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Group Benefits Guelph… Train Insurance Services Inc. is an independent insurance broker, specializing in innovative, tailored employee group benefit plans/solutions, balancing essential needs and cost containment, to ensure plan sustainability.

Benefits of First Class Service

Operating from Guelph, Ontario, Train Insurance provides innovative expertise and experience in designing and implementing Customized Employee Group Benefit Plans for employers of all sizes, helping them to manage change and control costs.

About Train Insurance

Train Insurance Services Inc., an independent insurance broker, was established in 1989 by local entrepreneur, Stewart Train. We are dedicated to working with employers of all sizes to ensure they have options and solutions to provide tailored Employee Group Benefits Plans within their resources. We seek long term relationships with our clients and strive to provide the best solutions for our clients’ insurance needs.

Today, operating and ensuring the productivity of a company involves attracting and retaining talented productive workers, caring for employees’ physical and mental well-being, managing change and controlling costs. We provide solutions encompassing these concerns and considerations.

We are specialists in ….

• Customized Employee Group Benefit Plans/Solutions
• Accountability to our clients
• Personal, caring service and support
• Establishing long term client relationships

Stewart Train, a Group Benefits Specialist, and Owner of the business, has been a Guelph resident his entire life.  He joined the Insurance Industry over 30 years ago and has amassed a wealth of knowledge during this time.  He brings integrity, loyalty and a proficient, straightforward approach to establishing long-term client relationships.

 As an independent broker with access to all insurance carriers, we work with you to source and implement a customized employee group benefits plan that meets the values, the needs and the resources of your company.  We ensure ease of administration, timely payment of claims and supportive service to our clients.

When implementing, moving or changing an employee group benefits plan, we are committed to establishing a foundation on which to ensure our clients have exactly what they need. As the owner of the group benefits plan, you are in charge, you make the choices, you establish your plan basis.

The ABC’s of our approach…

A  We listen and pay Attention to you

B  We Build tailored employee group benefit plans

Benefits Offered

Flexibility of plan design is paramount to each and every company.  We ensure that you have a tailor-made package for your company, that plan sustainability is guaranteed through cost containment strategies, and that plan alternatives are presented to you as your company changes.

We often hear statements… Our costs just keep going up…  I didn’t know I could do that… I didn’t know I had that choice. You do… you drive the plan! Educating and leading our clients through the questions and challenges is paramount.  We work for you to make recommendations and guide you in making informed decisions.

Available Benefits

 Conventional Group Benefit Plans:

• Life Insurance

• Critical Illness Insurance

• Short and Long Term Disability Benefits

• Health and Dental Benefits

Funding Alternatives:

• Refund Accounting (the plan provider shares in surplus premiums)

• Administrative Services Only Plans (ASO)

Other Benefits:

• Health Care Spending Accounts

• Cost Plus Programs

• Employee Assistance Programs

• Individual Life/Mortgage Insurance

• Executive Benefits

• Group RRSPs

Train Insurance Services Inc. has consistently provided thorough and innovative group benefit advice and service to us for over ten years.   Stewart Train brings the knowledge and support needed for our organization, to ensure cost-effective, meaningful coverage for all of our employees.

A recent full plan review and market analysis resulted in a carrier change, after eight years with our prior carrier.  The decision to change carriers was made based upon cost effective long term coverage.  The recommendation to make a change provided extremely positive results.

Our team enjoys excellent communication and service from Train Insurance, and would highly recommend their services.

CEO Service Industry – Guelph

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Here are a few things I have noticed and grown to appreciate over the 8 years we have been dealing with you…

The service is always prompt, comprehensive, personal and cheerful.

While we are a micro business with a small staff complement, in dealing with you, I’ve never felt like we were a “small” account.

President – Guelph Management Services Business

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We are a small company… can we afford a Group Benefits Plan?

The simple answer to this question is YES.  There are options available to every employer, which can be tailored to both their needs and their budget. Exploring options and costs is the first step to ensuring the health and well being of both owners and employees.

What expenses can I claim under my Group Benefits Plan, my Health Care Spending Account or my Cost Plus Account?

For a list of legally reimbursable medical and dental expenses refer to Canada Customs & Revenue Website – http://www.ccra-adrc.gc.ca/ – go into “forms & publications” – download interpretation bulletin IT519R2 

When must an employee enroll into the company’s Group Benefits Plan?

All employees meeting plan eligibility, as outlined under your plan (ie. actively working X hours per week, after X months of employment) must be enrolled in a group plan within 30 days of eligibility.  An employee can choose to waive health and/or dental coverage only if he/she has coverage under a spousal plan, but must be enrolled within 30 days of eligibility for all other benefits.

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