Beneplan manages a co-operative buying group, which sources employee benefit plans at the lowest cost possible. It is operates similar to a Canadian captive for group benefits. The Beneplan Co-operative is a member-owned and governed organization, which uses its volume purchasing power to obtain low fees and refund of premium on group benefit products. Refund of insurance surplus takes place in the form of patronage dividends, using the following cost-recovery sources: - Health & dental benefits surplus; - Sales tax rebate; - Life insurance and LTD surplus; and, - Drug rebates from the manufacturers. Beneplan unlocks excess profit from the insurer marketplace and pays it to its member-owners in the form of patronage dividends. Beneplan works with companies with 20-1000 employees. Beneplan adds greater value through the following services, at no cost to member-owners: - Best-in-class client care and service - Drug Advocate on staff - The Compassionate Drug Assistance Program - HR Consulting, templates and advice - Short term disability adjudication on ASO - Integration with SUB programs for STD - Paramedical fraud detection and solutions - Solutions for excessive dental billing (certain over-used codes) - TPA functions: billings, administration, service, etc - Cost-Plus claims - Captive formation and captive management