We are a market leader in designing cost-effective, self-funded benefit plans.
We offer the highest quality claims management and administrative services to self-funded benefit plans
through our innovative solutions, including:
We have a proud history of building long term relationships based on trust and confidence. You can count on us to work with you!
Click below to get to know some of the people you will be working with.
Mr. Edison Raphael is the holder of the Fellow Life Management Institute (F.L.M.I.) accreditation and has over thirty-seven (37) years experience in design and implementation of technically advanced Employee Benefit programs. He is currently the Managing Director of Cardea Benefits Limited and is also a member of the Board of Directors of Agostini Insurance Brokers Limited.
ALMI, HIA, ACS
Mrs. Paulesca Romany-Fournillier joined Cardea Benefits Limited from its inception in October 2009 to manage our Claims Department. Prior to this, she provided claims support to the Employee Benefits Department at Agostini Insurance Brokers and was a Senior Claims Examiner at a prominent insurance company. She has accumulated over twenty (20) years experience in the health insurance industry.
Paulesca oversees the effective management of all matters related to claims including payment authorization, approval for overseas treatment, investigation of large or unusual claims & possible fraudulent claims.
Paulsca holds the designations ACS (Associate, Customer Service) and ALMI from the Life Management Institute, as well as an Associate with the Health Institute Association of America.