Extended Health and Dental benefits are priced based on usage and administration costs. I meet with my clients a couple times a year to review these areas with them and prepare them for their renewal. Sun Life has come up with an app that will assist employees in making cost sensitive decisions on their health. Sun…
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There are many definitions of pain and they affect people differently, this article from Green Shield really resonated with me. A few years back I was rear ended at a red light and for about 1 1/2 years I was in what I would call Chronic Pain. Fortunately, I did not have to go on opioids but…
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If I am going to promote Live a Life Worth Insuring! I feel that it should extend to my office. Starting this week, we will be switching to our summer hours. Monday to Thursday 8:00am to 4:30pm and Friday we will close at noon. When I mentioned it will extend to my office, I will…
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Photo Credit goes to Alexandre Chambon @goodspleen I have been reading the book The Tibetan Book of Living and Dying; and my Mom asks, why am I reading that book and what does that have to do with insurance? Patience, I will get to that. :) The book is based on Buddhism and the Eastern way…
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Yes would be my first response, by living a healthier lifestyle it will hopefully ward off illness and disease which can translate into less or no medication. If employees are buying less medication then it will assist in keeping the cost of your Employee Benefit Program competitive. But are there more savings??? Yes there is, Manulife Vitality…
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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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