Over 1000 community agencies trust us

Watch them tell you why in their own words

Why Did You Choose CSBT?

The product offering from the people designing it know what Social Services needs.

Why Did You Join the CSBT?

Employers choose to join the CSBT because they want fully insured benefits without unexpected liabilities.

Do you have any CSBT success stories?

CSBT local community brokers seek to find suitable solutions for plan members and their families.

What has been your experience working with CSBT?

Sue Talmey of Durham Association for Family Respite Services.

Get your benefits questions answered. We’re happy to help you.

CSBT has provided BANA with an opportunity to continue providing our employees’ health benefits with no co-pay or worry. Our philosophy at BANA is for our employees to have work life balance and to engage in mental health promotion. We encourage our employees to use their benefits when they need to without feeling guilty.

I have been very impressed with the ongoing open communication and hands on approach that CSBT provides to us. I am particularly grateful for having a point person that I can rely on when I have a question or need something clarified. This has cultivated a relationship with myself and our organization that makes an immense difference in customer service. Our rates and increases have been very reasonable; we operate on a tight government budget so this something very important to us. Overall, our experience has been positive.

Luciana Rosu- Sieza, Executive Director, Bulimia Anorexia Nervosa Association (BANA) - Ontario

Our experience has been positive. We were interested in the idea of joining with other small organizations to be able to provide our employees with great benefits, and also to be able to manage the increases in a manageable way. That was what intrigued us.

What has kept us, is that this has remained true. We get great benefits and any increases in fees have been in a manageable way.

Kristin Pass, Executive Director, Braemar House School - Ontario

CSBT offers affordable health benefits and their online claims submissions system is easy to use. Prompt service and reimbursement.

I’ve always been happy that we’re with CSBT.

Ronda Kellington, Executive Director, Acupuncture Canada - Ontario

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 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, Executive Director, Our Neighbourhood Living Society - Nova Scotia

CSBT was able to provide all the coverage of our previous provider as well as offering additional services, 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 , President, Community Living Centres Inc. - Nova Scotia

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, Executive Director - CIEVA - New Brunswick

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, Executive Director, Community Living London - Ontario

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, Executive Director, D.A.R.T.S. – Alberta

The app makes life easier.

Kim Simons, Community Living Port Colbourne

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, Cypress View Foundation - Alberta

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 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, Director of Finance, The George Hull Centre for Children and Families – Ontario

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, Former Executive Director - John Howard Society - British Columbia

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, CEO - Community Living Ontario

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, CEO - Habitat for Hummanity Saskatoon

As everyone knows, changing benefit carriers can be a stressful, time consuming process. Working with the team to transfer over was done easily and stress free.

I would wholeheartedly recommend CSBT to any company or organization looking at moving to a new carrier. They were able to both meet our previous plan and in some cases the coverage was better. This carrier knows how to take care of its clients!

Linda Rinaldi, Payroll & Benefits Administrator, Family Respite Services - Ontario