The product offering from the people designing it know what Social Services needs.
Employers choose to join the CSBT because they want fully insured benefits without unexpected liabilities.
CSBT local community brokers seek to find suitable solutions for plan members and their families.
CSBT continually improves their benefit packages including cost management. Questions are dealt with in a timely fashion and disability claims are managed well.
Sue Talmey of Durham Association for Family Respite Services.
CSBT has a very unique structure as a Trust composed of community service providers. They understand the needs of support workers and provide not only the typical health insurance but added services such as Ceridian Life Works, Critical Illness coverage, options for medication purchasing, and tailored overall programs that meet the needs of the employee body as well as the organization. Many options are included in the program at no additional cost.
Continual evaluation and forward thinking are part of the CSBT process.Barry Jack,
CSBT was able to provide all the coverage of our previous provider as well as offering additional services, Ceridian Life Works and Group critical Illness, for the same cost. Our employees feel this to be a considerable benefit.
We have only been with CSBT since April 2013 and we continue to be pleased with their service and competitiveness.Martin Wexler ,
I was looking for a better plan for the staff; a plan that included the “something” that had previously been missing. What was presented to me, when I was done customizing it (this is an important aspect), was a medical benefit plan that answered my staff’s needs. It had slightly more benefits for slightly lower premiums. I was impressed.
The CSBT team can customize a plan that supports your group for a reasonable premium.Rita Ebbett-McIntosh,
One of the greatest benefits we have found is the responsiveness – if we have any issue or challenge, their team responds immediately and will either walk us through the problem, or simply fix it for us.
We have also appreciated the access to DMI – the Disability Management Institute – this has provided us with third party support when looking at disability claims, and has reduced our long term disability claims and costs.Michelle Palmer,
We have received outstanding service and additional coverage, with costs savings of over 11% and even into our third year our savings are still over 10% compared to our previous plan.
I sincerely recommend utilizing CSBT to any organization, particularly those in the Human Services due to the highly ethical values and philosophy held by this group and their employees.Lorelei Martin,
The rates are very competitive and the grouping of benefits align themselves very well with the needs of our staff. We saved 10% by switching over to CSBT. We have just completed our first renewal and we are still under the rates we had with our former carrier over a year ago.
The grouping of benefits matched our previous plan with enhancements such as Ceridian Lifeworks EFAP plan, Disability Management and other limit based enhancements on life, long term disability and extended health.
The service from our insurer has been excellent with an easy to use web portal for employee self reporting and monitoring accounts.Rick Arseneau, CPA, CGA,
The app makes life easier.Kim Simons,
The rates have remained very reasonable thanks to the size and strength of the CSBT pool. Also, Disability Management Institute (DMI) has been extremely helpful and has really eased up our internal administrative commitments. At the same time, DMI has been very helpful in assisting our disabled employees.
Overall, the CSBT program is a great program at a great price.Cindy Rattai,
We liked that GroupHEALTH is quite innovative on the technology side. Employees can submit health and dental claims on-line and receive payment very quickly, sometimes within 48 hours. For the plan administrator, there is an easy to use program that enables direct on-line administrative management which saves time and access to billing statements and plan booklets are available on-line at any time.Teresa Ludvigson,
There were many things about CSBT that appealed to us. The first was this was a group of social service agencies working together to provide a cost effective solution for benefits. The second was that this group was large enough to afford us some protection from rate increases. The third was that I had worked with Paul Wheeler when he was the Executive Director of John Howard Society of the Lower Mainland. Finally we were able to custom tailor a plan that worked for our staff at JHS Victoria.David Johnson,
When we implemented Managed Rx this past Spring, we immediately saw a substantial reduction in the costs associated with filling prescriptions. Your team clearly explained the process and six months in, we have yet to have a single complaint.Chris Beesley,
Our decision to partner with this company was based on the range of services offered, their personal service, the ease of claim redemption and extremely competitive and attractive premiums. They have more than lived up to all of those factors. Our staff is extremely happy with the package.Barb Cox-Lloyd,
Not only did the CSBT’s team of professionals go above and beyond in transitioning our group to the new program, their online administration capabilities and great customer service have made the administration of our program considerably easier. We appreciate the option of being able to pay for the program with pre-authorized withdrawal while receiving our benefits documentation electronically; these options did not exist with our prior carrier.
Not only do they understand our industry – they support it and I urge everyone to give the Community Services Benefits Trust an honest opportunity to prove to you what they have already proven to me..Marilyn Grudniski,
It is tailor-made for those that work in the care-giving field; a sector of our workforce that is often paid a lower wage.
CSBT provides health, wellness, nutritional and mental health support, often reducing the number of prescription and medical claims. The program offers valuable “extras” such as trip planning, medical and cancellation benefits!
In comparison to other Insurance providers in Canada, Community Services Benefits Trust provides the most comprehensive and cost-effective wellness-based services to our sector. We recommend them highly!Stephania Kostiuk,