Fresh Strategies. Strong Benefits.

Our goal is to provide you with an advanced analysis of your current plan and provide you with the right advice that can make a significant difference to your operation.

As industry evolves, your benefit plan should be a reflection of your current business plan and corporate philosophy.

At CORE benefit consulting ltd., we can assist in providing you with a properly managed plan.

Test of your current rates and expenses through a market survey
Comparison of your plan design and expenses to similar groups of your size
Funding alternatives for your experience rated benefits
Disability and WorkSafe claims management strategy and solutions to prevent and mitigate WorkSafe premium penalties
Organizational Health Risk Assessment

Our Products & Services


Plan Performance

Plan performance monitoring is essential to ensure proper management of your benefit plan.

Flexible Benefits

We provide tailored flexible benefit solutions, within the desired budget, for our clients with as few as three employees.

Leadership Team Benefit Plan

A competitive leadership benefit plan is a tax efficient tool that helps to attract and retain your key personnel.

Guaranteed Coverage Without Medical

Guaranteed Standard Issue (GSI) provides our clients with an ability to add individual policies without the need for medical evidence.

International Benefits

If you are a multinational employer with employees in more than one country, we can help you tailor a benefits solution to meet your particular needs.

Multinational Pooling

Multinational pooling allows multinational companies to benefit from favourable insured claims experience on a worldwide basis.

Critical Illness

Medical advancements have significantly improved an individual’s ability to survive a wide range of life-threatening diseases.

Core Wellness

Employees thrive when encouraged, and organizations flourish when their employees are motivated and engaged.

Meet Our Team

Richard Desroches


Focusing on the big picture. As benefit trends evolve, Richard finds the balance between benefit wants, needs and budget, tailored to each customer with thoughtful strategy. With commerce education, claim administration, underwriting, Account Executive and consulting background, plus Group Benefit Associate (GBA) and Health Insurance Associate (HIA) designations, Richard uses the group benefits experience he has gained since 1986 to decipher renewal methodologies, enhance the benefit plan experience, and optimize the value of a benefits program offering. Alternative funding arrangements, international benefits and grouped individual policies are explained, making your benefit plan more efficient and robust.

Carmen Cucu

Manager of Operations

Benefits require analysis and negotiation. With a thorough understanding of carrier underwriting, Carmen excels at new business and renewal negotiations. Whether it’s a benchmark of plan design or claims experience, plan alternative pricing, or a full market survey, Carmen summarizes results in a detailed report that’s easy to understand, and thoughtfully customized for each client. Carmen has gained benefits experience since 2000 and obtained Certified Employee Benefits Specialist (CEBS), Associate Customer Service (ACS) and Associate Insurance Agency Administration (AIAA) designations to support her in providing you with quality analysis and negotiations.

Maxwell Cucu

Account Manager

It’s all about the customer experience. As our Account Manager, Maxwell is always up for a challenge when benefits get complicated. Plan implementation, resolution of claim issues, contract review and interpretation, and administration guidelines are extremely important parts of any successful benefit plan. Maxwell unwinds complexity and presents all of your options. Maxwell’s Bachelors of Business Administration (BBA) education and group benefits experience since 2018 provides you with the experience you need to understand benefits. Maxwell quickly becomes an extension to your Human Resource department and advocates on your behalf to ensure that you get the best value from your benefit plan.

Latest Updates From News & Insight

“There is no one else I would consider using as a referral source to handle benefit planning for my clients!”

Trent Abbott, CHS RHU
President, The Legacy Group

“They are fast, precise and sincere with all their clients and partners.”

Earlie Yeun
Complete Brokerage Services Inc.

“Their expertise and service is second to none in the industry.”

Dan Loney, President
Loney Financial Corporation

“I’ve trusted CORE benefit consulting with my group benefit business since 2008 and I continue to be impressed with their level of service and expertise. They are extremely proactive, very responsive and an absolute pleasure to deal with.”

David Mason, CLU, CFP, CHS, CIM
Donnelly Advisors Group Inc.

“They truly understand the consultative model that focuses on asking the right question.”

Steve Herman, Principal
Trutina Financial

“They are prompt, courteous, friendly, and always ensure our needs are met.”

Laura Eby, Manager of Operations
Association of Yukon Communities

“I would highly recommend CORE benefit if you are looking for a true partner in your benefits programs.”

Amber Jordan, Director – Human Resources, Communication, & Training
Western Concord

“They come up with optimal solutions to fit unique circumstances.”

Barb Wong, Human Resources Manager

“Great value – both to employees and the employer.”

Mary McDougall, President
Trellis Seniors Services

“The Core team is amazing to work with from a client service perspective and plan governance and performance standpoint.”

Mark Brennan, Director, Human Resources

“If you are looking for worry free service, savings and less administrative work we highly recommend engaging CORE benefit.”

Jeremy D. Martin, Managing Partner
Carfra Lawton LLP Lawyers

“They are highly knowledgeable about their services, provide timely reporting, and offer creative options and solutions.”

Tracey Wilson
VP Human Resources