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

Extended Health Care
Dental Icon
Dental
AD&D
Group Life
Dependent Life
Optional Life
Short-Term Disability
Long-Term Disability
Travel

Supplementary Benefits

Optional Life
Virtual Care
Medical Second Opinion
Optional AD&D
Health Care Spending Account
Flexible Stop Loss Options
Critical Illness
Employee Assistance Program
ASO Self-Funding
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

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.

Funding Alternatives

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.

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.

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.

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.

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What RWAM does to protect your plan

The insurance industry devotes significant resources to reducing benefits fraud. Sophisticated programs for identifying patterns of fraudulent behaviour are continually developed to limit costs and increase the chances of recovery.
To ensure we are only paying for legitimate claims covered under your employee benefits contract RWAM:
Conducts provider and patient audits
Investigates suspicious claims or patterns
Checks credentials of paramedical providers to ensure legitimacy

How you can help protect your plan?

As a plan member, you also have a role in helping to prevent fraud. To learn more about your role in fraud prevention visit the Plan Members Protecting Your Plan page.

Report Fraud

If you are aware of or suspect insurance fraud, contact the RWAM Special Investigations Unit:
By phone 1-888-742-7926 ext. 4807
Fraud can also be reported to insurers via the Canadian Life and Health Insurance Association Report Fraud webpage.