The Chambers of Commerce Group Insurance Plan started in 1970 in response to demand from the members of Chambers of Commerce and Boards of Trade across Canada. Traditional insurers would not insure small businesses and the Chambers Plan was created specifically for small businesses in Canada. It was created to provide a stable and flexible employee benefits solution for small to medium sized Canadian businesses.
The Chambers Plan is Overseen by the Chambers of Commerce Insurance Corporation of Canada, a not-for-profit entity which is operated by a volunteer board of directors. Its sole purpose is to provide comprehensive, cost effective benefits to Chamber of Commerce and Board of Trade members and their employees. And as a not-for-profit, all surpluses stay in the Plan to help lower premiums and keep rates stable and predictable. Desjardins Insurance, CHUBB Life Insurance and Western Life are the primary insurers for the Plan. Arete provides the Employee Assistance Program and Business Assistance Service, and Best Doctors provides its services to all insured participants.
The Chambers Plan is the largest benefits plan of its kind in Canada, endorsed by more than 900 Chambers of Commerce and Boards of Trade. The Chambers Plan currently insures over 30,000 businesses, and is a unique offering in the world of group and employee benefits.
Administration for the Plan is handled by the Johnston Group, a third party administration company headquartered in Winnipeg, Manitoba. The Johnston Group has been selected as one of Canada’s Top 50 Best Managed Companies every year since 2001.
The Chambers Plan has been delivering a complete selection of outstanding employee benefits and is always evolving to meet the needs of it’s customers.
Your plan can be customized with the following benefits:
Extended Health Care
Prescription Drug Coverage
Group Life Insurance
Long Term Disability Insurance
Critical Illness Insurance
Short Term Disability Insurance
Accidental Death and Dismemberment (AD&D)
Health Care Spending Accounts
Business Overhead Expense Insurance
Employee Assistance Program
Group Retirement Solutions (RRSP / DPSP)
A Chambers Plan includes the following benefits at no cost:
Best Doctors® helps employees make important medical decisions by connecting individuals and their treating physician to world renowned specialists. It provides employees one-on-one support to help them navigate the healthcare system.
Business Assistance Service (BAS)
BAS helps owners manage their business more efficiently. This confidential service provides owners access to professional accounting, counselling, legal and human resource experts who understand the challenges faced by small business.
My Benefits Health
Every employee has access to my-benefits health®, the Chambers Plan’s health and wellness site, connecting them to health empowering solutions. Whether it’s finding a family doctor or finding patient assistance programs, my-benefits health helps employees choose the best course of action for their family.
Making Benefits Administration Simple
The Chambers Plan makes it easy to administer your benefit plan. With local support and online tools and websites, we can help you manage your plan quickly and accurately.
The Plan provides you with fast, accurate claim payment. Claims are paid promptly, most within 48 hours, and can be deposited directly in your employees’ bank accounts. Prescription drug benefits can be provided instantly at the pharmacy.
The Chambers Plan’s online utility my-benefits® has all the tools and resources you need:
Receive billing statements online
Enrol new employees
Calculate payroll deductions