divisional firm the complexities of the HR/Benefits issues that arise are always handled in an expedient fashion. His monthly contact along with ongoing Service commitment have lent to an excellent partnership. I have no reservations in endorsing Dave and his team as he is an ardent supporter, advisor and advocate!
Excellent Service from Dave and his Team!
We have engaged Dave and his team for over 13 years for our group benefits Program as well as a health and wellness plan. …Dave calls to let me know if our program is still the best option and if not why. He has already done his work before he calls and has different options for us.
Personal and Involved Service
We have dealt with Dave for several years over two companies. Through start-up to growth phases, they have offered good alternatives for our benefit requirements. Dave and his team have been attentive and flexible in their discussions with us. We appreciate their service.
Always a pleasure to deal with
I Dave and his team very helpful, timely, knowledgeable and courteous. They follow up on any concerns. If they don’t have the answer right away, they will find the answer. Dave likes to chat and has a sense of humour quite like the writer of this review, so one must ensure there is ample time to converse and laugh with Dave during his monthly service calls.
Frequently Asked Questions
We’ve helped single individuals set up health benefit plans. However, we generally work with companies with three or more employees. That said, if you’re on your own and you need help with benefits planning, we’ll be happy to help.
A normal timeline to set up a new employee benefits plan is 3-4 weeks.
There are generally no fees to pay when working with a benefits broker. Normally services are paid for by your benefits plan provider. There are some exceptions, but there are never any surprise invoices.
No, you can establish different classes of employees, where each employee class receives a different level of coverage.
Yes, it is very common to cost-share premium dues with your employees. Employer contributions must equate to a minimum of 50% of the extended health and dental premiums and it is recommended employees cover the insured benefits. There are all kinds of different scenarios to consider.
Renewal periods are generally 12 to 18 months. And yes, your rates are likely to change each time you renew to reflect your actual claims and premium funding history, pooling and inflationary factors.
There is no universal answer to this question. Each situation is unique, so your best option is to speak with a benefits expert directly. Please call with special needs questions, and we’ll outline the best possible solutions to help you.
The short answer is there is some risk to your business. However, you can control your risk with stop/loss insurance, which is standard on most programs to limit your potential liability. Risk management is an important consideration and one best discussed with your broker directly. There are many different scenarios to consider. Please contact us with questions.
Yes, changes to plan design can be made with 30-day notice. It’s noteworthy to mention, depending on whether the change is an enhancement or reduction to the current level of coverage, these changes will impact pricing.
Minimal time. Your broker can do the majority of the “heavy lifting”. With that said, collaboration is required to ensure the benefits plan being implemented is the “right fit” for your organization, in addition to some “paperwork” (master group application, etc.) for review and signature for the selected insurer.
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