The Consulting House

A driving force in the benefits industry for more than 30 years. We develop strategies that enable our clients to enhance their benefits and to control costs. One such strategy is:

Modified Retention

Modified Retention is better than conventional insurance, self-insurance (ASO), Retention or any other form of funding of your benefits program! Under this strategy, you share the rewards of good experience while fully shielded from bad experience.

We promoted this strategy to our clients for many years, until carriers stopped offering it. Due to an increase in competitive pressures, few carriers have started to offer it again and that is why we are including it here.

If you qualify, under this strategy you would have a cap on your maximum benefits costs if claims are excessive (something you do not have under ASO), and you will be rewarded with a share of any surplus that is generated if claims are low. 

Check out our website for a couple of our clients’ testimonials namely Aurora Quarrying & Penegal Trim who benefited very nicely from this strategy.

We hope that we have peaked your curiosity. Give us a call if you would like more information or to set up a meeting.

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