Based on recent statistics, there are in excess of 850,000 small businesses with between 2 and 50 employees in Canada. These statistics also indicate that less than 20% of these businesses have a Healthcare Plan for their employees.

Clearly, small businesses represent the largest under-serviced sector of the business community in regards to Healthcare Benefit Plans. Some reasons for this are:

• Traditional Programs have grown beyond the financial means of many small businesses.
• Traditional Plans tend to be complex, not well understood and contain coverage restrictions that are confusing to employees.
• Many small businesses, by nature of their industry or employee mix, are not eligible for certain benefits, or may not be eligible at all.

Traditional Programs are too expensive as you the employer are paying for benefits that your employees never use!

Consider the following:

• Almost 40% of people with dental benefits do not receive dental treatment in a given year.
• Of those who do receive treatment, most incur dental costs of less than $200 per year.
• The average cost for two regular dental visits is about $250 for a child and $400 for an adult.

Let's look at the following example of a Traditional Benefit Plan

Age Dental Services Prescription Drugs Vision Care Actual Cost Amount Covered Traditional Plan Cost* Unused $ Unused % 30 $400 $100 $250 $750 $650 $1260 $610 48% 40 $400 $150 $250 $800 $690 $1260 $570 45% 50 $400 $200 $250 $850 $730 $1588 $858 54% 60 $400 $300 $250 $950 $810 $1866 $1056 57% * Typical cost for a Traditional Benefit Plan with 80% coverage on dental and prescriptions and $250 maximum on prescription glasses or contacts within a two year period.

In the above example an employer is paying $1,260 for $650 in benefits for a 30-year-old employee. That's 52 cents return for every dollar spent on benefits. In years where vision care is not used, the employer is only getting a return of 32 cents for every dollar spent!

Why Choose Accerta?

AccertaChoice is the smart choice for Small Business. With an Accerta benefit plan, you only pay for benefits used by your employees plus a small administration fee. Using the same example, an employer would get 91 cents worth of benefits for every dollar spent in either year.

AccertaChoice provides a flexible, cost-effective alternative to traditional employee benefit plans. There are no surprise rate increases and no arbitrary limits on coverage. Best of all, unused contributions stay in the plan, unlike a Traditional Plan where unused premiums are kept as profit by the insurance company.

Who Qualifies?
Any company qualifies, regardless of size.
Any person can be covered and no medical exam required!

Tax Savings**
Achieve significant potential tax savings! Accerta will help you design a benefits plan that is cost effective for you and complies with tax regulations, while providing your employees with a non-taxable benefit.

**You should seek the advice of a tax professional to determine your business's eligibility for tax deductions.

Small Business Big Savings Members are entitled to a 10% discount off all plan fees