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 several best-in-class providers. Our clients have access to preferred pharmacy arrangements at both physical retail locations, as well as online or virtual pharmacies.

    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!

Toronto

1075 North Service Road West Suite 100 Oakville, ON L6M 2G2

Vancouver

1055 West Georgia Street Suite 2400 Vancouver, BC V6E 3P3

Frequently Asked Questions

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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 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. 

  • The Modern Benefits Administration & HRIS Technology Platform offered through Benefluent Advisory's partner, Collage HR, 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. Client’s can also enjoy Payroll Sync with your existing payroll provider to further streamline your process.

  • 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. 

  • 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.