Give your members something to write home about.
Leading edge technology, paired with full service or à la carte consulting, administration, and pharmacy benefit management solutions.
Designed to foster deeper connections between plan sponsors, members, and their healthcare providers through a unique blend of digital innovation and personalized service, Drawbridge enhances transparency, increases member engagement, and promotes better-informed decision making.
From turnkey to heavily customized, every implementation is unique. Our flexible, modular architecture enables you to leverage only the platform elements you require.
We offer a wide variety of pension and benefit plan administration services in any number of configurations. Our team of administration experts can perform the full range of required administration functions on your behalf, or we can support your in-house administration team with tools and technology, training and education, and overflow staffing.
Exceptional benefits consulting is rare. It involves a unique balance of creativity and rigour, efficiency and attention to detail. Our team of actuaries, CFA Charterholders, licensed insurance specialists, and experienced analysts provides solutions tailormade to the specific needs of your pension or benefit program.
We help clients minimize lost time by employing a strategy of early intervention and employee advocacy administered within a consistent framework of established best practices. Beyond enhancing recoveries, our approach fosters trust among employees through respect for claimants, case management consistency, and strict adherence to the protection of personal health information.
Our multidisciplinary team of clinicians, therapists, and case managers focus on efficient, accurate diagnosis of illness or injury, quick and effective treatment, and prompt recovery and return to work. With a wide range of integrative disability management and rehabilitation solutions, we work with plan sponsors on either a per-member-per-month or as-needed basis.
Designed to foster deeper connections between plan sponsors, members, and their healthcare providers through a unique blend of digital innovation and personalized service, Drawbridge enhances transparency, increases member engagement, and promotes better-informed decision making.
From turnkey to heavily customized, every implementation is unique. Our flexible, modular architecture enables you to leverage only the platform elements you require.
Exceptional benefits consulting is rare. It involves a unique balance of creativity and rigour, efficiency and attention to detail. Our team of actuaries, CFA Charterholders, licensed insurance specialists, and experienced analysts provides solutions tailormade to the specific needs of your pension or benefit program.
We offer a wide variety of pension and benefit plan administration services in any number of configurations. Our team of administration experts can perform the full range of required administration functions on your behalf, or we can support your in-house administration team with tools and technology, training and education, and overflow staffing.
We help clients minimize lost time by employing a strategy of early intervention and employee advocacy administered within a consistent framework of established best practices. Beyond enhancing recoveries, our approach fosters trust among employees through respect for claimants, case management consistency, and strict adherence to the protection of personal health information.
Our multidisciplinary team of clinicians, therapists, and case managers focus on efficient, accurate diagnosis of illness or injury, quick and effective treatment, and prompt recovery and return to work. With a wide range of integrative disability management and rehabilitation solutions, we work with plan sponsors on either a per-member-per-month or as-needed basis.
Designed to foster deeper connections between plan sponsors, members, and their healthcare providers through a unique blend of digital innovation and personalized service, Drawbridge enhances transparency, increases member engagement, and promotes better-informed decision making.
From turnkey to heavily customized, every implementation is unique. Our flexible, modular architecture enables you to leverage only the platform elements you require.
Exceptional benefits consulting is rare. It involves a unique balance of creativity and rigour, efficiency and attention to detail. Our team of actuaries, CFA Charterholders, licensed insurance specialists, and experienced analysts provides solutions tailormade to the specific needs of your pension or benefit program.
We offer a wide variety of pension and benefit plan administration services in any number of configurations. Our team of administration experts can perform the full range of required administration functions on your behalf, or we can support your in-house administration team with tools and technology, training and education, and overflow staffing.
We help clients minimize lost time by employing a strategy of early intervention and employee advocacy administered within a consistent framework of established best practices. Beyond enhancing recoveries, our approach fosters trust among employees through respect for claimants, case management consistency, and strict adherence to the protection of personal health information.
Our multidisciplinary team of clinicians, therapists, and case managers focus on efficient, accurate diagnosis of illness or injury, quick and effective treatment, and prompt recovery and return to work. With a wide range of integrative disability management and rehabilitation solutions, we work with plan sponsors on either a per-member-per-month or as-needed basis.
Statistics indicate that Canadian families require insurance coverage at a level of four to six times their annual household income. One of the most valuable assets that we as individuals possess is the ability to earn an income. Loss of income through untimely death can have a devastating effect on a family’s lifestyle and dreams, unless provisions are made for the replacement of lost income. Optional Group Life Insurance provides the opportunity for you and your spouse to purchase additional life insurance to supplement the basic life insurance protection.
Accidents happen everywhere–on the job, at home, on holidays, and in many other situations. This insurance provides an opportunity to purchase economical supplemental AD&D insurance. This coverage can be applied to you, your spouse, and your dependant children.
After illness or injury, the road to recovery can be lengthy. That makes an early start in assisting someone back to a healthy work state essential.
Early Intervention Program
Drawbridge’s early intervention program concentrates on one’s ability, not their disability. Our aim is to assist the member in finding the right tools and solutions for a timely recovery, with the intention of returning the member to their previous, or modified job. Our integrated approach to disability management includes actively involving the member, employer, primary physician, and other treatment providers. This allows us to focus not just on the illness or injury, but also on other issues that may be impeding the member’s recovery and ultimate return to work.
How It Works
Advantages of a Disability Management Program
Employees
Employees
An ASO arrangement can help reduce the high administration costs charged by an insurance company. Under this arrangement, an employer provides benefits to plan members on a self-insured basis. No premium is paid to the insurer for ASO benefits. The employer only pays for the actual claims incurred by plan members, plus an administration fee. The ASO arrangement is best suited for benefits such as extended health and dental, since claims for these benefits are predictable, short term, and generally not catastrophic.
Stop Loss Insurance
To mitigate the impact of unexpectedly high claims under a self-insured plan, Drawbridge offers stop loss insurance. Once claims for an individual or family have reached a certain amount, the cost for any further claims during the policy year transfers from the employer to the insurer. The per individual or per family stop loss benefit can be designed in two different ways: (a) applied to drug claims only; or, (b) applied to the entire extended health benefit (excluding emergency out-of-country coverage). Drawbridge offer flexible stop loss benefit amounts starting at $500.
An HSA provides reimbursement for medical and dental expenses that qualify under the Income Tax Act and that are not covered elsewhere. While a Cost Plus program is usually only set up for business owners or key executives, a Health Spending Account can deliver benefits in a tax-effective manner for all employees. In order to be a tax-effective program, an HSA must comply with regulations set out by the Canada Revenue Agency, and it must be fully funded by employer contributions. An HSA works essentially like a bank account. A credit amount is allocated to each employee. The employees use the credited amount to cover an extensive range of medical and dental costs incurred for themselves or their dependents.
Advantages of an HSA
Employees
Employees
Cost Plus is a tax-effective way for an employer to pay for an individual’s claims that are not covered under the group benefit plan. This program is usually provided for incorporated business owners and other key executives. Unlike a traditional fully insured group benefit plan, Cost Plus is a self-insured program, paid with corporate dollars on a claim-by-claim basis. Cost Plus covers medical and dental expenses that qualify under the Income Tax Act.
Advantages of Cost Plus
Before implementing a Cost Plus program, we encourage you to consult with your professional tax advisor to ensure you qualify, and before any expenses are submitted for reimbursement, you will need to ensure the expenses are eligible. For a complete list of eligible medical expenses (form IT-519), visit Canada Revenue Agency’s website or call 1-800-959-2221