Risk & Business Magazine CMW Fall 2016 | Page 29

EMPLOYEE BENEFITS benefits and view it as part of their compensation package rather than as a personal cost. ADDITIONALLY, IT HELPS TALENT FEEL LIKE THEY ARE VALUED WITHIN THE ORGANIZATION, WHICH WILL IMPROVE LOYALTY. Employee engagement and loyalty will translate into customer satisfaction and loyalty, which will, in turn, improve profitability and help your company grow. A number of things can be included in group benefit plans: • Life insurance • Accidental death & dismemberment • Short- and long-term disability (income replacement) • Critical illness • Health care—prescription drugs (which are not covered by the province), professional services (acupuncture, naturopath, massage, physiologist, chiropractor, etc.), vision, travel coverage, medical services and supplies, and vision • Dental—basic, major, and orthodontic • EAP—employee assistance programs, which help employees through crises (mental, marital, workplace, financial, etc.) At their core, group benefit plans are flexible enough to fit the needs of the company that they cover. One company might require a flex-care solution, for example, rather than a set plan design. These types of benefits should not be viewed by your employees as a personal cost to them, but as a part of the total compensation that they are receiving for working for your company. This will keep talent coming to your door and wanting to continue working for you. To find out how employee benefits plans could help your company attract and keep quality talent, contact Ryan Wing at [email protected] or call 604-484-4992. + BY: RYAN WING, CMW INSURANCE Ryan began his career with CMW in 2010. As a Client Executive, Vice President at CMW Financial, he offers independent, professional advice to individuals, families and businesses on insurance, investment, estate and tax planning as well as group benefits and corporate financial planning.