Visit Benefit Specialists Corp.


When you leave home you shouldn't have to worry about anything. Atlas Travel has a variety of plans to cover everything from emergency hospital & medical insurance, trip cancelation, single and multi-trip plans, and student coverage when traveling outside of Canada.

You will feel secure knowing your financially protected during your travels.

Best Doctors Elite Diagnostic Imaging Service - for companies 10 employees and up. We all know the kind of wait times we experience today for medical services. If you require Diagnostic Imaging to help diagnose a serious medical condition, you can be facing a 2 to 3 month wait, or even longer. Of course, this adds additional anxiety to the stress of worrying what the results of the test will be. Best Doctors Elite Diagnostic Imaging Service provides rapid access to diagnostic facilities and medical consulting.
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July 2018 Bulletin

   
   
   
   
   
   
   
   
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  <td align="right" nowrap><strong>From: </strong></td>
  <td width="100%">The Benefit Specialists Corp. &lt;ann.hauk@beneco.ca&gt;</td>
  </tr>
  <tr>
  <td align="right" nowrap><strong>Subject: </strong></td>
  <td width="100%">News from The Benefit Specialists Corp.</td>
  </tr>
  <tr>
  <td align="right" nowrap><strong>Preheader: </strong></td>
  <td width="100%"></td>
  </tr>
  <tr>
  <td align="right" nowrap><strong>Reply: </strong></td>
  <td width="100%">ann.hauk@beneco.ca</td>
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  <p style="color:#0a74db;margin-bottom:0px;margin-top:0px;"><span style="font-family: Segoe Print, Comic Sans MS, Arial, sans-serif; color: #ffffff; font-size: 12pt;"><b>Dear Ann,</b></span></p>
  <p style="color:#0a74db;margin-bottom:0px;margin-top:0px;">&nbsp;</p>
  <p style="color:#0a74db;margin-bottom:0px;margin-top:0px;"><span style="color:#ffffff;font-size:12pt;font-family:Segoe Print, Comic Sans MS, Arial, sans-serif;">We hope you enjoy the July 2018 edition of our bulletin. &nbsp;Please feel free to </span></p>
  <p style="color:#0a74db;margin-bottom:0px;margin-top:0px;"><span style="color:#ffffff;font-size:12pt;font-family:Segoe Print, Comic Sans MS, Arial, sans-serif;">contact us if you ever have any questions or concerns, we are here to help!</span></p>
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  <p style="MARGIN-TOP:0px;MARGIN-BOTTOM:0px;">&nbsp;<span style="FONT-SIZE:18pt;FONT-FAMILY:Trebuchet MS, Verdana, Helvetica, sans-serif;COLOR:#000000;"><b>The Benefit Specialists Corp. Newsletter</b></span></p>
  <p style="MARGIN-TOP:0px;MARGIN-BOTTOM:0px;">&nbsp;</p></td></tr></table><table class="BlockMargin" style="background-color:#006e6d;margin-bottom:5px;" bgcolor="#006e6d" border="0" width="100%" cellpadding="5" cellspacing="0" id="content_LETTER.BLOCK3"><tr><td class="IssueText" style="text-align:right;color:#FFFFFF;font-size:10pt;font-family:Verdana,Geneva,Arial,Helvetica,sans-serif;" width="50%" rowspan="1" colspan="1" align="right"><br /></td><td class="IssueText" style="text-align:right;color:#FFFFFF;font-size:10pt;font-family:Verdana,Geneva,Arial,Helvetica,sans-serif;" width="49%" rowspan="1" colspan="1" align="right"><span style="color:#888888;">&nbsp;&nbsp;&nbsp;&nbsp;</span>
  <div style="text-align:left;" align="left"><span style="font-weight:bold;"><br /><span style="color:#000000;font-size:14pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<span class="ccFontUpdated" style="color:#ffffff;">&nbsp; &nbsp; July</span><span style="color:#ffffff;">&nbsp;2018</span></span></span><br /></div>
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  <div><span style="FONT-SIZE:10pt;">The Benefit Specialists Corp. is more than willing to answer any questions you or anyone you know may have had.&nbsp; If you know someone who has questions regarding the insurance industry or anyone who wants to join our mailing list please contact me, or forward this email to them and get them to click the join our mailing list button below.<br /></span></div>
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  <div><span>The Benefit Specialists are here to Help!&nbsp;</span></div>
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  <p style="margin-bottom:0px;margin-top:0px;"><span>&nbsp;</span></p>
  <span>
  <p style="margin-bottom:0px;margin-top:0px;"><span>The Benefit Specialists Corp. are independent brokers who are licensed to provide you with a group benefit plan. We are not salaried employees of the insurance company you are with. We work for you and want to ensure that you are happy with your provider. We are here to help you and if you are not happy with your provider, we hope that you continue to work with us to provide alternate options, i.e plan design changes or going to market to prepare a plan audit.</span></p>
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  <div><span>Common Administration Issues</span></div>
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  <p style="margin-bottom:0px;margin-top:0px;"><span>&nbsp;</span></p>
  <span>
  <p style="margin-bottom:0px;margin-top:0px;"><span>With all the things going on in our work life, it is easy to forget, all the important issues when administering a group benefits plan for your company. Some items or common issues are listed below. </span></p>
  <p style="margin-bottom:0px;margin-top:0px;"><span>&nbsp;</span></p>
  <li style="margin-bottom:0px;margin-top:0px;">
  <p style="margin-bottom:0px;margin-top:0px;"><span><strong>Ensure all Eligible Employees are Added to your Benefit Plan - </strong>Check the waiting period in your employee booklet. </span><span>Most carriers suggest that you add the person to your benefits package upon hiring, and then if they don't work out, it is easier to delete the persons coverage through the on-line system, call the Customer Service centre or send an email. Time goes by so quickly, and if you forget to add the person, they could be deemed a late applicant and be subject to penalties or a complete decline for all benefits.&nbsp;</span></p>
  </li>
  <li style="margin-bottom:0px;margin-top:0px;">
  <p style="margin-bottom:0px;margin-top:0px;"><span>&nbsp;</span><span>&nbsp;</span><strong>Determining Effective Dates</strong><span> - If your contract includes a waiting period, members must satisfy that waiting period before their coverage takes effect and members must be actively at work.</span></p>
  </li>
  <li style="margin-bottom:0px;margin-top:0px;"><span>&nbsp;</span><strong>Salary Changes</strong><span> - Please ensure that you keep salary changes up to date.</span></li>
  <li style="margin-bottom:0px;margin-top:0px;"><span>&nbsp;</span><strong>Waiving the Waiting Period</strong><span><strong>-</strong> If you have a 3 month, 6 month etc waiting period for employees and you hire a key person (i.e. management, supervisors, etc) you can write a letter, or contact the provider to ask to have the waiting period waived for this person.</span></li>
  <li style="margin-bottom:0px;margin-top:0px;"><span>&nbsp;</span><strong>Beneficiary Changes </strong><span>- please ensure the carrier is notified about changes in Beneficiary, which can be indicated on a change form.</span></li>
  <li style="margin-bottom:0px;margin-top:0px;"><strong>31 Day Rule </strong><span>- All employee changes must be done within a 31 days from the date of change. For example, this would include; marriages, adding a newborn, divorce, a spouse losing their coverage and changing the coverage level. If the change is done after the 31 days, you may be subject to medical evidence and could be denied coverage.</span></li>
  <li style="margin-bottom:0px;margin-top:0px;"><strong>What does late