At Ciccone McKay, we help companies of all sizes determine the employee benefits program that best meets the requirements of the business.
Working with the industry’s major insurance providers, our focus is on innovative strategies and long term cost containment. As business owners know, government cutbacks in health care and employee utilization trends have traditionally lead to steadily increasing employee benefit costs. It is our goal to anticipate these cost-driving factors, and to implement innovative solutions that do not compromise the quality of the benefits program.
It is our role to truly understand the details your plan coverage design and financial structure, so that if your needs change, we will be able to help you adapt your plan accordingly.
The Immix Group, sister company to Ciccone McKay Financial Group, was created specifically to handle employee benefits programs. Founder Anthony Ciccone has had a long and successful career as an investment, insurance, and estate and succession planning advisor.
In the course of this work, Anthony helps companies develop their financial strategies, including the all-important benefit programs. Anthony recognized the need for more specialization – the need for a separate, independent company with an exclusive focus on benefits.
Please call us at 604.688.5262 for more information on how we can help you with your group benefit needs.
Ciccone/McKay will work with you to determine a solution that fits into your lifestyle and your financial plans, while determining the right type and the right amount of insurance.
Ciccone/McKay can provide a full range of employee benefit products including:
We can help you to design the appropriate menu of benefits for your company, based on the size of your group, your industry, and the needs of your employees.
We will ensure your plan administrator and employees are informed and aware of the benefits provided to them, and that they understand and utilize the various services and programs that membership in an employee benefits plan can provide.
In implementing an employee benefits program, cost is a primary concern for all our clients. We strive to ensure that our clients understand the pricing of the plan, and that the annual adjustments to the rates and premiums are a true reflection of the composition of the employees and the utilization of the plan. We believe that employee benefit plan pricing should be understandable and transparent.
We believe that when it comes to pricing, the insurance company is primarily a supplier of a product; it is easy for an insurance carrier to offer low rates and premiums in the first year, and generally, they are able to accommodate the particular menu of benefits you desire. Our role goes beyond putting together the right coverage; we help you implement a plan that also utilizes long term cost-containment strategies that will keep the cost in line year after year.
In designing a benefits package for our clients, we ensure the needs of the employees are met, while also considering the necessity for the employer to contain the cost of the plan, while offering benefits that are competitive within the particular industry of our client. Often, in examining your existing plan design, we are able to suggest "invisible" changes that can help reduce the cost, without "visibly" reducing the benefits.
In designing a new plan, we pay special attention to the long-term disability benefits our clients implement for their employees. It is our role to ensure the coverage accurately reflects the skill level of the employees, and that the definition of "disability" is appropriate. As well, we may suggest additional programs or strategies to ensure that the needs of key people are properly addressed.
It is important to us that the plan administrators and plan members understand and utilize the benefits we implement. We will conduct employee meetings both at set up of a new plan, and every few years thereafter, to ensure the plan members continue to understand the valuable coverage provided by their employer.
In implementing a benefits program for you, we ensure you are able to take advantage of the administrative systems and training programs that help a plan to run smoothly and efficiently. As well, as part of our goal to help your plan run smoothly, we will conduct an employee meeting in order to allow your staff the opportunity to have their benefits explained and their questions answered.
It is our role to ensure that you, our client, receive prompt, accurate and quality service from the insurance carriers with whom we work. We have built special relationships with many large insurance carriers in Canada, and believe that the people we work with are the best in their field.
We ensure that every step is taken to avoid potential problems from occurring, and if an undesirable situation does arise, we ensure that we are directly involved in making sure the problem is resolved to your satisfaction.