Chambers of Commerce Group Insurance
- Put your business to work for you!
Offset many personal costs through a customized group benefit plan where premiums are a deductible business expense -
Plan Features
The Chambers of Commerce Plan offers "big group" coverage and flexibility. Each participating firm takes a core of insurance benefits depending on its size. These always include an amount of Life Insurance with Accidental Death and Dismemberment benefits. Then the firm may choose optional benefits from a wide range of contemporary products.
- Short Term Disability
- Long Term Disability
- Prescription Drugs, including ASSURE direct pay drug card options
- Vision Care
- Major Medical with Semi-Private Hospital and Paramedical Services
- Basic (Routine), Major and Orthodontic Dental
- Worldwide Emergency Travel Medical Benefits
- Employee Assistance Counselling
- Business Overhead Expense
- Critical Illness Coverage
- Optional Life for Employees and Dependents
- Executive Top-Up (Cost Plus)
* There are numerous options for each area of coverage*
Advantages for Member Firms
The Chambers of Commerce Group Insurance Plan was developed with smaller firms in mind. It makes benefits available to firms with 1 to 50 employees in every type of industry. Virtually any business, which has been in operation for at least six months, is guaranteed eligibility.
As the owner of the business:
- You control your plan, choosing up-to-date options.
- You pick the exact coverage needed.
- You pick the level of coverage, from basic to comprehensive plans.
- You make the choices. You control the cost.
And, with the Chambers Plan, you get:
- fast, accurate claim payment
- outstanding service and support
- simple administration (manage your plan over the internet, should you choose)
- guaranteed renewable coverage
- track record of stable premium rates
Working Together
The Chambers Plan started in 1970 when it was clear that smaller businesses were having trouble acquiring group benefits for themselves and their employees. In a joint effort between the Chambers in Manitoba and the private sector, the Chambers of Commerce Group Insurance Plan was formed. Today it runs under the direction of the not-for-profit Chamber Insurance Corporation of Canada.
Over the 30+ years of plan history, Chambers and Boards have continued the tradition of cooperation, working in concert with plan agents appointed exclusively to their territories. With marketing tactics adapted to each area's unique circumstances, agents and managers conduct a whole range of activities. They exchange referrals, coordinate mailings and insert Chamber Plan ads in Chamber publications, to name a few.
The Chamber of Commerce Group Insurance Plan has a long and distinguished record of prompt service, comprehensive coverage, and competitive rates. The Chamber of Commerce Group Insurance Plan is the largest small business program in Canada and insures over 71000 business owners and their employees.
- No Minimum Firm Size – Full benefits are available to firms with 1 employee.
- No Industry Restrictions – All businesses are eligible to participate in the Chamber of Commerce Group Insurance Plan as long as they are members of a participating Chamber or Board of Trade.
- Guaranteed Approval – With 3 or more fulltime employees there are options available that guarantee coverage to you and your employees without a medical questionnaire.
- Guaranteed Renewable – As long as you are a member of a participating Chamber or Board of Trade and your premiums are up to date, you can never have your plan terminated for excessive claims.
- Rate Stability – Claims are averaged and pooled with more than 23,000 companies just like yours, so you won’t be penalized with a rate increase because of high claims.
- Administer Your Plan On-Line – You have the option of using the “my-benefits” secure website to manage, complete any changes or updates to data on your plan.
Over 22,000 businesses nation wide have chosen to go with Canada’s number one group benefit insurance plan, and what are they getting? A high value, flexible and reliable plan that won’t cancel coverage or single out any one firm for rate increases due to excessive claims.
The Chamber Group Insurance Plan is run on a non-profit basis and premiums are set to cover the cost of administration and the plan’s benefits. You can choose what benefits you’d like to receive from a wide variety including health and drug coverage, short and long-term disability, dental coverage, business overhead expense, life insurance and retirement savings. In addition, you can pick what level coverage you’d like to receive for each benefit.
The Chambers of Commerce Group Benefit Insurance Plan pools all benefits together so that no one company can be singled out for rate increases or coverage cancellations due to excessive claims. This includes health and dental coverage. The plan also strives to keep stability in costs and benefits. The rates are never discounted to attract new business and then later increased to offset the loss.
These benefits are available to anyone. All firms can apply to join the plan regardless of the employees’ occupations and there is no limit as to how big your firm has to be. Sole proprietorships are just as able to get coverage as institutions with 20 or more employees. In addition, if your firm has three or more full time employees each individual is guaranteed the basic levels of coverage!
The Chambers of Commerce Group Insurance Plan is a great way for your small to medium sized business (1-50 employee’s) get the coverage with a high value, flexible group benefit plan without the fear of large rate increases or cancellations.
Whether you're a one-person firm or have as many as 50 employees, choosing a custom benefit program is easy and affordable with the Chambers Plan.
The Chambers of Commerce Group Insurance Plan helps you and your employees offset unexpected expenses through health, drug, dental, disability, life insurance, business overhead expense and critical illness coverage
- Chambers of Commerce Group Insurance
-
- Gregory Ford; Advisor
- 4819 - 49 Street
- Lloydminster, SK
- S9V 0L9
- Phone. 306-825-3284
- Fax. 306-825-3284
- Cell. 780-870-8179
- Web: www.chambers.ca
To request more information & receive a custom quote for your company, just print &
complete this form, then fax it to 306 - 825 - 3284.Adobe Reader is required to view above file.
…Get Adobe Reader
