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C&C Flashcards

1
Q

What is discrimination in Group Benefit insurance?

A

Discrimination refers to the unfair or unequal treatment of employees when determining eligibility, coverage levels, or premiums based on non-job-related factors

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2
Q

What is group insurance?

A

A type of insurance that provides coverage to a group of people, typically employees of a company, under a single policy.

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3
Q

What does ‘the experience’ refer to in group benefits insurance?

A

It refers to the historical claims data used by insurers to determine pricing and assess risk.

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4
Q

What is a renewal cap in group benefits insurance?

A

A limit on how much an insurer can increase premiums during policy renewal, helping businesses manage costs.

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5
Q

What is an AOR in group benefit insurance?

A

Agent of Record—an advisor or broker who has the legal authority to manage a group insurance policy on behalf of the client.

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6
Q

What is an EAP in group insurance?

A

Employee Assistance Program—a service that provides confidential support for employees dealing with personal or work-related issues.

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7
Q

What is ‘smart shopping’ in group benefits insurance?

A

The process of comparing different group benefits providers to find the most cost-effective and comprehensive coverage.

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8
Q

What does ‘funding arrangement’ mean in group benefit insurance?

A

It refers to how a group benefits plan is financed, including models like fully insured, ASO (Administrative Services Only), or hybrid funding.

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9
Q

What does ‘taxability’ mean with respect to group benefit insurance premiums?

A

It refers to whether premiums are taxable benefits to employees. For example, employer-paid life insurance premiums are typically taxable.

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10
Q

What is employee cost sharing in group benefits?

A

When employees contribute toward the cost of their benefits, such as paying a portion of health or dental premiums.

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11
Q

What is a Non-Evidence Maximum (NEM) in group benefits?

A

The maximum amount of insurance coverage an employee can receive without needing medical underwriting.

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12
Q

What is discrimination in group benefit insurance?

A

It refers to unfairly limiting or excluding certain employees from coverage based on factors like age, gender, or job title, which can be illegal in some jurisdictions.

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13
Q

What is compliance in group benefits insurance?

A

Ensuring that a group benefits plan adheres to legal and regulatory requirements, such as privacy laws, employment standards, and anti-discrimination policies.

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14
Q

What is an HCSA?

A

Health Care Spending Account—a flexible benefit that reimburses employees for eligible medical expenses beyond their standard plan coverage.

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15
Q

What is a WSA?

A

Wellness Spending Account—an employer-funded account that covers wellness-related expenses, such as gym memberships or fitness equipment.

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16
Q

What is a Benefits Administration Rider?

A

A rider attached to a commercial insurance contract that adds benefits administration services to the policy.

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17
Q

What is a target loss ratio in group insurance?

A

The percentage of premium dollars an insurer expects to pay out in claims, used to determine pricing sustainability.

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18
Q

What is a projected loss ratio?

A

An estimate of future claims costs based on past experience, used to assess plan performance.

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19
Q

How does an Employee Benefits Consultant add value?

A

By helping businesses design, implement, and manage benefit plans that align with company goals and employee needs.

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20
Q

What are key strategies for prospecting SMB clients for group benefits?

A

Target industries with high employee retention needs, leverage personal networks, and highlight flexible benefit solutions.

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21
Q

What are the 3 main points of C&C’s mission?

A

1) Industry leading benefits
2) Expert risk mitigation
3) Unparalleled client service

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22
Q

What is Collage HR?

A

Collage HR is a Canadian-based HRIS designed for SMBs (20-300 employees) that integrates HR, benefits, and payroll in one user-friendly platform.

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23
Q

Who owns Collage HR?

A

Founded in 2016, Collage HR was acquired by People Corporation in 2019.

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24
Q

What makes Collage HR unique?

A

It is one of the most affordable HRIS platforms, integrates with existing payroll & benefits providers, and eliminates duplicate data entry.

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25
What are the core HRIS features of Collage HR?
Employee records, onboarding & offboarding, time-off tracking, recruiting, training, performance management, surveys, and reporting.
26
How does Collage HR integrate with payroll & benefits?
It syncs employee data with major benefits carriers and payroll providers, preventing errors like late applications and incorrect salaries.
27
What pricing model does Collage HR use?
Core HRIS: $8 PEPM; Optional add-ons: Benefits Sync ($3 PEPM), Payroll Sync ($3 PEPM), Managed Payroll ($30 PEPM).
28
What is the implementation cost for Collage HR?
Implementation is FREE (a $999 value).
29
How does Collage HR improve HR processes?
By digitizing and centralizing HR data, automating tasks, reducing errors, and streamlining payroll and benefits administration.
30
Why is Collage HR better than competitors?
It offers fixed pricing, flexible payroll integration, seamless benefits updates, and a bilingual platform, unlike BambooHR, Rippling, or Rise.
31
What type of companies benefit most from Collage HR?
Canadian SMBs with 20-300 employees, especially those using spreadsheets or manual HR processes.
32
How do advisors benefit from recommending Collage HR?
Advisors earn 10% commission on subscriptions or can waive it for client discounts, while also protecting their book of business.
33
What is the Virtual Health Clinic (VHC)?
The Virtual Health Clinic (VHC) is an on-demand telehealth service by Campbell & Co. in partnership with Cleveland Clinic Canada, providing 24/7 access to licensed clinicians.
34
Who provides the medical services for the Virtual Health Clinic?
All medical services are provided by full-time Cleveland Clinic Canada-employed clinicians (not outsourced contractors).
35
What are the two main ways to access Virtual Health Clinic services?
1) Through the Cleveland Clinic Express Care App via mobile, tablet, laptop, or desktop. 2) Using the Tyto remote diagnostic device for advanced remote examinations.
36
What are some key benefits of the Virtual Health Clinic?
24/7 access, no wait times, no per-visit fees, comprehensive diagnosis and prescriptions, specialist referrals, and mental health support.
37
How long does a typical Virtual Health Clinic visit take?
A complete visit can take as little as 7 minutes.
38
What percentage of common ailments can be resolved remotely through VHC?
98% of common ailments can be resolved completely remotely.
39
What is the cost of Virtual Health Clinic per employee?
Only $3.25 per employee per month.
40
What diagnostic capabilities does the Tyto device offer?
The Tyto device allows remote exams of the throat, ears, nose, lungs, heart, temperature, blood pressure, and more.
41
How does VHC reduce absenteeism in businesses?
By providing fast and efficient medical care, reducing time spent in waiting rooms, and ensuring employees return to work sooner.
42
What are some common conditions treated by the Virtual Health Clinic?
Infections, colds, flu, sore throat, sinus infections, allergies, skin conditions, UTIs, mental health concerns, and more.
43
How does VHC support mental health care?
Clinicians provide assessments, counseling, referrals, and ongoing support, with no time limits for consultations.
44
What protocols are in place for individuals with suicidal ideation?
Clinicians remain with the patient until emergency services arrive and provide immediate referrals for ongoing support.
45
How does VHC support gender-affirming care?
VHC offers referrals for transgender specialists, lab tests, counseling, and patient records forwarding for gender-affirming healthcare.
46
What impact has the VHC had on health plan savings?
One client college saw 500 fewer claims in the first year, and the clinic has diverted over 200 emergency room visits, saving over $200,000 in claims.
47
How does VHC benefit rural communities?
It provides immediate virtual access to GPs and specialists, reducing the need for long travel and managing chronic conditions remotely.
48
How does the VHC support urban healthcare systems?
By reducing ER visits for non-emergency conditions, allowing hospitals to focus resources on critical cases.
49
What are some major differentiators of the Virtual Health Clinic?
No government contracts, no triage delays, no appointment requirements, no impact on family doctor compensation, and full-time Cleveland Clinic-employed clinicians.
50
How does the VHC improve employee retention?
78% of employees say strong healthcare benefits impact job retention, and VHC provides fast, high-quality care.
51
How does the Virtual Health Clinic assist families?
Employees’ spouses and children have unlimited access to the clinic, reducing ER visits and minimizing work absences for parents.
52
What success story highlights the VHC’s efficiency?
A St. Clair College employee avoided a 10-hour ER wait for their child’s ear infection by using the VHC, receiving a diagnosis and prescription within 10 minutes.
53
How does VHC reduce healthcare costs?
By minimizing unnecessary ER visits, preventing chronic conditions from worsening, and providing efficient remote care.
54
What is the average wait time for a Virtual Health Clinic appointment?
The average wait time is under 5 minutes.
55
How does VHC integrate with existing healthcare programs?
Clinicians enroll patients in provincial healthcare programs and refer them to employer-sponsored wellness resources.
56
What organization has adopted the Virtual Health Clinic to support first responders?
The Ontario Provincial Police Association (OPPA) is utilizing VHC to support the physical and mental health needs of officers and their families.
57
What makes the Virtual Health Clinic a proactive risk management solution?
It ensures employees receive timely care, reduces workplace health risks, and alleviates strain on local healthcare systems.
58
What is the primary goal of Campbell & Co.'s Employee Mental Health & Wellness Benefits?
To enhance employee retention, productivity, and engagement by providing comprehensive mental, emotional, and physical health support.
59
How does Employee Mental Health & Wellness Benefits differ from traditional EAPs?
It provides direct-to-clinician support, real-time reporting, life coaching, resilience training, and well-being assessments, rather than generic referrals.
60
What are the three pillars of Employee Mental Health & Wellness Benefits?
Reach, Relevance, and Results.
61
How does the Reach pillar benefit employees?
It ensures 24/7 access to support via phone, chat, apps, and in-person, with global coverage in over 70 languages.
62
What does the Relevance pillar focus on?
Tailoring solutions to diverse employee needs, ensuring culturally relevant and personalized support.
63
What is the key objective of the Results pillar?
To provide measurable impact through real-time reporting, engagement tracking, and positive employee outcomes.
64
What practical support services does Employee Mental Health & Wellness Benefits offer?
Work-life balance resources, legal and financial assistance, life coaching, and dependent care support.
65
How does the program support physical well-being?
By offering wellness coaching, stress management resources, and health risk assessments.
66
What is the Manager Assist program?
A specialized service providing managers with tools and training to handle workplace challenges, including low performance and conflict resolution.
67
What makes the direct-to-clinician model superior to traditional EAPs?
It provides immediate, tailored support without requiring employees to navigate a lengthy referral process.
68
How does Employee Mental Health & Wellness Benefits help businesses reduce absenteeism?
By proactively addressing employee stress and mental health challenges before they lead to prolonged absences.
69
How does the program support crisis management?
With Rapid Response Critical Incident Support, offering onsite or virtual assistance for workplace crises.
70
How does the program help improve employee engagement?
By fostering a culture of well-being and providing employees with the tools they need to succeed.
71
What percentage of users felt their organization made the right choice with WPO?
98.4% of users reported satisfaction with the service.
72
How can employees access support?
Through multiple channels including phone, video, chat, WhatsApp, the iConnectYou app, and web platforms.
73
How does the Employee Wellness Benefits dashboard benefit businesses?
It provides real-time reporting on utilization, engagement levels, and areas for improvement.
74
What is the impact of Employee Mental Health & Wellness Benefits on workplace relationships?
It improves interpersonal relationships, leading to better collaboration and teamwork.
75
Why is Employee Mental Health & Wellness Benefits essential for recruitment and retention?
It addresses the top reasons for employee turnover—engagement, culture, and work-life balance—outweighing salary concerns.
76
How does the program assist employees going through life transitions?
It offers support for marriage, divorce, expatriation, grief, caregiving, and family planning.
77
What percentage of cases showed an improvement in overall well-being?
91% of cases demonstrated an increase in employee well-being.
78
What industries can benefit from this program?
Any industry focused on improving employee retention, productivity, and well-being, including corporate, healthcare, and retail sectors.
79
What are the key benefits of implementing Employee Mental Health & Wellness Benefits?
Improved recruitment, reduced burnout, enhanced productivity, and stronger company culture.
80
What is Campbell & Co. Insurance Consultants' primary focus?
Providing innovative, customized group benefits solutions while prioritizing long-term relationships and client education.
81
How does Campbell & Co. ensure clients make informed decisions?
By empowering clients with knowledge, ensuring transparency, and maintaining accessible and attentive communication.
82
What role does transparency play in Campbell & Co.'s client relationships?
Transparency ensures honest, open communication, which helps build trust and long-lasting client relationships.
83
How does Campbell & Co. tailor benefits solutions for clients?
By staying attuned to industry trends, regulatory changes, and adapting plans based on client needs.

C&C Group (3 decks)

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