The platform
Canadian benefits solved.
One enrollment, one bill, one integration.
Effortless wraps your entire benefits program into a single system and service team. One home for any provider you use, that integrates into your HR stack, and supports you with the governance and compliance work that eats your time.
Market reach
Where the best technology and the market meet.
Most benefits platforms are built around a single carrier, or a small handful. Effortless is built around them all. One system that connects you to more than 40 insurance carriers and providers to ensure your administration lives in one place, now and into the future. The entire provider market on one side, your HR stack on the other, integrated and supported through Effortless.
This matters more each year. As benefits programs spread across specialty providers, each one arrives with its own admin portal, its own data feed, its own service team. Effortless is the layer that unites them, so your team administers everything from one place.
Your HR stack
7+ HRIS & payroll integrations
Hire, changes, and terminations flow automatically from the system you already run.
One system for administration, compliance and billing
The provider market
40+ carriers & providers
Every carrier and specialty provider on your plan, administered in one place.
Enrollment & onboarding
Enroll once. Paperlessly.
Adding an employee to benefits can involve duplicating information at best and paper processes at worst. You know you're in control when employees enroll onto the plan, not onto carriers. On Effortless, you enroll a person once and they're set up across every carrier on your plan without paper, forms, or re-keying information.
Employees enroll through a proven digital enrollment process:
- Fully digital and mobile-first end-to-end
- Real people providing real support through bilingual live chat
- E-signatures integrated for auto form collection
- Automated waiting period management
- Flexibility in enrollment delivery
Compliance automation
Compliance that never sleeps.
Benefits compliance is a moving target: coverage applications when non-evidence maximums are hit, dependents that age out of eligibility, students whose status needs re-confirming every year, beneficiary designations that have to exist before anyone needs them, and terminations that trigger benefit conversions.
And that's just scratching the surface. Every carrier handles compliance differently. The list is long, and missing any one of them tends to surface at the worst possible moment. Effortless runs these checks continuously and acts on them automatically, so staying compliant is never a task on anyone's calendar.
Non-evidence maximums
Employees are prompted to apply at the right moment, driving a significant increase in applications and closing gaps that would otherwise go unnoticed.
Overage dependents
Flagged and managed automatically, with student status re-confirmed every year, no manual tracking.
Beneficiary designations
Captured by CLHIA-compliant e-signature, so a life claim is never held up by a missing form.
Benefit conversions
Automatic conversion notices on termination, so an employee's entitlements are never missed.
Hundreds of compliance rules
Enforced automatically against your policy contract, keeping eligibility data accurate across every carrier.
Continuous AI automation
AI is integrated into the fabric of the rules based system to ensure safe and effective automations.
HR & payroll integration
Your HR stack, connected once.
Much of the information that runs your benefits program already lives in your HRIS or payroll system. Effortless creates a bridge, so a new hire, a salary change, or a termination is applied automatically in Effortless each day. No exporting, re-keying, or reconciling one system against another at month-end.
The payoff is real.
less benefits data entry with HRIS integration
of the routine workload remains with employee self-service
Flex administration
Flex, without the headache.
Flex benefits can be a great choice for your employees but is a monster to administer. Enrollment often means Excel pricing calculators, manually maintained plan-design comparisons, and a stream of questions. Not to mention re-enrollment that is a big project of its own.
Flex through Effortless is a different story. Whether an employee is enrolling or re-enrolling, the pricing and decision supports are built in, out of the box without the need for manual configuration. Employees see their own real cost automatically, compare options easily, and always have a real person to lean on through live chat.
Billing & reconciliation
One bill. No reconciliation.
Most billing pain comes down to three things: timing, reporting, and payroll. Changes made late in the month miss the carrier's cutoff and become next month's retroactive adjustments. Reports arrive in awkward formats, or are missing the fields and calculations you actually need. And employee deductions still have to line up correctly on payroll.
Timing
Cutoff on the last business day
We eliminate reconciliation by holding your billing cutoff to the last business day of the month, so late changes land on the right bill the first time.
Reporting
Statements in the format you need
Premium statements come in PDF, Excel, and XML for maximum flexibility. Need to see where things stand mid-cycle? Interim billing is available in real time, on demand.
Payroll
Deduction files that stay current
We produce payroll deduction files that keep employee cost-shares up to date in your payroll system automatically.
Member experience
Off your plate, and into one place for your people.
A fast way to lighten the admin burden is to let employees directly manage their data. Through self-service, your people update their own information, make life-event changes, and access their plan details directly, which takes routine work off of your desk. And when someone needs help, they reach a real person on live chat, not a bot.
Every process described on this page is backed by real people. Our Canadian benefits specialists are an extension of your team.
positive across more than 25,000 live-chat conversations.
See the platform in your own context.
Moving your benefits administration sounds like a project. It isn't. The best way to really understand what Effortless does is to see it in action and learn how it solves for your specific needs. Book a live demo and we'll walk you through it.