Before you grab your swimsuit, let's clarify something: pooled employee benefits have nothing to do with swimming pools. There's no shallow end, no diving board, and definitely no 'no running' signs. What pooling does offer is protection from the deep end of...
What does your employee benefits program have to do with marriage? I have a husband and two boys, ages 7 and 9. Most days, our life resembles a poorly choreographed Olympic event where someone forgot their equipment. Picture this: 5am alarm so we can make it to the...
We’ve received a few questions lately from clients wanting to understand insurance pooling when it comes to employee benefits. This does not surprise us as there are many nuances that goes into employee benefits pricing, and the concept of pooling is one of the key...
Do you have Long-Term Disability benefits (LTD) as part of your employee benefits plan design? If so, it’s important for you to be aware of how your LTD coordinates with the government programs such as EI Sickness benefits. Did you know that the Canadian Government...
Let’s take a closer look at how you can help your employees understand dental costs and terms when it comes to dental insurance coverage. Dental Fee Guides: The Basis of Dental Insurance Coverage Every province and territory has a provincial dental association that is...
It’s been over a year since the federal government launched the Canadian Dental Care Plan (CDCP). While it’s designed to provide support to families and individuals with dental care, employers are left with a lot of questions about how it impacts their employee...
Did you know that prescription drugs typically account for 60-70% of total health claims? This makes prescription drugs the top cost driver for many employee benefit plans. The good news is that there are ways to effectively manage these costs. This can be...
The fun and excitement of travel are usually the first things we think of when someone is planning a trip. However, preparing for the unexpected is not necessarily top of mind. But the reality is that accidents and illness can happen anywhere, not just at home!...
My sweet 6-year-old boy enjoys doing jigsaw puzzles. So, when we saw a shiny “Star Wars” puzzle at Costco, we had to buy it. However, when we opened up the box, we realized the puzzle was a little harder than we anticipated. Even though the box says “ages 6+” this was...