I would like to give credit to my friend David Wolf, better known as Lobo, for this photo. Confession time, I bought an Apple Watch a couple weeks ago. I know that it can help me in business, by staying more connected. However, the catalyst for me to purchase the watch was because it connected…
Read MoreWhat is a Residual Disability Definition and why is it important? There are some industries where employees are not able to work part time due to physical labour and other industries where employees are a bit harder to keep at home and this usually comes with an extensive University Education. What can happen is an employee who has…
Read MoreWhy is an Individual (or private) Disability policy so much more expensive then a Group Disability policy? There are a couple reasons but the one I would like to write about today, are the wordings in the contract and the increased risk with an Individual Disability policy versus a Group Disability policy. There is one Group…
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I know that I have been stressing lately that understanding the contracts that you purchase is important and this week was an example where neither the purchaser, the beneficiary nor the person selling the policy understood the outcome of the policy that was purchased. An employee of one of my groups passed away and I met with…
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I have no idea where the week went, the skiing was so much fun this weekend and next thing I know it is Monday Morning. What??? I have a Blog that goes out at noon on Monday. Yikessssss Thank you Big White and my skiing friends for an amazing season. Now onto other adventures. I hope…
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Do you understand what the Pooled portion of your Employee Benefit Program is? The pooled portion of your Extended Health Benefit (EHB) is normally around $10,000 and it is your risk, similar to a deductible. The first $10,000 an employee and/or their family spend will affect your rates next year. After an employee and/or family has spent $10,000, the…
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Benefits Canada has been on top of the 2018 budget changes that affect you and your Employees, on March 3rd I wrote on National Pharma Care. This week I would like to talk about an additional 5 week Parental Leave. In Quebec they have offered incentive for the Father to take time off and allow the Women to…
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Benefits Canada has commented that the Budget included the end to Health and Welfare Trusts by 2021. What is a Health & Welfare Trust, also known as Cost Plus? A Health & Welfare Trust program allows plan sponsors to provide their employees with additional health and dental coverage not generally offered under existing Group Benefits plans. If…
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Come and celebrate the beginning of Spring with me at Rose's Pub and while we celebrate if you can purchase a Burger and Beer (other options available as per poster) the money goes towards Juvenile Idiopathic Arthritis. Let's hang out on the patio and enjoy the signs of Spring and talk about the incredible Summer ahead…
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