Since 1984
Topics In This Issue
  • WSIB Rate Framework Change
  • Ask the Pharmacist: Flu Vaccines
  • We're celebrating the Gift Giving Season a little early to help you GAIN a little holiday spirit
  • Why was that Insurance Claim Declined?
WSIB Rate Framework Change
The new framework will simplify, and bring consistency to how premium rates are set and adjusted.
On January 1, 2020 the Ontario Workplace Safety and Insurance Board (WSIB) will introduce a new rating system which will change the way premium rates are calculated across the province.

The WSIB will use a two-step approach to set and adjust the rates for employers.

  1. The first step involves setting the average rate for each industry class based on their risk profile and share of responsibility to maintain the insurance fund.
  2. The second step will adjust individual rates by looking at the individual claim history and how it compares to the rest of businesses in the same class.
Ask the Pharmacist: Flu Vaccines
Understand the who, what, where, when and why of flu vaccines
  • Why should people get vaccinated against the flu?
  • How does the flu vaccine work?
  • Who should get vaccinated this season?
  • What are other measures that can be taken to protect against the flu?
  • Where can I get the flu shot?
  • Why do I need a flu vaccine every year?
We're celebrating the Gift Giving Season a little early to help you GAIN a little holiday spirit
Contact your ASSOCIUM GAIN Team and we can help!
Get 2 new quotes in the works from our roster of Partner Providers by December 31, 2019 and get a *FREE* HP Printer/Scanner/Fax machine.

Save money and save on office efficiency!
Refer an organization that becomes a member and get 50% off your upcoming renewal AND get a *FREE* HP Printer/Scanner/Fax machine!
Our Team is Your Team:
Find Out How By Asking an ASSOCIUM GAIN Team member today!
Why was that Insurance Claim Declined?
Read and understand the employee handbook
The most common customer service questions we address are:
“Is this covered?” and “Why wasn’t this covered?”

Unfortunately, the more frequently asked question is “Why wasn’t this covered?”. A question that comes after an employee has had their insurance claim declined. This usually comes in an Explanation of Benefits note listing what was and wasn’t covered from the most recent submission. Sometimes the reasons are simply due to the general plan rules:

  1. The claimant has already claimed the annual maximum allowable for a specific benefit or, in some cases, an overall plan maximum
  2. The benefit (vision, for example) was claimed before its anniversary date.
ASSOCIUM Divisions
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. 
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. 
416-867-9350 or 1-888-761-1164