How We Work

The Benefits Process

We understand that each employer and set of employees is different.

Differences range from size, number and types of location, operations, payroll methods and Human Resources practices.

From the beginning, SF&C works with you. We take the time to understand your members’ needs in order to customize a Voluntary Benefits package that fits your needs and those of your employees/members.

After designing the benefits package, SF&C will propose the most effective and least intrusive combination of enrollment strategies.

These could include one or more of the following: group and/or individual meetings, Lunch and Learn sessions and Benefit fairs. Ideally, SF&C and your Human Resources Manager together will decide on the strategy which will be most effective for your group.

Our Benefits Representatives will work with your members/employees individually and/or as a group, according to each one’s schedule.

They go to great lengths to understand each person’s insurance needs, goals and budgets prior to recommending a program, which the Representative ensures is fully comprehended prior to closure.

Once the enrollment process is completed, our work has only just begun.

SF&C makes customer care a top priority. Using our toll-free number, your members/employees have access to our Customer Care Representatives who will assist our clients by answering questions regarding benefits, make policy changes and file claims.