What Our PHSP Clients Say
For more testimonials, go here.
"
I have found the service offered by the Trusted Advisor, June Borle, to more than meet my expectations. The ease in which she has guided me through this client-friendly process and the quick and thorough response to my questions has impressed me. As well, the reimbursement has always been made in a timely manner. I also very much appreciate the tax benefits."
--Joanne Duma
Sole Proprietor
"I am pleased to provide you with our company's testimony of the benefits we have enjoyed as participants in a health and welfare trust. Beginning with the ease of registration and continuing with the streamlined and straightforward claim process, we have been universally pleased with the system as well as the speed with which our claims have been processed. Add to this the fact that all payments have been accepted by the CRA as deductible to the company without being taxable to the individual."
--Roy Rootes
Kaleidoscope Investments Ltd.
"This is our third year using the Robinson Group for our Health and Welfare Trust. The Trust allows us the flexibility to offer appropriate coverage for different employee groups and the employees benefit from the non-taxable nature of the benefits. Thank you June, for your advice and support."
--David Morris
SSI Sustainable Solutions International Partners
"As the accountant for Hodgkinson Equities Corp, I am very satisfied with the Health & Welfare Trust program offered by The Robinson Group. Our company can get 100% deduction for the expense, while all benefits are non-taxable to the employees. For many people, setting up a health & welfare trust is more cost effective than purchasing extended health insurance. I found the claim process very easy and reimbursements are received on a timely basis."
--Mathew Wong
CA,CFA, CPA (WA State), CFO, Hodgkinson Equitites Corp.
"The Robinson Group Inc. and Trusted AdvisorTM Inc. have retooled our overall group insurance benefits platform. We received the following results:
- Instantaneous savings of 25% on the portion of coverage that was left with insurance companies.
By restructuring these benefits we ended up with not only cost savings but a better tax structure for both the company and the employees."
--James C. Wilson
President & CEO, Active Chemicals Ltd.
"Our experiences after the first full year are:
- Employees received enhanced benefits over the previous group plan.
- At the end of the first year, we experienced an excess of 50% of our cost left in the Health & Welfare Trust account.
- In the second year, we were then allowed to expand the employee benefits.
- The company has achieved cost control.
- We attracted new employees to our organization because of our Health & Welfare Trust."
--Susan Rafter, CHRP
Vice President & General Manager, False Creek Surgical Centre
"After our first year of experience with a Health & Welfare Trust I would say that it has exceeded our expectations. From a corporate point of view we are left with a substantial surplus in plan.
The employee group has been offered a whole new set of benefits they did not have in our previous group insurance program, such as eyeglasses etc."
--Bernie Bennett
C.E.O., Target Marine Products
"I can't believe that over many years a health and welfare trust was never suggested by my accountants. Until my own physician suggested it to me I had never heard of such a trust. Now I can't believe the benefits. Even though I have a good extended benefit plan, non-covered health costs and high deductibles for provincial drug coverage have made our trust very worthwhile."
--Robert C Offer MD FRCPC
Rheumatologist, Penticton BC
"I am very pleased to provide you with a testimonial for your Health & Welfare Trust. I found you to be extremely knowledgeable, courteous and prompt in setting up my Company's Health & welfare Trust. You explained all aspects of it to me and followed up with e-mails and phone calls to make sure that I understood everything. I found both the enrolment forms and the claim forms easy to complete. My claim was paid promptly."
--David Watts
Notary Public
"To set up a Health & Welfare Trust is easy and no hassle as the Advisor is so efficient and proficient. Realtors working as independent contractors would find a Trust to their benefit more so than a supplementary medical insurance plan as most of the medical expenses incurred by their family members under the Trust are totally tax-deductible from their business income. It is all legitimate under the tax regulations. The starting cost is minimal compared to the tax benefits you will enjoy."
--Gene S. Chan
Associate Broker, Park Georgia Realty Ltd.
"I have been sending those of my patients who are self employed with a small business, information on the services provided by Trusted Advisor. This service allows them and their employees unlimited access to all my dental services without the many restrictions imposed by dental insurance companies. The procedures are tax-deductible, an excellent advantage for the employer, and are a non-taxable benefit to the employees."
--Dr. Vincent Hartloper
Enamel
"June Borle from the Robinson Group enrolled our small business into the Health & Welfare Trust program a few years ago. The service provided by June has been excellent and the simplicity of submitting claims couldn't be easier with quick, prompt turn around in receiving our reimbursement."
--C Wener
Monteray Estates Ltd
"I came across your name in one of the magazines where the website was given. I reviewed your website and found the website nicely organized. The flow of information was very useful and easy to understand. I managed to make my decision to form the trust after going through the website. The service of the trusted advisor was prompt and excellent. The enrollment procedure was simple and easy to follow. The process of submitting claims and reimbursement is very effective and done in a timely manner."
--Abdulaziz Harji
A. B. Harji & Company, Certified General Accountants Professional Corporation
"This is to thank you for your guidance and help in establishing our company group Health & Welfare Trust. The clarity of your explanation simplified the enrollment, and it will ease filing for claims. We all appreciate the program and we believe that this business tax-deducted, non-taxable benefit to employees is a win-win situation for all."
--Karel V Galland
ECOfluid Systems Inc.
"Just to let you know that I have found working with the Health and Welfare Trust program very easy and that the service provided has been exemplary. The simplicity of the whole process makes it very easy to use and my Trust Advisor has answered any queries immediately. After the submission of a claim, reimbursement has always been timely and I have never had any problems using my submissions as a tax deduction."
--Dr. Susan Higginbottom
"June is an absolute joy to have contact with every year come tax preparation time. She has passion for her work and it shows. Her caring and thoughtful guidance and suggestions I have to say is a relief for me, everything is so much simpler with June! Reimbursements have always been accurate and prompt. She is kind, orderly and has a great sense of humour."
--Marlise
Bob Buckley Productions Ltd
"I have been using a private Health & Welfare Trust for several years. I enrolled through June Borle at The Robinson Group and that was a very simple process. The service has been excellent and reimbursement of claims is prompt. My wife and I are the sole shareholders and employees of my company and we are both in excellent health. Overall, I estimate that I save about $5,000 per year as compared with the group plan that I previously subscribed to."
--Philip J. Jones
Associate Counsel
"Working with June has been a pleasure. I have been involved with Health and welfare trusts in the past but have not always had the best service once enrolled. I was referred to June by a mutual client and was already impressed from the get go. June explained everything to me very clearly and answered any questions concisely without making me feel "sold."
1. Service of Trusted Advisor
2. Ease of Enrollment
3. Simplicity of submitting a claim/timely reimbursement
4. Business tax-deduction"
--Michael Boschitsch, CGA
President, Misam Canada Group
"We undertook to install a Health & Welfare Trust in 2002.
Over the last four years our experience has been:
1. Our overall costs have gone down dramatically
2. We have developed a significant positive account balance
This has allowed us to:
1. Enhance the benefits offered to employees because of surpluses
2. Lower our monthly outflow cost for insurance premiums"
--Grant Block, CA
Partner, Davidson & Company
"Our company would like to thank you personally for your outstanding help and assistance in establishing the Health & Welfare Trust for our company. We wanted you to know that the trust documents and claim forms were mailed to the Calgary office of Hub Financial on November 24, 2003 and the employee reimbursement was received by direct deposit on November 27, 2003."
--Glen J. Pirie
President, Bond Properties Inc.
"I am pleased to recommend the Health & Welfare Trust Services of Hub Financial Inc., represented locally by Ms. June Borle of the John Robinson Group Inc. The assistance provided by Ms. Borle in explaining the basics of this newer but not well known alternative to secondary private health insurance and the initial assistance in filing a claim for reimbursement of expenses were exceptional for this industry."
--H.E. Richman
C.E.O., X L Properties Inc.
"We at Pioneer Distributors Ltd. have for over three years provided the ownership and staff a comprehensive medical plan by way of a Health & Welfare Trust. Prior to that we at times were without a plan and also used Blue Cross at one point. We are very pleased with the overall concept of the Health & Welfare Trust and the administration of it by Hub Financial along with The Robinson Group Inc."
--George Klukas
President & CEO, Pioneer Distributors
"I was not familiar with the concept of a Health & Welfare Trust when the services of Trusted Advisor were recommended to me by a medical professional. As a self-employed individual, I did not believe that the benefits of group health insurance common in the corporate world were available to me in a plan that was both efficient and cost-effective. June Borle of the John Robinson Group was most helpful in explaining the plan to me and the set up process couldn't have been easier."
--Robert Blair
Blairmore Enterprises Inc.
"We have been contributing on a monthly basis of about 1/2 of what we used to pay in premiums under our old plan and yet can include many more items not refundable under the old insurance plan. Even with the expanded number of items that can be claimed for reimbursement we are increasing the money in our deposit account on a month by month basis. Payment of claims is very reliable with the average turn around time being about 2 weeks."
--Cliff Vermette
Vermette & Co., Barristers & Solicitors
"With the help of "The Robinson Group Inc." we switched our employee benefits from a group insurance medical and dental plan to a health and welfare trust. Our company was able to save a significant sum of money in the first couple of years. This is money that we can keep to fund our employee's medical and dental needs for future years instead of increasing the margins of our previous group insurance provider."
--Ronald M. Wirth
Controller, Target Marine Products
"My health and welfare trust has been a marvelous addition to my office benefits package. It is a superb tool for enhancing management of health expenses within the business context. The Robinson Group has been excellent to deal with in both setting up and managing the trust. This has been a great addition to my business, my family and my employees."
--Catherine A. Sas, Q.C.
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