Community Services Benefits Trust

What Community Services Benefits Trust does

Community Services Benefits Trust (CSBT) is a Canadian non-profit trust founded on January 1, 2002, that designs and delivers group employee benefits plans tailored to non-profit community service organizations across Canada. Operating from offices in Etobicoke, Ontario and Surrey, British Columbia, CSBT serves more than 2,000 member organizations supporting 50,000+ employees and their families, with coverage spanning health, dental, vision, prescription drugs, disability, life insurance, travel, virtual healthcare, gender affirmation, EFAPs, and wellness/healthcare spending accounts. The trust is governed by a Board of Trustees drawn from sector executives (former Executive Directors and CEOs of community service organizations), and its mission-driven structure channels member premiums back into plan value rather than shareholder returns.

CSBT delivers its benefits through a tech-enabled service platform consisting of a quick online enrollment system and a 24/7 online claims submission portal, supplemented by a national network of regional Advisor Partners who manage member onboarding, customization, and renewals. Claims administration, product creation, and customer service are outsourced under a 20+ year strategic partnership with GroupHEALTH Benefit Solutions, while disability claim case management is handled by the Disability Management Institute (DMI). Distribution is driven by formal partnerships with 10+ sector associations (including NHNSA, ODEN, SECA, OCBCC, OFIS, viasport BC, ASPECT BC, IONS, and Community Living Ontario) and active participation in sector conferences.

CSBT monetizes through annual subscription-based premiums on customized group benefit plans, with pricing tailored per organization by size, employee count, and coverage selection. The trust leverages the collective buying power of its 2,000+ member base to deliver cost-effective coverage to small and mid-sized non-profits that would otherwise struggle to offer competitive benefits. Revenue is not publicly disclosed.

Name

Community Services Benefits Trust

Legal name

Community Services Benefits Trust

Website

https://csbt.ca

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

1–10 employees

Short description

Community Services Benefits Trust (CSBT) is a Canadian non-profit trust, founded in 2002, that delivers customized group employee benefits plans to over 2,000 community service non-profit organizations across Canada, supported by GroupHEALTH Benefit Solutions as third-party administrator and a national Advisor Partner network.

Ownership category

akta.pro rank

Product category

Group Employee Benefits Administration

NAICS

Health and Welfare Funds (52512), Health and Welfare Funds (525120), Business, Professional, Labor, Political, and Similar Organizations (8139)

SIC

Insurance Agents, Brokers & Service (6411), Services-Membership Organizations (8600)

akta.pro primary industry

Ancillary Employer Benefits (Life/Disability/Accident/Critical Illness) (HLAEAAAK)

akta.pro secondary industries

Disability Services & Independent Living Support (BPAGACAG), Disability Benefits Administration (BPAIAKAC)

Keywords

• Group benefits plans
• Employee benefits administration
• Non-profit benefits trust
• Health and dental coverage
• Disability management services

Headquarters

HQ city

Surrey

HQ country

Canada

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Group Benefits Premiums: CSBT collects premiums from member organizations for comprehensive group benefit coverage including health, dental, vision, prescription drugs, disability, life insurance, and wellness programs. As a non-profit Trust, revenue is reinvested to benefit member organizations rather than distributed to shareholders.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Community Services Benefits Trust (CSBT) is a Canadian non-profit trust that provides customizable group employee benefits plans tailored for community service organizations. Coverage includes health, dental, vision, prescription drugs, disability, life insurance, travel, and wellness spending accounts. Plans are delivered in partnership with GroupHEALTH Benefit Solutions as third-party administrator and Disability Management Institute (DMI) for disability claims.

Product overview

CSBT operates as a non-profit trust offering a unified group benefits platform designed specifically for community service organizations across Canada. The core product is a customizable Group Benefits Plan that combines Health Coverage (Extended Healthcare, Dentalcare, Vision Care, Prescription Drugs, Virtual Healthcare, Gender Affirmation), Extra Protection (Critical Illness, Long Term Disability, Life Insurance, Travel Insurance), and Personal Well-being programs (EFAPs, Healthcare Spending Accounts, Wellness Spending Accounts). These plans are delivered through a partnership with GroupHEALTH Benefit Solutions as third-party administrator, with additional support from the Disability Management Institute for disability claims. CSBT also provides a digital Online Enrolment System for employee onboarding. The organization serves over 2,000 community organizations nationwide.

Differentiator

Problem solved

Functional benefit

Products and services

• Group Benefits Plans Comprehensive, customizable group employee benefits plans covering health, dental, vision, prescription drugs, disability, life insurance, and wellness spending accounts, designed specifically for Canadian community service organizations.
• Health Coverage Includes Extended Healthcare, Dentalcare, Vision Care, Prescription Drug Coverage, Enhanced Hospital Coverage, Virtual Healthcare, and Gender Affirmation coverage.
• Extra Protection Insurance products including Group Critical Illness, Long Term Disability, Travel Insurance, Second Opinion Diagnostics, and Group Life Insurance.
• Personal Well-being Employee support programs including Employee and Family Assistance Programs (EFAPs), Healthcare Spending Accounts (HSAs), and Wellness Spending Accounts (WSAs).
• Online Enrolment System Quick, user-friendly online enrollment platform allowing employees of member organizations to set up accounts and complete onboarding digitally in a few clicks.
• Online Claims Submission System Online system enabling employees to submit benefits claims and receive reimbursements with full transparency throughout the process.

Quantifiable outcome

• Supporting more than 50,000 employees and their families across Canada
• +2 more outcomes

Named customers4 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Eleven partnerships are on record, tiered core and minor.

• GroupHEALTH Benefit SolutionscoreStrategic or Co-development Partner · 1 January 200220+ year partnership with GroupHEALTH as CSBT's third-party administrator. GroupHEALTH delivers best-in-class benefits administration with nationwide expertise, handling claims processing, new business development, product creation, and customer service for CSBT member organizations.
• Disability Management Institute (DMI)coreStrategic or Co-development PartnerPartnership with DMI provides professional end-to-end assistance with disability claim management, including initial support, adjudication, and real case management. This partnership enables third-party professional support immediately after employees leave work due to accident or illness until they can safely return.
• Nursing Homes Nova Scotia Association (NHNSA)minorGTM or Marketing PartnerAssociation partnership where NHNSA promotes CSBT benefits programs to its member organizations in Nova Scotia's nursing home sector.
• Ontario Disability Employment Network (ODEN)minorGTM or Marketing PartnerAssociation partnership supporting employment service providers and businesses across Ontario with access to CSBT benefits programs.
• SECA (Saskatchewan Early Childhood Association)minorGTM or Marketing PartnerAssociation partnership promoting CSBT benefits to early childhood educators and professionals across Saskatchewan.
• Ontario Coalition for Better Child Care (OCBCC)minorGTM or Marketing PartnerAssociation partnership supporting non-profit childcare organizations with access to CSBT employee benefits.
• Ontario Federation of Independent Schools (OFIS)minorGTM or Marketing PartnerAssociation partnership supporting independent schools in Ontario with employee benefits solutions.
• viasport bcminorGTM or Marketing PartnerAssociation partnership promoting CSBT benefits to sport organizations across British Columbia.
• ASPECT BCminorGTM or Marketing PartnerAssociation of Service Providers for Employability & Career Training partnership supporting workforce development professionals in BC.
• Impact Organizations of Nova Scotia (IONS)minorGTM or Marketing PartnerAssociation partnership supporting impact organizations across Nova Scotia with employee benefits.
• Community Living OntariominorGTM or Marketing PartnerAssociation partnership supporting organizations serving people with intellectual disabilities in Ontario with access to CSBT benefits.

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Beneva: Beneva is a Quebec-based insurance cooperative formed from the merger of La Capitale and SSQ Insurance, offering group benefits including health, dental, and disability to employers. It competes for the same group benefits customers in Canada but is broader in scope than CSBT's nonprofit focus.
• Sun Life Financial: Sun Life is one of Canada's largest group benefits carriers, offering health, dental, disability, and life insurance plans to employers of all sizes including non-profits. It competes for the same group benefits wallet as CSBT but serves a much broader market with much greater scale and product breadth.
• GreenShield Canada: GreenShield is a Canadian not-for-profit health and dental benefits provider covering millions of Canadians. It is a broad incumbent in the same group benefits space as CSBT and shares a non-profit heritage, but operates across all employer segments rather than specializing in community service non-profits.
• Canada Life: Canada Life (part of Great-West Lifeco) is a leading Canadian group benefits carrier offering health, dental, disability, and life products to mid-market and large employers. It competes for the same employer benefits dollar as CSBT but operates at much larger scale without a nonprofit-specific focus.
• Manulife Financial: Manulife is a major Canadian group benefits provider offering extended health, dental, disability, and life insurance to employer groups. It overlaps with CSBT's product suite but competes across all sectors, not specializing in the non-profit / community services niche.
• Desjardins Insurance: Desjardins Insurance is a major Canadian group benefits provider offering health, dental, life, and disability products to employer groups, particularly strong in Quebec and Ontario. It overlaps with CSBT's product suite but serves a broader market without a community services specialization.

Emerging players

• Nonprofits' Insurance Alliance of California (NIAC): NIAC is a non-profit insurance alliance pooling liability and property coverage for non-profit organizations, exemplifying the affinity-group insurance trust model CSBT uses for employee benefits. It is structurally analogous (non-profit pooling for nonprofits) but operates in property/casualty rather than employee benefits and serves a US rather than Canadian membership.
• OTIP (Ontario Teachers Insurance Plan): OTIP is a not-for-profit provider of insurance and group benefits serving the education and broader public sector community in Ontario. It uses a similar trust/affinity-group model to CSBT, pooling buying power for a defined member community, making it structurally comparable despite the different member base.

Direct peers

• GroupHEALTH Benefit Solutions: GroupHEALTH is CSBT's third-party administrator and operates in the same group benefits space, serving associations and affinity groups across Canada with comparable health, dental, disability, and life products. It is both a peer and a deeply embedded partner, providing claims, product creation, and customer service infrastructure that CSBT relies on.

Regional players

• Pacific Blue Cross: Pacific Blue Cross is a BC-based not-for-profit health benefits provider offering group extended health and dental plans. It is regionally comparable to CSBT's strong BC presence (Surrey office) and overlaps in serving BC employers, though it competes more broadly beyond the community services niche.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/CSBTCanada
• LinkedInlinkedin.com/company/community-services-benefits-trust

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Community Services Benefits Trust