What We Do

Our team specializes in the full scope of employee benefits services:

• Health and Welfare - Medical, Dental, Life and AD&D, Short Term Disability, Long Term Disability
• Human Resources - Administration, Technology & HRIS
• Retirement - 401K, Deferred Compensation
• Wealth Management - Financial Planning
• Property Casualty – Workers Compensation, Errors & Omissions, & Cyber Insurance
• Executive Benefits - Disability, Keyperson, Ownership Liability
• Voluntary - Cancer, Accident, Supplemental Life & Disability

We create competitive benefits packages that control overall costs in order to attract and retain industry specific employee talent. The Havern Benefits Strategies team partnership begins with understanding our clients' objectives, gathering critical market data, and creating a process to implement best practices to administer their employee benefit needs.

HBS provides a best in class process to design an employee benefits package that will mitigate increasing company healthcare costs, provide an ongoing level of administrative support, and expertise in a constantly changing market.

Our Client First mentality creates an extension of each client's team, to protect the well-being of their valued employees, efficiently grow the company, provide creative plan and cost solutions.

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Cross-Border Benefits

Our employee benefits team at HBS understands the many challenges for Canadian owned companies trying to design and administer U.S. benefit plans properly from a foreign marketplace. The challenges in the cross-border market require a specialized expertise, direct client relationship, and a global strategy.

HBS begins with a team strategy to navigate through this marketplace to create the optimal benefits package for employee protection and growing your global business.

Download our Cross-Border Benefits Summary (PDF)

The Challenges

• Administering a US plan through Canadian HR with limited US benefits expertise
• The healthcare cost of 1 US employee is equal to 10 Canadian employees
• Canadian advisor is not licensed or qualified to direct the client in the US health and wealth market
• Mandatory underwriting challenges:
  • No US office
  • Multi-state employee population
  • Selecting the appropriate doctor and hospital network
  • Controlling increasing US healthcare costs to the company and employee
• Designing an industry specific US package to attract and retain the right US employee talent
• Remaining compliant with US healthcare reform, and changing mandates

HBS Solutions

• Designing an industry specific US benefits package to be competitive in a foreign marketplace
• Remaining compliant with US healthcare reform, and changing mandates
• Cross-Border expertise and advising directly with the Canadian administration team
• Provide creative funding and plan design solutions to lower annual healthcare cost increases
• Partner with the Canadian benefits advisor, for a team approach globally
• Preferred vendor products and plan alternatives designed to accommodate any employee population in any particular US state
• Monthly travel to Canada to meet clients in person and build a relationship and strategy in the US benefits market
• Our team will keep the client up to speed on any major US reform or changes that will impact them