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If you have a minimum of 150 employees participating in your employee benefit program, you can offer them a Modular Flex Plan.  The pooled benefits which are the Life, AD&D, Dependent Life, Long Term Disability and Critical Illness are a base plan that all employees must participate in.  These pooled benefits are normally paid for by…

Pacific Blue Cross put out an Information Update on changes to Fair PharmaCare's Reference Drug Plan (RDP).  If an employee has a comprehensive drug plan, this change will not be noticed by the them, however, the employer will see this cost shift in their Employee Benefit Programs. What is the Reference Drug Plan (RDP) Program? RDP…

Thank you Benefits By Design for bringing attention to the article on Our Changing Labour Force , published by Benefits Canada.  Forbes also has provided a great article on the needs of the Millennials, "How To Create A Benefits Plan That Appeals To The Young And Cool". On one hand I continue to read about the increasing usage and…

What does Remembrance Day mean to you? As I have mentioned several times, I live a very blessed life and I can't say that war crosses my mind very often.  This is a day that I like to give thanks to all of the soldiers that have allowed me to continue to live this amazing…

If you have employees working and travelling abroad it is easy to ensure that Health and Dental coverage is there for the employees and their families.  Empire Life has teamed up with Met Life to provide comprehensive Expatriate Insurance. Don't forget about those employees who are coming from a foreign country to work in Canada. …

You do certainly deserve the Ideal Insurance Broker! Before I get to the intimate details, please let me share with you that it is my non-negotiable belief that each and every one of us deserves the “Ideal” life. Oh yes, I can hear some of you now saying, “Pamela, that is an unreasonable standard”. And…

On Thursday October 13th I was fortunate enough to show off Glendinning Insurance Services to my Business Networking International Group (BNI).  I would like to thank Raudz for doing a fabulous job on the Charcuterie Board.  As usual, their food was fabulous. Liquidity Wines and Summerhill Winery for assisting with the Sparkling Wines, Reds and Whites.  If you haven't…

By the time you see this post, hopefully you would have woken up from your turkey comatose.  This is a time to give thanks for all that we have in our lives.  There are the obvious ones friends, family, my health, but I am most grateful for each and every person who has touched my life.  As I have…

Previously the talk around high cost drugs came from biologics and the concern that they might not be able to create generic alternatives.  Recently, some generic alternatives have been introduced for some of the high cost biologics and have assisted in bringing the costs down.  The new high cost drugs are for Cancer, High Cholesterol…