benefitsASSOCIUM Benefits - The Nasty Renewal
How Benefit Plans are Funded

Recently, we took on a client who was going through their first renewal, 15 months after having established their first plan. The rate increase required by the insurance carrier was over 50%. It was a rich plan with 100% of claims costs paid and a multitude of benefits including orthodontic coverage. The employees and their families used the plan as it was intended and costs escalated accordingly.

Their former broker had not explained how plans were funded and they thought they had been duped. They came to us seeking the same plan design but for less money. That, however, was just not going to be possible.
Find out how we were able to help them keep to their budget >

HRBack Office Integration in Ontario's Healthcare Delivery
The Time is Now... for Change

As we examine past practices, policy and fiscal responsibility for our social systems, one must question - who will be daring enough to make the change necessary to facilitate the required system destabilization that will ultimately stabilize our province from a fiscal and social equity lens. Innovation and integration take risk, courage and tenacity in order to provide more efficient and effective service delivery for Ontarians.
This op-ed was written by a leader within a client organization and offers a glimpse into the frustration of those that actually want to change the system from within.
GAINGo Green in your Workplace
Every Little Bit Helps

Many people have embraced the 'Green Movement' in their personal lives. Some workplaces have been slower to engage but for some organizations 'going green' is becoming more and more important. Our partner Grand & Toy, has developed a Go Green Program so that consumers who are environmentally conscious can do so with ease.

Did you know?
From January - June 2018, 39% of the spend from ASSOCIUM GAIN members contained green content purchases!

CBDMedical Cannabis
Who and What's Covered?

Although legalization will be starting on October 17th, patients will continue to have access to medical cannabis through healthcare professionals and medical clinics. This includes the educational support services related to medical cannabis authorization. One of the key differences with medical cannabis versus recreational cannabis is reimbursement eligibility. The cost of recreational cannabis will not be eligible for coverage.
PharmAsk the Pharmacist: Insomnia
Restoring Your Relationship with Sleep

If you have trouble sleeping, you are part of 3.3 million Canadians (15 years of age and older) who report suffering from insomnia. Not being able to have a restful sleep can have a huge impact on one's daily activities, ability to perform at work, relationships and overall functionality.
Learn about the causes and treatment >

ASSOCIUM has a Calendar of Events , and we offer exclusive use to our ASSOCIUM GAIN members!

We welcome and encourage you to send us your event information

Let us help you get the word out to the public about the initiatives you'd like them to know about! We can add a link to your website for more information about your event and your organization.

This is ideal for upcoming galas, festivals, performances - any event you want to invite the public to.

ASSOCIUM Divisionsdivisions
Since 1984, ASSOCIUM Consultants continues to lead the industry in specialized human resource services, organizational development and provides HR expertise across a broad range of services.
We're unique in the marketplace providing innovative and customized Advisor services: Managing General Agent , Third Party Administrator, Claims Adjudication, Specialty Drug Management / Preferred Pharmacy Network and Human Resources Consulting.

ASSOCIUM Benefits 

Our employee group benefits division, being in business since 1997, gives us the experience to provide customized alternative plans and reduce administrative costs for our clients, while quoting sustainable rates at start up - and at renewal.  

Our procurement services division launched in 1996 as an added source of assistance to the not-for-profit sector ( GAIN). Recently this service has been expanded to include private small business under the Advantage banner. Our goal is to help your organization access preferred pricing for products and services as well as resolve any purchasing issues you may encounter.
Supporting the success of Canadian organizations since 1984.