About

Specialization

FBS takes a different approach to employee benefits. For starters, we recognize that we can't be all things to all people, so we stick to the philosophy of specialization. Our sole focus is on benefit solutions for small and mid-size businesses in Ontario. 

New Age Benefits

The benefits landscape is constantly evolving - shouldn't your employee benefit plan evolve as well? FBS gives you and your employees access to the latest benefit trends, innovations and technologies.

Independent

FBS takes  pride in the fact that we have relationships with a variety of insurance carriers to find the best fit for our clients. Insurance carriers offer a variety of plan design options and funding models, which we can match to your organization's philosophy and goals. 

Education

Plan administrators really see the value in working with FBS from an educational standpoint. PA training sessions and ongoing PA support are offered to ensure roles and responsibilities are understood and corporate liabilities are reduced.  Our PA Resource Centre has been created for plan administrators with useful links, tips and reminders. 

Plan members also benefit from employee training sessions where we discuss things like benefit plan details, how to claim, coordination of benefits, benefits fraud, etc.  Employees can visit our PM Resource Centre  to get a better idea of how their plan works, where to claim, etc.

FBS also makes the commitment to continue our own professional development. As the benefits landscape continues to evolve, we commit to keeping you up-to-date on the latest industry trends, technologies, products & services. 

Plan Management

Have you ever been surprised with a large rate increase at renewal and had no idea it was coming? You're not alone. FBS takes a different approach by constantly monitoring/managing your plan and keeping constant communication throughout your policy year.  Drug plan management is essential with the increasing trend of high-cost prescription drugs on the Canadian market.

Price vs. Value

Can FBS save you 10-15% off your current rates? Sure, any insurance broker could. The key is to make sure we have a plan that sets up your organization for sustainable long-term success, which includes fair pricing.  

Ask about our 'Price vs Value' tool to make sure your plan is priced fairly. Let's build a sustainable plan for long-term success.

Liabilities

As a plan administrator,  you have quite a few responsibilities when managing a benefits plan and with that comes potential liabilities. We work closely with you to make sure you have the tools needed to streamline the process and reduce your corporate liabilities.

Transparency

As the plan sponsor, you deserve to know what you are paying for. At FBS, we disclose our compensation structure with clients because we want to make sure they are confident  getting the value from our services. 

How much are you paying your advisor for their services?