• 70% to 100% available under Basic Services (depending on group size)
• Major & Orthodontic Services available - call to see if your firm qualifies
• Pay Direct Dental Claims
• Cost Plus coverage available

• 80% coverage - $1,000,000 per person
• 80% drugs only, 100% out of province for emergencies
• Prescription drugs: Direct Pay Drug Plan
• Semi-private hospital room
• ParaMed. services $500 per practitioner
• Worldwide Emergency Coverage
• VisionCare $100-$200/24 mo. available

• Income replacement up to age 65
• Plans start after 120 or 180 days
• POSACTIONPLUS included at no charge

• Income replacement payable up to 17 or 26 weeks
• 1st day Accident or Hospitalization option
• 8th or 15th day Sickness, 17 or 26 weeks

• 16 covered illnesses
• Guaranteed issue depending on group size from $10,000 to $75,000

• Living Assistance Benefit
• Critical Disease included in ADD&D
• Prenatal Benefit

There are many reasons:

• Support of BOMA BC.
• Competitive rates and pricing through bulk pricing and plan design considerations.
• Benefit plan improvements (often at the same cost as your current plan).
• Benchmark you current plan. If you have not done this in a few years it may be time.
• Service. In exchange for the BOMA BC endorsement both Dehoney Financial Group and Benefits by Design have had to commit to offer superior service levels to BOMA BC members. Additionally, both organizations are BC based.
• Ease of administration. The BOMA BC plans have been designed and are supported by a commitment to better and easier plan administration for BOMA BC members.
• Innovation. The BOMA BC program has made every effort to make sure that the benefit program reflects the most current innovations in employee benefits. For example, pay direct drug and dental, Employee assistance, wellness, and optional critical event coverage.

In most cases, we are able to offer very competitive rates and can design a plan that is as good or better than your current plan. If your current plan is superior - we will let you know. We can test your plan against what we can offer. You are under no obligation to change you current plan by asking us for a consultation.

If you have been in business for a couple of years and have grown beyond the one or two employee stage you will want to consider benefits. Employee benefits can form part of the total compensation a company pays its employees. They are an integral component of any company's attraction and retention strategy. When properly communicated and understood, most employee surveys indicate that people want benefits. Why? Benefits are a more tax efficient way to deliver compensation to employees for services and protection they are already using, want, or need.

If you already have a group insurance plan then you have an idea of the cost. The key is can you get more value for your benefit dollars? If you have never had a group benefit plan we can help you build one that can suit your budget and goals.

As a general guide, most benefit programs cost between 2-3% of payroll (typically this is a 50/50 cost sharing arrangement between employer/employees). We can discuss your needs and help determine what a plan would cost your company. Group insurance is priced on the basis of blend of macro level characteristics (industry, region, carrier pricing models) and of your groups specific demographic characteristics. For this reason, in order to estimate the cost of a benefit plan, we require information specific to your company and employees.

Absolutely. While Dehoney Financial Group's core business is employee benefit programs we are a full service financial and insurance firm. We offer a wide range of services available to serve our clients.

Confidentiality and privacy are important matters. BOMA BC has set standards that any endorsed supplier has a credible and established privacy policy. You can access Dehoney Financial Groups and Benefits By Design's privacy policy at:

Dehoney Financial Group: http://www.dehoney.com/privacy.html
Benefits by Design: www.bbd.ca and click on Privacy policy at the bottom of the home page.

Both organizations are BC based. Dehoney Financial Group markets the BOMA BC employee benefit program and provides advice and service. To learn more visit their website http://www.dehoney.com/group_plans.html

Benefits by Design provides administration for the program. To learn more about their services visit their website http://www.bbd.ca/whyus.php

Even though both firms are independent they work together to source the most competitive solutions to your needs.