What we deliver to you:

Value  &  Quality in Group Benefits Programs

Group Benefits

• Life
• Health
• Vision Care
• Enhanced Out-of-Country Travel Insurance
• Dental
• Short Term Disability
• Long Term Disability
• Employee Assistance Programs

Ask us about:

• "No Bull Rates"^TM
• A pricing philosophy designed to suit the budgeting needs and organizational challenges of not-for-profit organizations for many years.
• Buying Power: big volume = large group pricing scales for small groups.
• Customized benefit plan designs to match existing plans and create new designs better suited to your evolving circumstances.
• Our Long Term Disability program includes the following, at no additional cost:
• professional HR Training materials;
• access to confidential, professional telephone coaching for HR challenges faced by managers and union representatives;
• an employee assistance program; and
• post traumatic event counselling.
• Free consulting service on benefit plan design.
• Salaried Professionals: Even in Sales.
• We are not-for-profit: Members "own" the assets.
• Confidential assistance to both Employers and Unions in Collective Bargaining.
• Education and Communication.
• Disability Management.
• Pharmacy Benefit Management.
• Dispensing Fee Management.
• Mediation on benefit issues.
• Co-operative & mutual insurer design.
• Pooling of benefits for experience rating.
• Cross experience rating.
• Stand alone accounting on request for larger groups.

All of these services are delivered by a team of specialists who know how to deliver the best insurance benefits at the lowest cost to participating organizations and plan members.

515 Consumers Rd, Suite 300, Toronto, Ontario, M2J 4Z2     Phone: 416-443-9223    Toll Free: 877-766-7823    Fax: 416-443-3185

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©OJTBF 2008