Insurance
You trained them. You trusted them with your clients. You built your operation around them.
And then they left.
In Trinidad and Tobago, salary is rarely the whole story when a good employee walks. Ask them honestly and benefits come up almost every time. No health plan. Nothing for the family if something goes wrong. No reason to stay when another employer is offering real coverage.
The good news is that you do not need a big company to fix this. A group health plan through Sagicor's CariCare programme is available to businesses with as few as three employees. If you have a team, you have options.
Skilled workers in T&T have choices. The ones worth keeping are thinking beyond the monthly salary when they decide where to plant themselves long term.
Health coverage ranks consistently among the top reasons employees stay. Not because they are looking for extras. Because they are adults with families and real responsibilities. A serious illness, an accident, an unexpected surgery. Without a health plan, any of those events can send a household into financial crisis. Employees know this. The ones who are thinking ahead choose employers who take it seriously.
A business that offers group health insurance sends a clear signal. We value you beyond your output. That signal builds the kind of loyalty a salary increase rarely can.
Paula's Story.
Paula runs a small accounting firm in Port of Spain with eight employees. Two of her best people resigned within six months of each other. Both gave the same reason when she pushed for honest feedback. No health benefits. They had young families and could not stay somewhere that left them financially exposed if something went wrong medically.
Paula set up a group health plan for her team shortly after. In the two years since, not a single staff member has left.
The monthly cost of the plan was less than the recruitment fees she paid to replace the two who walked. She was not just buying health coverage. She was buying stability.
The Sagicor CariCare group health plan covers the things that matter most. Hospitalisation and surgery, doctor and specialist visits, lab work and diagnostics, prescribed medication, maternity benefits, physiotherapy, and mental health support. Optional dental and vision coverage can be added as well.
But it is the added benefits that set this plan apart from a basic medical policy.
The CariCare Card allows employees to settle claims directly at over 500 providers across T&T with no claim forms. They pay their portion at the point of service and walk out. Simple.
Dalian Medical Concierge gives employees priority access at top private medical centres in a medical emergency. No waiting. Immediate attention.
Medicard discounts extend benefits to over 400 providers including pharmacies, health providers, and even restaurants.
Direct bank reimbursement means claim payouts go straight to an employee's bank account within five to seven business days. No cheques. No delays.
No referral needed for specialist visits, physiotherapy, or psychology. Employees can access the care they need without jumping through hoops first.
No waiting period on maternity coverage. Once an employee is on the plan and conception falls on or after the effective date, the pregnancy is covered. No exclusions, no surprises.
This is the part most small business owners in T&T do not know. You do not need a large team. The Sagicor CariCare small group plan is available to businesses with as few as three permanent full-time employees and up to twenty-five.
If you have three people on your team right now, you can put a proper health plan in place today. The right advisor will walk you through the options, match a plan to your team's needs, and handle the setup. Your job is simply to decide your people are worth protecting.
Good employees do not leave bad jobs. They leave jobs that do not invest in them. A group health plan is one of the most visible, tangible ways to show your team that you do.
If you are a small business owner in T&T who is ready to stop losing good people and start building a team that stays, let us have that conversation. I will show you exactly what a Sagicor CariCare group plan looks like for your team size and budget.
Book your free consultation today at daronjacobsfinancial.com
Daron Jacobs, RFC, FSCP
Senior Financial Advisor | Daron Jacobs Financial Limited
📞 1-868-759-8359
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