Leading The Way: Creative Benefit Add-Ons

Think outside the box by supplementing core benefits coverage with distinctive & progressive add-on coverages, making your compensation packages stand out.

Supplementary Benefits

Innovative, add-on solutions designed to increase flexibility & set your benefits apart from the competition.

  • The employee assistance programs (EAPs) that we recommend to our clients are fully integrated virtual health platforms, which vastly improve the employee experience and their physical and mental health outcomes. These industry leading programs are designed to better integrate with core benefits coverage when compared to traditional EAPs.

  • We believe in providing true protection for our clients and their employees. Often, this goes beyond the coverage included within a traditional benefits program.

    Critical Illness (CI) insurance offers financial protection to those impacted by a severe disease or illness.

  • A cutting-edge insurance offering from our partners at Samos Insurance, Surgical Risk Protection works in a similar way as life insurance - SRP provides fast & affordable insurance for end-of-life risk during medical procedures.

    You have the option of adding SRP coverage to your benefits program at the group level, or offering this protection to your staff for individual purchase.

  • Benefluent Advisory has partnerships with leading Benefits Technology & Human Resources Information Systems (HRIS) platforms, allowing you to effortlessly manage all of your people operations in one place.

    Everything from onboarding a new employee, enrolling them in your benefits & group retirement savings programs, to running payroll & time tracking, can be done through one integrated platform.

  • Long-Term Disability (LTD) coverage offered within an Employee Benefits program will be limited to monthly Non-Evidence Maximums (NEMs) and Overall Maximums that don’t adequately replace the income of a high-earning employee, in the event of disability.

    To ensure these important team members are covered appropriately, Benefluent Advisory Inc. offers Wage Loss Replacement Programs (WLRP), which work in conjunction with existing group LTD coverages, to provide the right amount of income replacement for top professionals.

  • When employees leave your organization and lose their benefits coverage, they may want to continue coverage on an individual basis.

    An advantageous period of time exists where a former employee can convert Group Life, Critical Illness, Health and Dental insurance to an individual policy without providing proof of good health, or going through medical underwriting.

    Our preferred provider of conversion coverage is Green Shield Canada. Visit our dedicated conversion site to learn more.

  • Benefluent Advisory Inc. has established Preferred Pharmacy Networks (PPN) with both Rexall & Pocketpills. Our clients now have access to both a physical retail pharmacy chain, as well as an online, virtual pharmacy provider.

    By introducing our preferred network of pharmacies, your employees will get exclusive savings that are passed on to your plan, including guaranteed low mark-ups and dispensing fees on all prescription drugs. There is additional savings for high-cost, specialty drugs.

  • BenefitHub is the global market leader in delivering the kinds of everyday discounts and benefits that employees really want.

    As a client of Benefluent Advisory, we can build out a dedicated and custom branded BenefitHub portal for your entire organization to enjoy - and the best part is there is no extra cost!

Supplementary Benefit Overview (FAQ)

What are supplementary benefits & how can they be used to enhance our benefits program?

You can think of supplementary benefits as standalone, add-on benefits that are chosen based on your organization's unique needs. Supplementary benefits are used to enhance the coverage already included in your core program.

What are supplementary benefits, and how do they differ from traditional employee benefits?

Supplementary benefits, offered through Benefluent, are additional perks and coverage options beyond the standard employee benefits package. They complement existing benefits by providing added value and flexibility to employees, enhancing their overall compensation and well-being.

What types of supplementary benefits does Benefluent offer?

Benefluent offers a wide range of supplementary benefits tailored to meet the diverse needs of employees. These may include lifestyle benefits such as gym memberships, tuition assistance programs, wellness initiatives, financial planning services, and more.

How can supplementary benefits from Benefluent enhance employee satisfaction and retention?

Supplementary benefits play a crucial role in enhancing employee satisfaction and retention by offering additional support and resources that go beyond basic coverage. They demonstrate an employer's commitment to supporting the holistic well-being of their workforce, leading to higher levels of engagement and loyalty.

Can businesses customize supplementary benefits packages to suit their employees' needs?

Yes, absolutely! Benefluent works closely with businesses to customize supplementary benefits packages that align with their employees' preferences and requirements. Benefluent Advisory conducts assessments to understand the unique needs of each workforce and recommends tailored solutions accordingly.

How can businesses integrate supplementary benefits into their overall compensation and benefits strategy?

Integrating supplementary benefits into the overall compensation and benefits strategy requires careful planning and communication. Benefluent Advisory provides guidance and support to businesses in effectively integrating supplementary benefits into their existing offerings, ensuring alignment with organizational goals and employee needs.

EAP + Integrated Virtual Health:

What is an EAP and integrated virtual health platforms?

Benefluent Advisory highly recommends EAP’s and integrated virtual health platforms  to improve employee physical and mental health. These virtual platforms offer a range of benefits, including counseling services, access to healthcare professionals and other resources that are proven to  be beneficial to employees. In combination with core benefits, EAP’s and integrated virtual health platforms give employees convenient access to the care they need.   

Critical Illness Insurance

Why is Critical Illness insurance important for my organization?

Critical Illness insurance provides peace of mind and  financial relief to employees during a very vulnerable time in their life. By offering Critical Illness protection to your staff, you are showing them that your organization truly cares about their well-being. and   

This type of insurance is often not included within a traditional benefits program, but Benefluent Advisory offers it as an add-on to supplement core benefits coverage. 

Surgical Risk Protection (SRP) Insurance

What is Surgical Risk Protection (SRP) Insurance?

Surgical Risk Protection (SRP) is an innovative type of insurance offered through Benefluent Advisory's partner, Samos Insurance. SRP provides fast, affordable insurance for end-of-life risk during medical procedures. This coverage works similarly to life insurance and can be offered as an add-on to employee benefits programs at the group or individual level. 

Why should our organization consider adding  Surgical Risk Protection (SRP) Insurance to our benefits program? 

Surgical Risk Protection Insurance (SRP) is as valuable as it is innovative. In giving your employees the ability to purchase SRP at a time of need, you are providing them with coveted flexibility at a critical time in their life. This innovative offering and the flexibility it offers will set your benefits program apart from the competition - at a very affordable rate.

Modern Benefits Administration & HRIS Technology Platform:

What is Modern Benefits Administration & HRIS Technology Platform, and how can it enhance my employee benefits program?

The Modern Benefits Administration & HRIS Technology Platform offered through Benefluent Advisory's partner, Rippling, allows organizations to manage all of their HR operations under one simple platform., Implementing  an HRIS platform can help improve the employee experience and efficiency while reducing administrative overhead. 

Disability Insurance for High Earners:

Why is a Wage Loss Replacement Program (WLRP) important for my organization?

If your organization includes high-earning individuals, they are likely under insured by the group Long Term Disability (LTD) coverage included as part of your benefits program. To ensure they are sufficiently covered, a disability top-up, or Wage Loss Replacement Program, will be required. 

By offering this additional disability coverage, your organization is protecting those key employees, and at the same time enjoying the benefits of purchasing this coverage at a group rate as opposed to on an individual basis. 

Preferred Pharmacy Network (PPN) & BenefitHub Employee Perks:

How can I access additional savings and employee perks?

As a client of Benefluent Advisory,  your organization will have access to Preferred Pharmacy Networks (PPN) with Rexall and Pocketpills. These networks offer exclusive savings that are passed on to your plan, including low mark-ups and dispensing fees on all prescription drugs. In addition, BenefitHub, a leading provider of everyday discounts and employee perks, is available to all clients. We can create a custom-branded BenefitHub portal for your organization, with access granted to all employees.