A Different Approach to Customizing your Benefit Plan
Multiple insurance providers
Extensive product selection
Seamless group benefit offerings
Onboarding options to suit your needs
Competitive prices
Easy renewals
One contract & one bill for all your benefit needs
Customize to suit your unique needs
Core Benefits
Extended Health Care
Dental
AD&D
Group Life
Dependent Life
Optional Life
Short-Term Disability
Long-Term Disability
Travel
Supplementary Benefits
Optional Life
Virtual Care
Medical Second Opinion
Optional AD&D
Health Care Spending Account
Flexible Stop Loss Options
Critical Illness
Employee Assistance Program
ASO Self-Funding
Top-Up Travel Coverage
No group is too small for quality benefits
RWAM is a TPA catering to the Canadian employer; offering a simplified benefit experience for small to large groups that take the guess work out of providing extensive coverage to your most important assets - your people.
RWAM has done the hard work for you, providing comprehensive group benefit coverage in pre-made plans like 1two3TM, with optional white labelling to enhance your brand. Looking for more customized options? Work with our expert team to develop a benefit solution made just for you.
Regardless of your size, RWAM's influence and in-house administration, underwriting, and _ ensure you receive the best rates, coverage and protection available.
Small Group Plans
1two3
The 1two3™ Small Group Plan is designed for 1-5 employee businesses, providing comprehensive benefits including Life, Accident, Extended Health Care, with optional dental and/or long-term disability coverage.
Your Plan, Your Way…
Profit Participation Plan
RWAM's Profit Participation Plan (PPP) enables employers to share profits from Group Health and/or Dental plans. Participants receive a share of underwriting surpluses, while the insurer covers deficits.
Administrative Services Only
Employers are turning to self-funding benefits, aided by RWAM's ASO approach alongside insured benefits. This streamlined solution offers insurer choice and maintains employee convenience with a single enrollment process and consolidated Benefits Booklet.
Health Spending Account
A Health Spending Account (HSA) funded by the employer reimburses eligible health expenses, offering tax-effective compensation and budget flexibility while providing employees with more choice.
ARB/Cost Plus
Cost Plus / Additional Reimbursement Benefit (ARB) arrangements offer employers a solution for supplemental benefit coverage for employees in need.
One Contract & Renewal for Multiple Carriers
RWAM partners with best-in-class insurance carriers and service providers to offer comprehensive and cost-effective employee benefit programs for Canadian employers.
Protecting Your Plan
Benefits fraud is a crime. RWAM works diligently to monitor and report benefits fraud to ensure Plan Sponsors are only paying for legitimate claims.
What is Benefit Fraud?
Benefit fraud is defined by Fraud = Fraud as “intentionally submit false or misleading information to your insurance provider for the purpose of financial gain”. Examples include (but are not limited to):
- Billing for health or dental services that were never received
- Submitting the same claim to multiple insurers to double your reimbursement
- Letting someone not covered by your plan use your benefits.
To ensure you are only paying for legitimate claims covered under your employee benefits contract, RWAM will:
- Check credentials of providers to ensure legitimacy
- Delist providers that have been found conducting fraudulent activities
- Conduct provider and patient audits
- Investigate suspicious claims or claiming patterns
Report Fraud
Benefits fraud affects everyone, and it’s our shared responsibility to report it when we see it.
If you suspect that a coworker or health or dental service provider is committing benefits fraud, you can:
- report anonymously to CLHIA; or
- contact RWAM directly: special.investigations@rwam.com