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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…

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…

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…

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…

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…

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…

It looks like we might be one step closer to a National Pharma Care plan.  Sun Life has commented in their Focus Update that the first tentative steps have been taken towards a National Pharma Care plan in Canada. Two years ago around this time my Blog was on a Universal Drug Plan, the Blog spoke…

Today's Blog is a personal one and a reminder to me how fortunate I am for the people I have in my life, both family and friends. While I was in Baja a friend of mine lost his brother, he had a very debilitating illness and even though it is a blessing the ones left…

Technically none.  They are not an employee of your company so they should purchase their own Employee Benefit Program.  However, over the years the Insurance Companies have allowed contract employees to join their Employee Benefit Programs.  If a contract employee chooses to participate they should reimburse their Employer 100% of the cost of their portion of the Employee Benefit Program. …