If you own a business and are impacted by the tax rules for passive investment or splitting income, you’ll want to ensure they have effective planning in place. An Individual Pension Plan (IPP) should be on of the options you consider. Your spouse and children could participate if they are employed and paid by the … Continue reading “Deciding if an IPP is right for you”
HOPE – An Important Mindset We All Need to Get Through This
It is easy to get caught up in the news feeds and emotional messaging on our cell phones. Between the pandemic’s impact on business, restrictions on personal contact and the political drama south of the border, I was starting to get dragged down the rabbit hole, becoming more anxious and depressed about things outside of … Continue reading “HOPE – An Important Mindset We All Need to Get Through This”
Workplace Health and Productivity How to Get Results When Most Programs Fail to Deliver
More than ever, organizations need to be able to adapt and innovate to survive and prosper. The challenges can seem daunting with the speed of technological change and the emergence of new sources of disruptive competition. People today are experiencing more stress and emotional drain (according to Statistics Canada, over 25 % of working Canadians … Continue reading “Workplace Health and Productivity How to Get Results When Most Programs Fail to Deliver”
Medical Cannabis is Legal…So I Qualify, Right?
Medical use of cannabis was legalized in Canada since 2001 and administered by Health Canada under the conditions outlined by Access to Cannabis for Medical Purposes Regulations. Now cannabis is legal for recreational purposes since October 17, 2018. Since then, insurance carriers agreed to offer medical cannabis to plan members with a nominal annual limit … Continue reading “Medical Cannabis is Legal…So I Qualify, Right?”
Making Work Fun Again
A Program That Helps You Feel Better, Be More Engaged and Have More Fun at Work
Patient Assistance Programs Offer More Options for Employees
One of the great things about group benefits programs is that they’re supposed to provide employees with peace of mind in knowing that they have the coverage they need, when they need it. And by and large, that’s true. However, there are occasions when it isn’t. Certain medications and treatment options may not be … Continue reading “Patient Assistance Programs Offer More Options for Employees”
Biologic Drugs a Growing Issue
In 2013 biologics became a hot topic for benefit programs. These drugs are marketed as being able to treat severe chronic conditions such as rheumatoid arthritis, Crohn’s disease, psoriasis, and many more. For those suffering from these severe conditions, biologics can drastically improve quality of life; however, these drugs come at an enormous cost for … Continue reading “Biologic Drugs a Growing Issue”
Is Your Organization Being Hurt By the Knowledge Worker Syndrome
“The Stress Epidemic at Work” and “Is Work Killing You?” are just two examples of recent publications reflecting growing concern over an emerging challenge that impacts both employee well being and corporate profitability. Fortune, Forbes, Huffington Post and the Globe & Mail are all talking about the adverse impact of stress in the workplace. If … Continue reading “Is Your Organization Being Hurt By the Knowledge Worker Syndrome”
Group Travel Insurance: Are You Covered?
Your employee benefits program provides valuable out of country emergency health protection. While the coverage offers great value, it is important that you understand what is covered. Each year many claims are denied. This is mainly because many people do not understand what their travel insurance covers. While less than 6% of group travel … Continue reading “Group Travel Insurance: Are You Covered?”
Protect Your Benefits Plan From The Hidden Cost of Long Term Disability
If one of your employees becomes disabled tomorrow and is no longer able to return to work you could be paying for their health and dental benefits until age 70 or longer. Over time this could represent a very significant cost to the company. Employee benefit plans currently average 6 to 10 % of payroll … Continue reading “Protect Your Benefits Plan From The Hidden Cost of Long Term Disability”