GROUP INSURANCE PLAN DESIGNED EXCLUSIVELY FOR QUEBEC CPA FIRMS. Group insurance without compromise
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1 GROUP INSURANCE PLAN DESIGNED EXCLUSIVELY FOR QUEBEC CPA FIRMS Group insurance without compromise
2 A PRO DESERVES BUSINESS CLASS. Which is why the Vigilis team has been providing peace of mind for CPA s, their employees and their families, since GROUP INSURANCE PLANS: INNOVATIVE SOLUTIONS SINCE 1976! Founded in Montreal in 1976, the Vigilis Group has gained a solid reputation in group insurance and its affiliates now serve more than 1,000 small and medium businesses in Canada. The Vigilis Group represents the insurance companies that best answers your needs, such as: ACE-INA Assumption Life Canada-Life Desjardins Financial Security Empire Life Great-West Life Humania Assurance Industrial Alliance La Capitale Manulife Financial Medavie Blue Cross RBC Insurance SSQ Standard Life Sun Life Financial Transamerica IMPARTIAL, CONFLICT-FREE ADVICE. Our advisor s income is salary-based. They receive neither commissions nor bonuses linked to a given company or product. As such, you are assured that any recommendations made are strictly the result of the analysis of your needs. As you would expect, this independent advice results in our business being spread amongst several insurers. During the year ended December 31, 2015, business placed by The Vigilis Group was allocated as follows: Insurer B Insurer C Insurer D Others Insurer A To ensure that this independence is maintained, we hold no shares of any proposed insurance company nor do they hold shares in ours or finance any of our business activities.
3 YOUR FIRM IS AS UNIQUE AS THE CPA PROFESSION. Whether your firm consists of 3, 30 or 300 employees, you can now benefit from a Group insurance plan tailored to your needs. Designed exclusively for CPA firms, the plan is approved by and under the supervision of the Order s Insurance committee, comprised of volunteer members, whose objective is to provide members with quality benefits, tailored to the profession, under preferential conditions. The Insurance Committee is assisted by both Vigilis and Normandin Beaudry, a leading actuarial consulting firm. Ensuring that the plan remains competitive, we have recently negotiated numerous improvements: COMPLETE EMPLOYEE ASSISTANCE PROGRAM AT A NOMINAL COST - In-person and telephone counselling - Resources to maintain employee wellness and work-life balance - Critical Incident Stress Management - Online and mobile resources TRIP CANCELLATION INSURANCE Trip cancellation insurance included in the health benefit, a sizable savings for traveling employees. HEALTH SPENDING ACCOUNT. A predetermined amount that employees can use at their own discretion, to cover various health-related expenses without affecting more traditional coverage under the plan. PERSONAL EXPENSE ACCOUNT A more flexible and advantageous account where the predetermined amount can be used to optimize physical wellbeing. A winning combination for your top personnel. In addition to the basic insurance coverage (term life, accidental death and dismemberment, long term disability and prescription drugs), you can customize your plan to fit your needs with additional protections such as complementary health insurance, short term disability, critical illness and dental insurance. Our experts will help you design a plan to attract and retain the best employees!
4 EXCLUSIVE LONG TERM DISABILITY INSURANCE BENEFITS TRADITIONAL GROUP INSURANCE PLAN In the event of disability, the insurer may recycle you to a different profession after only two years of benefit payments. You must be completely disabled to receive your benefits. Since the plan is designed for regular employees, monthly benefits are determined according to a definition of income that includes only salary and regular bonuses. GROUP INSURANCE PLAN DESIGNED FOR CPA FIRMS The CPA profession is protected. In the event of disability, CPA members are not required to practice another profession until their 65 th birthday. Insured non-cpa members can count on not having to recycle themselves for at least 24 months. In the event of partial disability, insured non-cpa members receive benefits for three months, and CPA members receive them until their 65 th birthday. Since the plan is designed for professionals, monthly benefits for CPA members are determined according to a definition of income that includes net income for the current year, revenue sharing, salary, etc. Monthly benefits are determined according to income at the time of disability. Therefore, any carry over or revenue sharing may have significant consequences in the event of disability. For CPA members, the monthly benefits are determined according to income at the time of subscription. Once income is determined, changes can be made with complete peace of mind. No surprise! In the event of disability, benefits are reduced by those received from other sources (RRQ, SAAQ, etc.), if the total exceeds 85% of your monthly pay after taxes. Disabled CPA members receive the full monthly benefit, even if the total income from all sources exceeds their usual income before disability. 4
5 AN ADVANTAGEOUS GROUP INSURANCE PLAN // STRENGTH IN NUMBERS The aggregate weight of participating firms provide you with: - lower pricing as a result of the economies of scale generated; and - increased bargaining power at renewal time. More importantly, you will never be alone facing the insurer! // UNIQUE RATE STRUCTURE By joining the plan, you enjoy the purchasing power of the Quebec CPA Order. Not only will you benefit from discounted rate tables, the proposed pricing for coverages such as term life, accidental death and dismemberment, long term disability and critical illness benefits will be specific to your firm, reflecting its age and sex distribution. For experience-rated benefits such as short term disability and health and dental care, your rates will be based on a mix of the experience observed for your firm and the overall group, depending your firm s size: CREDIBLE PORTION: Based on your firm s claim experience NON CREDIBLE PORTION: Based on the combined claim experiences of all firms NON CREDIBLE PORTION: Based on the combined claim experiences of all firms NON CREDIBLE PORTION: Based on the combined claim experiences of all firms CREDIBLE PORTION: Based on your firm s claim experience CREDIBLE PORTION: Based on your firm s claim experience SMALL FIRM MEDIUM SIZE FIRM LARGE FIRM 6
6 // UNIQUE RATE STRUCTURE (CONT D.) In addition, as a result of the financial agreement, you avoid Quebec s costly Drug Insurance Pooling arrangement, a sizable savings for firms with less than 50 employees. Our bargaining power assures you a significant reduction in administration costs on all benefits AND, in addition, any surplus generated under the health and dental plans is shared amongst participating firms, once the plan s stabilization fund is fully-funded, further reducing your costs. // OUR COMMITMENT: TRANSPARENCY As technical results are calculated solely within the CPA group, we can provide total transparency in the pricing process. In addition, all financial statements and renewal conditions are reviewed by the Order s Insurance Committee, assisted by Normandin Beaudry, a leading consulting actuaries firm, which ensures the right pricing. // A UNIQUE BENCHMARKING SERVICE Unsure of the attractiveness of your benefits package in the job market? We can provide a unique comparison between your plan and those generally offered by your competitors. You can rest assured that the Group Insurance plan sponsored by Quebec s CPA Order is an asset, sure to attract and retain the staff you are looking for! 7
7 // PERSONALIZED PROFESSIONAL SERVICE We make your life easier! You enjoy access to: - a dedicated plan manager, available at all times to support you; - a team of experts who evaluate and analyze your insurance program in relation to market conditions and provide you with detailed reports; - personalized communication material, adapted to your corporate image. Transparency + clarity = group insurance without compromise. You will quickly appreciate the reasons which have led to the Quebec CPA Order entrusting us to manage its group insurance plan for over 30 years. As we evaluate each benefit separately, more than one insurance company was solicited to offer you the very best in terms of group insurance, Currently, the trusted partners of the Group Insurance Plan for member firms are: // Long-Term Disability and Critical Illness insurance // Travel insurance // All other benefits // Employee Assistance Program 8
8 One number to call for all your needs: QUEBEC S INSURANCE REFERENCE The Vigilis team will ensure your total satisfaction, from the initial benefits analysis to the implementation of an integrated group insurance solution. We also have the expertise to coordinate and supervise external specialists in: - Actuarial services; - Commercial insurance; - Legal services. We will provide business class service, saving you both time and energy. Group insurance without insurance cpa@vigilis.ca St-Martin blvd. E., Laval, Québec H7E 4T6 The insurance plans designed exclusively for CPA members and firms are distributed by Les services financiers Vigilis and Les régimes collectifs Vigilis, part of the Vigilis Group of companies. All Vigilis insurance advisors are subject to the regulations of and have licenses issued by the Autorité des marchés financiers.
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