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Yes you read it correctly, there is a new Group Benefit Critical Illness Insurance Company in town.  The name of the Insurance Company is Allstate and they have some unique features that are ground breaking.  Your company must have a minimum of 10 employees participating in the benefit plan. The unique features are: For no additional cost they will…

What is the definition of Cost with your Employee Benefit Program? Is it the premium you pay for the benefits? Is it that the benefits don't cover everything and you have to pay out of pocket personally? Is it you and/or your employee's time? The first two are obvious and easy to assess, the last…

I am doing this lengthy article; because I was just talking to a potential client last week and they mentioned they had an employee who got caught between the Employee Benefit Program and Work Safe.  While the two were fighting over who should pay the claim, the employee did not receive any money and ended…

I do not partake in marijuana, so I was surprised when one of my friends, who has a prescription for medical marijuana, was telling me all the different options that are available for ingesting marijuana.  So back to my question; Would you even know if marijuana is in your workplace? How do you test for it?…

Benefits Canada recently published an article that speaks to one fifth of employers have a formal strategy around employee financial wellness.  My first response out of the gate is my goodness at what point are employees responsible for themselves?  My next response is, would I have a happier employee if they had a financial plan and were living within…

My concern when I arrived home from touring Express Scripts is that I wouldn't be able to express how innovative the research facility is.  I was hoping that I could instill some confidence that Insurance Companies are listening to their clients.  Can the usage change overnight?  Probably not, but when Insurance Companies make the decision to change it amazes me…

There are over 18,000 medications, how can one person possibly have an understanding of all of these?  Having knowledge on how the medication works and the side effects and what is required to compensate for the side effects.  This video is Doc Mike Evans, and he uses a whiteboard video.  This video is on "Less Means More in Medication"…

When we entered into Express Scripts Facility, they called it a research facility. The question I quietly asked myself, what the heck are they researching??? Don’t you just pay the claim or issue the drugs that are prescribed. Was I in for a surprise!!! They just gave me the tip of the iceberg and I…

Every renewal I go through with my clients they all say the same thing, "We can't continue to afford these increases."  The perception I feel my clients are left with is that the insurance companies aren't listening to their cries.  I was fortunate enough to be invited to Empire Life's Advisory Council in St. Louis, and I am…