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The Nasty Renewal
 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. Once we helped educate them, we worked with the client to reduce the benefit offering of the plan, and we were able to help them keep to their budget.
Read the full story and solution > |
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Human Resources and Small Business
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5 areas that should be at the top of any small business' human resources to-do list
 You and a few of your committed friends worked extremely long hours focused on the unconditional goal of making your business successful.
Three to five years down the road, you've signed a few contracts, hired more staff and your business has started to grow roots.
One of the challenges success brings is managing the increased staff. Adding staff creates a more formal environment, work processes are more cumbersome and internal controls are more complex. You will now need to manage employee relations and performance issues not to mention some of the 'old friendships' that may have been affected. This is all in addition to continuing to manage and grow your business.
But what exactly is human resources and why should you care?
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 Pillars of the Community
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3rd Annual Hike for Hospice on Sunday September 27th
Hospice of Waterloo Region is a volunteer organization that provides comfort, care and support to people affected by life threatening illness. Our programs include: volunteer visiting for individuals living with a life-threatening illness, Day Away Program, professional individual and family counselling, bereavement support programs, Kids Can Cope Workshops, transportation services, and hair salon services. All Hospice programs and services are offered Free of Charge!
At Hospice of Waterloo Region, we believe that no one should journey alone. Please help us on our mission by joining us for a day of fun, food, and celebration in the 3rd Annual Hike for Hospice on Sunday September 27th., 1K Walk or 5K Walk or Run starting from Kitchener City Hall @ 10:30 am.
Register as an individual, a family, or a team for a 1K or 5K Walk or Run. We challenge you to see how much you can raise, with prizes for the top fundraiser, fundraisers over $200, and early bird registrants! To register log onto
www.hospicewaterloo.ca or call 519-743-4114.
From individual to caregiver to loved-one, we offer programs and services for people affected by life-threatening illness. Help us continue to provide hospice services to those in need at no charge by joining us on September 27th.
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 If you would like to be recognized in this section of our newsletter or website, please forward a short article to
[email protected]. Your content can include an introduction to your organization to help generate awareness; it can give a history; highlight your mandate; or even give details of an event. It's your space. We would love to help highlight your organization and its initiatives!
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Save Money and Resources with our Complimentary Procurement Assessment
 For nearly 20 years, ASSOCIUM GAIN has been offering a way for the not-for-profit community to gain a competitive advantage. Recognizing the reduction in funding avenues, and that business expenses were under managed, we created a program to assist organizations in their operational benefits, workflow management, and P&L statement. ASSOCIUM created a comprehensive approach to the what, how and when organizations were purchasing.
We provide the highest quality of member service, while creating the most productive use of resources. We offer preferred pricing among all of our national partner providers. Our team works with yours easily and quickly to improve business performance. Our members see the cost and resource benefits immediately.
Many supply executives don't measure the economic value of procurement, and subsequently are unable to directly link it to their bottom line. Through our complimentary Procurement Assessment, we work with your organization to examine the efficiency and effectiveness of your most significant processes. Our members are able to see the direct correlation between our program and their savings at any given time.
Your organization may already have internal procurement expertise or it may have no internal competencies. Either way, you may wish to benefit from cost reduction, supplier and contract management or you may want to outsource a specific area - ASSOCIUM GAIN is here to assist. Contacting the ASSOCIUM GAIN team will help deliver your organization savings right away.
Already a member? Let's get together and ensure your organization is receiving the maximum value.
Let us do what we do best, so you can do what you do best.
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Upcoming Events
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ASSOCIUM Divisions
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Our procurement services division launched in 1996 as an added source of assistance to the not-for-profit sector. Our goal is to help your organization by providing you access to competitively priced products and services as well as resolving any purchasing issues you may encounter.
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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.
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For over 30 years, ASSOCIUM Consultants continues to lead the industry in specialized human resource services and organizational development.
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