Leading the Way in Group Benefits Consulting Across Ontario Since 1976

Mosey & Mosey is a leading-edge consulting firm providing advice on employee group benefits to Ontario’s public sector employers for 50 years. Representing more municipalities in Ontario than any other employee benefits consulting firm, Mosey & Mosey is recognized as a leader in the industry. Our vast experience in managing municipal and public sector benefit plans gives us a unique understanding of the challenges that public sector employers face in dealing with council, boards, collective agreements/union negotiations and budget restraints.

Our legacy as innovators in program management has made us one of the leading choices for public sector employers across the province of Ontario. Our commitment begins with the most qualified and experienced personnel in the group insurance marketplace. 

Mosey & Mosey offers a focused, client driven team who have proven their ability to deliver complex program management. Working together with senior management, we assist in defining a short term and long-term benefit strategy by conducting a thorough review of the current plan design, insurance contracts, collective bargaining agreements, cost sharing and current funding arrangements. In addition, Mosey & Mosey has the unparalleled capacity to benchmark a client’s existing benefits levels, premium rate structure and expense levels with those provided by comparator organizations; this benchmarking strategy has assisted numerous municipalities in planning the ongoing direction of their benefits program in relation to compensation and other human resource objectives.

All employers have a tough balancing act providing competitive benefits to retain valuable employees while at the same time managing long term costs within their budget parameters.

Recognized as a leader in the municipal marketplace, Mosey & Mosey is pleased to serve as the trusted advisor for the province-wide LAS Employee Group Benefit Program, in collaboration with the Association of Municipalities of Ontario (AMO) and Local Authority Services (LAS). This strategic initiative is a testament to our commitment to enhancing the financial and operational efficiency of municipal administrations across Ontario.

The LAS Program is designed to leverage the collective buying power of municipalities to access the group benefits marketplace with preferred pricing, rate guarantees, and superior contractual terms. This approach not only ensures competitive pricing but also offers stability and predictability in benefits planning and budgeting for municipalities.

The primary goal of these consortium plans is to secure volume discounts, increase non-medical evidence maximums for group life and long-term disability, and reduce administrative costs. These savings are facilitated by the collective premium levels of the plan, allowing individual municipalities to benefit from economies of scale that would be unavailable on a standalone basis.

An essential aspect of the LAS Program is maintaining each member's autonomy regarding their specific plan design, especially for those with collectively bargained agreements. This autonomy ensures that despite being part of a larger group, each municipality can tailor its benefits package to meet its unique needs and demographic challenges. Costs for each participant are calculated based on their plan design, employee demographics, and claims utilization levels, but are moderated by the overarching consortium discounts.

For more information, learn about the LAS Employee Group Benefits Program.