Ensure
employee applications for benefits are properly completed
and submitted on a timely basis.
Follow
up with employees and inform them of the consequences
of a late or incomplete application.
Confirm
employee elections in writing or electronically.
Where
coverage is waived, ensure a signed waiver has been
completed and retained in the employee’s file.
Periodic
administration audits can reveal sloppy benefits administration
practices that could result in employer liability.
Audits
of ASO arrangements can ensure the administrator’s
practices are both consistent with the benefits promised
and legally compliant.
Review
current insurance contracts to ensure that adequate
indemnification provisions exist to capture negligent
actions of benefits adjudicators and providers.
Ensure
benefits promises in collective agreements, booklets
and other communications are consistent with the coverage
provided by the underlying insurance policies.
Taken
from Employment Benefits News Canada – January/February
2006 Source: Hicks Morley
THE
NEXT STEP IS YOURS. TAKE THE FIRST STEP ON THE
RIGHT PATH.
