Employee Benefit Services
Looking to set up a new employee benefits program, audit your current offering or completely rethink your program design? Dave Musgrave and the team can help you every step of the way.
We understand that your employee benefits package does more than just help your employees. It serves as an essential part of your compensation package, helping attract and retain top talent. Let us guide you through the employee benefits design, implementation and management process.
Dave Musgrave has served Calgary and Western Canadian companies for over 20 years. Our goal is to redefine how you think about employee benefits and to change your expectations for insightful, responsive and proactive service.
Meet Dave Musgrave
Senior Benefits Strategist
With over 20 years experience, Dave guides small and mid-sized companies to setup, refine and re-imagine their employee benefits programs. His goal is to help you make strategic investments that benefit you, your company and your employees.
Where Are You In Your Benefits Journey?
Your First Benefits Program
You’ve grown your business to where you’re considering an employee benefits plan. You know employee benefits are an important tool for retaining and attracting talent, but you’re not sure if you’re ready.
Refining Your Benefits Program
You’ve had an employee benefits program for several years. You’ve gone through two or three renewals, making minor changes, but you’re not sure if you’re missing out or if you’re getting full value from your investment.
Re-Imagining Employee Benefits
You were a completely different company when you set up your benefits program. You’ve experienced dramatic growth and change since then. Given how much you’re investing, you’re wondering if it’s time to re-imagine your approach to benefits.
Everything I Needed for my Business Insurance
I was referred to Dave after being WAY oversold by another consultant. Dave tailored us an economical solution that I am very happy with. Next, we set up a more functional health benefits program for our staff. Dave’s team took care of everything and still jumps to action every time I have a question or concern. I highly recommend Dave Musgrave.
David Barwise,
DS Security Solutions Inc.
Our Clients Say It Best
Read what people say about us.
Professional, Knowledgeable, Client Focused – Ultimate Service
Very professional and knowledgeable. Always cheerful, helpful and on top of things. Dave makes a point to know his clients, their business and their needs. Any questions or concerns, he’s on it. …Need advice or innovative solutions around employee benefits? Dave and his team are the best.
Lori Paine,
Calgary Seniors Resource Society
Quick, No Fuss, Do the Work for You Type of Guys!
Dave’s always very attentive, quick responding and very informative for all the information our business has required over the past 5-6 years. It would be very tough to find a better provider!
Mark Lobello,
Astra Oil Corp.
Top Notch Service
I have been working with Dave for ten years or more and would highly recommend him. He and his team are very knowledgeable, and the service is exceptional. He truly goes above and beyond to give the best service there is.
Gail Hannon,
Granite Oil Corporation
We have had great service. Dave was most helpful in getting us a plan for our group benefits that fit our small company’s needs and not the insurance companies needs. Follow up has been consistent and the staff are very knowledgeable and most helpful when we need them.
Christine Jonas,
The Nut Man Company Inc.
…As a multi divisional firm the complexities of the HR/Benefits issues that arise are always handled in an expedient fashion. His monthly contact along with ongoing service commitment have lent to an excellent partnership. I have no reservations in endorsing Dave and his team as he is an ardent supporter, advisor and advocate!
Bill Weninger,
Platinum Grover Int. Inc.
Excellent Service from Dave and his Team!
We have engaged Dave and his team for over 13 years for our group benefits program as well as a health and wellness plan. …Dave calls to let me know if our program is still the best option and if not why. He has already done his work before he calls and has different options for us.
Stephen Beach,
Beach Quality Drywall Ltd.
Personal and Involved Service
We have dealt with Dave for several years over two companies. Through start-up to growth phases, they have offered good alternatives for our benefit requirements. Dave and his team have been attentive and flexible in their discussions with us. We appreciate their service.
Heather Christie Burns
Always a Pleasure to Deal With
Dave and his team are very helpful, timely, knowledgeable and courteous. They follow up on any concerns. If they don’t have the answer right away, they will find the answer. Dave likes to chat and has a sense of humour quite like the writer of this review, so one must ensure there is ample time to converse and laugh with Dave during his monthly service calls.
Vista Geomatics
Excellent Customer Service
Dave Musgrave has provided uncompromised service to our firm for the past 15+ years. He is knowledgeable and confident in the service he provides. He is available and if he personally does not know the answer, he will forward the question to a member of his team and the results are quick and efficient. I would highly recommend Dave Musgrave and his team.
Barbara H.
High Quality Service
I have had the pleasure of dealing with Dave for over 14 years. He always looks after us in the best interest of the business. He makes himself and staff available for any questions and concerns. I recommend this business
Angie L.
We have worked with Dave Musgrave for years. … Dave has always had our best interest with respect to our benefits package. Each year he does a comprehensive review, offers advice and balances the cost of coverage with the needs of employees. But more importantly, he and his team are very responsive and helpful. Thanks Dave!
Wanda Murch,
Murch Group
The Best Benefits Company in Town
We are a mid-size construction company. Dave promised exceptional customer service and support, and he has exceeded my expectations. He is in contact with me at least once a month, if there are no issues, and when an issue does arise, he’s even easier to contact. …I now tell everyone I am not interested in moving our business.
Teresa W.
Friendly and Supportive
We have been clients for over 10 years and have found Dave and his staff helpful and friendly. They have ensured we are able to provide the best benefit package for the cost. The proactive calls are one of the things we most appreciate. We do not hesitate to recommend this company.
Kathleen O’Donoghue,
Lidar Services International Inc.
Timely and Professional Insurance, Assistance and Expertise
Dave and his staff have been very professional in the five years I’ve dealt with them. I often get same day responses, but usually the next business day, issues are resolved. If you’re looking for personable, friendly and reliable professional insurance expertise, look no further.
Larry Gaebel,
Wescrete Finishing Ltd.
Friendly, Prompt Professional Responses to Queries
I have dealt with Dave Musgrave for over 10 years as our benefits broker. Dave has always taken care of any issues in the most efficient, professional manner. We get responses very quickly and problems resolved in a timely manner. We are very pleased with the service and overall professionalism of Dave Musgrave and his group. Thank you.
Jane Robertson,
Platinum Grover Int. Ltd.
Dependable, Courteous and Reliable
I have known Dave Musgrave for over 10 years, as our Employee Benefits’ Specialist Partner. I have found Dave to be very dependable, reliable, hard-working, conscientious, and courteous. He will go to great lengths to source the best benefit program for our employees on an annual basis. He is highly knowledgeable and very responsive to questions. He comes highly recommended.
David O.
Dave is a Super Personable Guy!
Dave has provided benefits and other insurance to our company for about 6 years. He is very attentive to all our needs and requests and does so with a positive and helpful attitude. His monthly phone check-ins with us ensure he is always up to date with our status. We very much enjoy having Dave going to bat for us!
Claire Bourges,
Lifeways of Canada Ltd.
Service with a Smile
We were an up and coming organization that dreamed big with a small budget. Dave met with me personally to discuss our requirements and budget. Because of their dedicated work I was able to offer a comprehensive benefits package without over-extending our finances.
As dollars began to shrink, they worked with us to adjust our package to suit the current market, allowing me to continue providing benefits to our exceptional employees.
Their dedication to client service is unmatched. Dave and his team, work with their clients on a personal level to better understand their unique requirements and respond accordingly.
Daren B.
Frequently Asked Questions
How many employees do need before we set up a benefits plan?
We’ve helped single individuals set up health benefit plans. However, we generally work with companies with three or more employees. That said, if you’re on your own and you need help with benefits planning, we’ll be happy to help.
How long does it take to set up an employee benefits plan?
A normal timeline to set up a new employee benefits plan is 3-4 weeks.
What does it cost to speak with a benefits consultant?
There are generally no fees to pay when working with a benefits broker. Normally services are paid for by your benefits plan provider. There are some exceptions, but there are never any surprise invoices.
Do I have to offer the same benefits to all my employees?
No, you can establish different classes of employees, where each employee class receives a different level of coverage.
May we split the costs with our employees?
Yes, it is very common to cost-share premium dues with your employees. Employer contributions must equate to a minimum of 50% of the extended health and dental premiums and it is recommended employees cover the insured benefits. There are all kinds of different scenarios to consider.
How often do health benefit plans renew? Should we expect our rates to increase at each renewal?
Renewal periods are generally 12 to 18 months. And yes, your rates are likely to change each time you renew to reflect your actual claims and premium funding history, pooling and inflationary factors.
What about special needs employees, will they be eligible and insurable?
There is no universal answer to this question. Each situation is unique, so your best option is to speak with a benefits expert directly. Please call with special needs questions, and we'll outline the best possible solutions to help you.
What financial risks are we taking on if a plan member needs extremely costly treatment?
The short answer is there is some risk to your business. However, you can control your risk with stop/loss insurance, which is standard on most programs to limit your potential liability. Risk management is an important consideration and one best discussed with your broker directly. There are many different scenarios to consider. Please contact us with questions.
Once our benefits plan has been implemented, can we make any changes to the level of coverage?
Yes, changes to plan design can be made with 30-day notice. It's noteworthy to mention, depending on whether the change is an enhancement or reduction to the current level of coverage, these changes will impact pricing.
How quickly can we set up a benefits plan?
Minimal time. Your broker can do the majority of the "heavy lifting". With that said, collaboration is required to ensure the benefits plan being implemented is the "right fit" for your organization, in addition to some "paperwork" (master group application, etc.) for review and signature for the selected insurer.
Get In Touch
We are powered by Hub International
Hub International is a global insurance brokerage that provides comprehensive insurance, risk management, and employee benefits solutions. Founded in 1998, the company serves businesses and individuals with a broad range of services, including property and casualty, personal insurance, life and health coverage, and retirement planning. Known for its client-centered approach, Hub International focuses on tailored strategies to protect clients' assets and support their growth, leveraging local expertise backed by a vast global network.
