Unlike most of our competitors we offer Self-Insuring, also termed self-funding that allows an employer to realize substantial savings, control and flexibility of their group plan by removing the insurance company from all or part of the health and/or dental care. Self-Insured plans are subject to Canada Revenue Agency (CRA) regulations which can be found in IT Bulletin 339R2 and IT Bulletin 85R2 and fall under the category of a private health services plan (PHSP).
Our Associates have extensive experience in traditional group benefit business and Self- Funding or Self- Insurance. This experience helps our clients in many ways. We have built strong relationships with our insurance partners and their group underwriters. This has a tangible impact on the premiums your company pays.
All inquiries are responded to on the same day. After-sale service is our top priority. Employees will be dealing directly with our claims administrators, so any problems that arise are dealt with immediately.
Independent Group specialists
We have a team of brokers specializing in Self- Insured and traditional employee benefit plans. DCM benefits is not aligned with any one insurance company. DCM offers a wide selection of choices including our TPA Self-Insured model.
Personal financial planning
Employees will also receive optional personalized help with individual insurance and retirement needs.