![Welcome.,Open.,Barista,,Waitress,Woman,Turning,Open,Sign,Board,On](http://www.rwamsandbox.com/wp-content/plugins/revslider/public/assets/assets/dummy.png)
Empowering Your Business with Smarter, Scalable Benefit Solutions That Fit.
Administration Made Easy
One enrolment, one booklet, one bill. RWAM makes it easy to manage plans and members.
Scale & Favourable Rates
Benefit from favourable rates and preferred expenses, regardless of group size thanks to RWAM's buying power and market influence.
Fair Renewal & Rate Stability
A common sense renewal approach means that employers benefit from stability in rates and a personalized touch at renewal.
Simplicity Without Sacrifice
With RWAM there is no need to compromise to ensure the right plan design. Get a custom solution from multiple carriers, all in one contract from RWAM.
Custom & Flexible Onboarding
From traditional to digital, RWAM offers onboarding options to suit the needs of Canadian employers and their employees.
In-House Claims & Support
Real-time adjudication of claims, direct-pay practitioner claims, fraud prevention and in-house member support from our Claims team located coast-to-coast.
A Different Approach to Customizing your Benefit Plan
Multiple insurance providers
Extensive product selection
Seamless group benefit offerings
Onboarding options to suit your needs
Competitive prices
Easy renewals
One contract & one bill for all your benefit needs
Customize to suit your unique needs
Core Benefits
![](https://www.rwamsandbox.com/wp-content/uploads/2024/05/health-1.png)
Extended Health Care
![Dental Icon](https://www.rwamsandbox.com/wp-content/uploads/2024/05/fi_2441105.png)
Dental
![](https://www.rwamsandbox.com/wp-content/uploads/2024/05/health-1.png)
AD&D
![](https://www.rwamsandbox.com/wp-content/uploads/2024/05/disabled-1.png)
Group Life
![](https://www.rwamsandbox.com/wp-content/uploads/2024/05/health-1.png)
Dependent Life
![](https://www.rwamsandbox.com/wp-content/uploads/2024/05/disabled-1.png)
Optional Life
![](https://www.rwamsandbox.com/wp-content/uploads/2024/05/health-1.png)
Short-Term Disability
![](https://www.rwamsandbox.com/wp-content/uploads/2024/05/disabled-1.png)
Long-Term Disability
![](https://www.rwamsandbox.com/wp-content/uploads/2024/05/x30_2_Travel.png)
Travel
Supplementary Benefits
![](https://www.rwamsandbox.com/wp-content/uploads/2024/05/disabled-1.png)
Optional Life
![](https://www.rwamsandbox.com/wp-content/uploads/2024/05/fi_6468563.png)
Virtual Care
![](https://www.rwamsandbox.com/wp-content/uploads/2024/05/disabled-1.png)
Medical Second Opinion
![](https://www.rwamsandbox.com/wp-content/uploads/2024/05/fi_6468563.png)
Optional AD&D
![](https://www.rwamsandbox.com/wp-content/uploads/2024/05/disabled-1.png)
Health Care Spending Account
![](https://www.rwamsandbox.com/wp-content/uploads/2024/05/fi_6468563.png)
Flexible Stop Loss Options
![](https://www.rwamsandbox.com/wp-content/uploads/2024/05/health-1.png)
Critical Illness
![](https://www.rwamsandbox.com/wp-content/uploads/2024/05/disabled-1.png)
Employee Assistance Program
![](https://www.rwamsandbox.com/wp-content/uploads/2024/05/disabled-1.png)
ASO Self-Funding
![](https://www.rwamsandbox.com/wp-content/uploads/2024/05/fi_6468563.png)
Top-Up Travel Coverage
No group is too small for quality benefits
RWAM is a TPA catering to the Canadian employer; offering a simplified benefit experience for small to large groups that take the guess work out of providing extensive coverage to your most important assets - your people.
RWAM has done the hard work for you, providing comprehensive group benefit coverage in pre-made plans like 1two3TM, with optional white labelling to enhance your brand. Looking for more customized options? Work with our expert team to develop a benefit solution made just for you.
Regardless of your size, RWAM's influence and in-house administration, underwriting, and _ ensure you receive the best rates, coverage and protection available.
Small Group Plans
![](https://www.rwamsandbox.com/wp-content/uploads/2024/05/fi_7542080.png)
1two3
The 1two3™ Small Group Plan is designed for 1-5 employee businesses, providing comprehensive benefits including Life, Accident, Extended Health Care, with optional dental and/or long-term disability coverage.
![](https://www.rwamsandbox.com/wp-content/uploads/2024/06/shutterstock_1694388475-1024x683.jpg)
Funding Alternatives
![](https://www.rwamsandbox.com/wp-content/uploads/2024/05/fi_12712397.png)
Profit Participation Plan
RWAM's Profit Participation Plan (PPP) enables employers to share profits from Group Health and/or Dental plans. Participants receive a share of underwriting surpluses, while the insurer covers deficits.
![](https://www.rwamsandbox.com/wp-content/uploads/2024/05/fi_862032.png)
Administrative Services Only
Employers are turning to self-funding benefits, aided by RWAM's ASO approach alongside insured benefits. This streamlined solution offers insurer choice and maintains employee convenience with a single enrollment process and consolidated Benefits Booklet.
![](https://www.rwamsandbox.com/wp-content/uploads/2024/05/fi_7847532.png)
Health Spending Account
A Health Spending Account (HSA) funded by the employer reimburses eligible health expenses, offering tax-effective compensation and budget flexibility while providing employees with more choice.
![](https://www.rwamsandbox.com/wp-content/uploads/2024/05/health-1.png)
ARB/Cost Plus
Cost Plus / Additional Reimbursement Benefit (ARB) arrangements offer employers a solution for supplemental benefit coverage for employees in need.
One Contract & Renewal for Multiple Carriers
RWAM partners with best-in-class insurance carriers and service providers to offer comprehensive and cost-effective employee benefit programs for Canadian employers.
Insert slider of clients logos from homepage here too