SEB Benefits Division



Health Benefits Administration & Claims Processing Platform: SEB has developed a SaaS/BPO based platform for processing employer and government funded health benefit claims that provides an integrated, end-to-end solution, capable of processing the administration, payments, billing and adjudication of health benefits claims. It totally automates the administration and processing of all benefit types into one environment and provides real-time reporting at the employee/detailed benefit level. This unique, object-oriented rules base platform allows trained administrators, not programmers, to create and implement new rules in minutes, and enhance automation.


Health & Wellness Software Platform: Prevention is more cost-effective than the cure

SEB hosts a content-rich, fully automated delivery environment, providing fact-based, actionable health and wellness data for employees, plan members, plan sponsors and insurers, which educates and provides an automated framework to implement and sustain health improvement strategies. Modules include: Content Library, Health Risk Assessment, Education Modules, 80+ Unique Apps for Managing Health Initiatives, Rewards platform, Personal Health Record, Prevention/Intervention Programs, Real-Time Reporting Wellness strategies are a growing facet of health care, with billions of dollars being spent on prevention/intervention strategies.

SEB Disability Management Platform: SEB has specialized data management solutions and best practices that integrate and automate the administration and decision-making around disability claims, allowing better-informed and faster decision-making. Modules include: a Benefits and Disability Portal, an Absence Management Module, Audit Workflow Module, a Case Management Module, and a Predictive Analytics Module. SEB’s “Best Practices” are embedded in Leading-Edge Technology in programs such as AtworkPro: Incidence/Absence Management, BCMSPro: Claims Management Solutions, and AuditPro: Quality Audit Tool.

SEB Administrative Services is a leading-edge group benefits company that specializes in benefit plan administration and claim processing services to Canadian and international markets. They are unique in that they own their fully integrated technology environment which allows benefit plans to be administered and adjudicated in one environment, where detailed reporting on benefit data is available in real time, subject only to privacy rules.

SEB Administrative Services is a new approach to flexible healthcare plans. They offer a wide range of flexible benefit solutions, designed to meet the needs of every possible client. Their focus is on enhancing the value of plan member benefit dollars - without increasing costs. Their technology-driven benefit solutions are known to provide the most flexible automated plan designs in the industry. Their ultimate objective is to put more control of each Health Care Dollar into the hands of the Plan Sponsor and Plan Member/Beneficiary.

SEB Administrative Services’ fully integrated technology platform manages and adjudicates all benefit types in one technology environment. Administration software is seamlessly integrated with adjudication and reporting, with self-service functionality and data mining capability for customized reports. While the modules operate as a fully integrated system, the administration and adjudication modules can operate stand-alone. Their detailed, real-time reporting functionality is optimum in the context of a total solution implementation.

SEB Administrative Services technology is deployed both domestically and internationally. Internationally, SEB Administrative Services is a technology provider. Domestically, in Canada, SEB Administrative Services uses its technology platform to provide the most comprehensive in-house, Third Party Administrator (“TPA”) services available today in the Canadian market.

Meschino Health & Wellness Inc.:
In 2008, Dr. James Meschino created the On-line Meschino Health Assessment, also referred to as the Nutrition, Lifestyle and Anti-Aging Assessment (NLA), or Wellness Assessment, which has undergone several enhancements and revisions since that date. Overall, the Assessment provides a blueprint for individuals to understand, design and implement individualized health plans so they can take ownership of, and manage their own health initiatives and objectives. The Assessment incorporates specific data relating to age, gender, dietary patterns, signs and symptoms of nutrient deficiencies, along with lifestyle factors that could be contributing to a person's nutrient deficiency. It also takes into consideration current and past health conditions and family medical history. In addition, the Assessment can be married with a comprehensive rewards environment which adds additional incentives for an individual to adhere to the health plans that evolve from the Wellness Assessment. Also, the fully automated “Wellness Platform” provides a platform for employers so they can effectively address the full spectrum of lifestyle issues as they pertain to their employers, and their impact on their bottom line.

Wellness is often not fully understood or executed to address core employer concerns around absenteeism, presenteeism and increased productivity. The Meschino Wellness Program takes a unique approach toward providing employers with the tools and resources to enhance health literacy, creating the conditions for readiness to change, and offering ongoing support to employees in their desire to live healthier and more productive lifestyles. Extensive U.S. research from leading health authorities over the years has demonstrated that $1 spent on wellness adds over $3 benefit to an employer. As such, virtually every large group employee benefits plan contains a significant emphasis for wellness programs along with a budget that supports them.

The Meschino Wellness Platform is unique in its application and can be fully integrated, efficiently and cost-effectively, into any employee benefits plan. The Wellness Platform makes wellness affordable for every type of group benefits plan, small or large. It provides both an automated, analytical and feedback environment for "Employee Wellness”, as well as a fully integrated, automated “Corporate Wellness” assessment where employee information is automatically aggregated and summarized. This information can also be combined with drug data to provide employers the ability to compare expenditures on drugs with the wellness of the employer’s workforce as a whole, and give the employer a perspective on future expenditures. The platform's “Wellness Solutions” are unique in both their rich content and high level of automation, allowing for a low-cost of delivery of content to the employee, thereby offering the opportunity to every group benefits plan, small or large, to implement a high value-added and cost-effective wellness solution for their employees.

Adeeva Nutritionals Inc. is a producer of high-quality, natural health products and formulations directed towards promoting overall health, slowing the biological processes of aging, combating degenerative diseases, and providing adjunctive nutritional support in the case of specific health conditions.

Analytics, implementation, better outcomes. SEB Analytics, through its predictive modeling and advanced analytics capabilities, enables data-driven decisions that optimize claims management, fraud detection, pricing and underwriting. They are a leader in Canada with a track record of 20+ years of assisting insurers, re-insurers and plan sponsors predict and improve outcomes.

Analytics is knowledge discovery. It is the science – and art – of identifying and quantifying patterns and relationships concealed within massive databases. Analytics provides plan sponsors and insurers with new information to better design and manage employee benefit programs – resulting in improved employee health, increased productivity and reduced expense. SEB Analytics brings actionable knowledge to their clients to enable better business decisions. They provide their clients with disability management, healthcare fraud detection, underwriting, pricing, rate-making and plan design optimization. SEB Analytics was created to add predictive modeling and advanced analytics capabilities to SEB Inc.'s suite of offerings, so as to provide solutions that enable data-driven decisions that optimize pricing, underwriting, disability management and healthcare fraud detection.

Co-founder and President of SEB Analytics, Jonathan Polon, is a pioneer in the application of predictive analytics to the life and health insurance industries, and builder and implementer of predictive models for 40+ insurance companies since creating his first business in 2001. Jonathan is highly respected in his field as an innovator and developer of novel mathematical approaches to healthcare fraud detection, life insurance underwriting, workers compensation, disability claims management and inter-company benchmarking. He is also a Fellow of the Society of Actuaries and has 20+ years of experience in various aspects of the insurance industry.

SEB Benefits & HR Consulting Inc.'s four Operating Shareholders collectively have 100+ years' experience providing employee benefits and HR consulting services focused on benefits program re-design, actuarial underwriting, risk management solutions, health and productivity, wellness and mental health strategies, absence and disability management, worker compensation and disability claims audits, HR, and total rewards solutions. The Operating Shareholders have extensive client relationships and client references on a national basis, including federal government, provincial government, several of Canada's largest municipalities, and a number of Canada's major corporations and associations. Additionally, the Operating Shareholders have extensive public speaking experience and have published numerous articles on Employee Benefits topics. SEB Benefits & HR Consulting Inc. provides SEB's benefits division with the industry knowledge and expertise, along with references, to help organizations optimize their benefits and healthcare program management. This expertise and knowledge is a critical ingredient in providing full service and end-to-end benefits solutions for corporate and government clients.

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