benefitsWhy was that Insurance Claim Declined?
What is covered?

The most common customer service questions we address are: "Is this covered?" and "Why wasn't this covered?" 

All benefit plan carriers produce employee handbooks to inform employees of what their plans cover. ASSOCIUM clients receive booklets prepared either by the carriers or in-house. Most booklets are barely adequate (some are better than others) but none can go into enough detail to answer any and all questions. The handbook would have to be as thick as a phone book (you may remember those). 

Unfortunately, the more frequently asked question is "Why wasn't this covered?".
Read the full story and find out why >

HRHR in Box Solutions
Guaranteed to Surprise You

As a small business owner, you work long hours to realize business success. The road to success will involve tapping the expertise of many professionals along the way as your business grows.
It goes without saying that their expertise is only meaningful after they spend some time getting to know your business model and priorities.  

There are two key reasons why employment lawyers, for example, will not give advice without satisfying their need for understanding your business operations and/or the particulars of a specific situation. The first is obvious: customized advice requires familiarity with your business and employment context. The second is not so obvious - they know what questions to ask beyond what you offer or think you need. The former helps them manage their risk; the latter helps them manage your risk.

CBDWhat to Expect When Getting Medicinal Cannabis
Clearing the Misconceptions about Medicinal Cannabis

Many people do not know the process for obtaining medicinal cannabis. A medicinal cannabis authorization involves more steps and education than compared to other drug prescriptions. In addition, the service levels of many clinics vary and some also charge patients fees that can be quite costly.

So, let's start by clearing up some of the misconceptions.
  • Misconception 1: All cannabis will get me "high"
  • Misconception 2: I can just get it from a friend or dispensary
  • Misconception 3: I have to pay fees to get my prescription or educational support 

PharmacyAsk the Pharmacist: Naloxone
Life Saving Medication for Opioid Overdoses

Opioids are drugs that are traditionally prescribed by physicians to patients for the treatment of pain. It is important to note that when opioids are used as prescribed, their potential for abuse is quite low. However, if taken at higher than prescribed doses and at inappropriate dosing intervals, the risk of abuse increases. This is due to their potential to cause euphoria ("high") in the patient. 

Anyone who is using opioids can experience an overdose. However, there are other factors other than opioid misuse that can increase the risk of experiencing an overdose. 

GOLFASSOCIUM Golf Tournament
Save the Date! Thursday August 16th

Think about a foursome of your favourite colleagues and join us for golf on Thursday August 16  at Whitevale Golf Club! Watch your inbox over the next couple of days for your official invite and sponsorship opportunities. It's a fun day for a two great causes: Broad Reach Foundation and the ASSOCIUM Community Chest. 

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.