We are a national group benefits provider that believes all nonprofits should have access to superior group benefits at affordable rates. Our proposals typically generate overall savings of between 10-20% to duplicate the coverage you currently have – with plan design improvements such as no charge Trip Cancellation and online submission of Health claims. Also, being a not for profit Benefits Trust allows us to refund excess premium in years when surplus is created!We provide group benefit solutions to over 150 not for profit organizations across Canada working to make their communities, the environment, and the world, a better place. In fact, we partner exclusively with not for profits. Since we opened our doors back in 1996, we believed all of our clients deserve access to the best benefits. That belief is still what drives us today.Being not for profit with salaried non-commissioned staff means we don't have to charge high commission rates or generate large profit margins. Other group benefit providers often offer initial low rates to get your business, only to hike them later to meet profit objectives. At OJTBF, we offer affordable rates that you can count on remaining affordable, year after year.Our size allows our clients to secure significant discounts and flexibility from our insurer – discounts that are typically only available to larger organizations. Simply put, we provide large group pricing and service to small and mid-sized organizations.