Category Archives: Group Benefits Blog

How Cancer Affects the Workplace

Hearing the word “cancer” from a doctor used to mean a short-term death sentence. However, now with fast rising survival rates, cancer is one of Canada’s fastest-growing chronic diseases. Most people don’t think of it as a “chronic disease.” We are used to hearing more about the death rates and end stages of the disease,…

Health Spending Accounts and Traditional Health Insurance

There is a lot of confusion in the industry about the different types of group health benefits, what they cost and what is really the best option for a small business owner. The biggest confusion lies in the difference between Health Spending Accounts and traditional health insurance. To understand the difference, we first need to…

Have You considered a Split Dollar Critical Illness Insurance Policy as part of your Corporate Insurance Strategy?

A split dollar critical illness insurance policy (often referred to as a shared ownership agreement), is a concept where more than one party owns an interest in a critical illness policy. This type of policy is offered by several Canadian life insurance companies, including: Manulife, Sun Life, Industrial Alliance, Desjardins, etc. When structured properly, these…

New Details Emerge on the BC Employer Health Tax

As we discussed in our previous article about the new Employer Health Tax, the NDP government announced its new tax would take effect starting January 1st 2019. The BC Employer health tax is designed to assist the government in eliminating MSP premiums paid by employees scheduled for January 1st, 2020. The government will be releasing…

Is Medical Marijuana Included in Your Employee Benefit Plan?

With the legalization of recreational marijuana, business owners and insurers are cautiously exploring coverage for medical marijuana as well. Medical marijuana has been legal since 2001, and Canada is a pioneer in its use for a variety of ailments. However, is medical marijuana included in your employee benefit plan? Should it be and what does…

It is important to engage your employees when making benefit plan changes to avoid turnover and show that you value their input. Giving employees a chance to share their views is important when making any benefit plan changes; whether you’re introducing new benefits, scaling back benefits or changing the design of your plan. Employees today…

What are Flexible Benefits? Are they Beneficial?

In a world where everything is customizable, it’s not a shock that group benefits are becoming more flexible as well. In the world of group benefits, flexible benefits (or flex benefits) are considered to be the hot new product, whereas traditional benefits plans can seem boring and cumbersome. There are advantages and disadvantages to for…

Employee benefits are designed to keep employees happy, healthy and productive for the business. Most benefit plans contain your standard extended health and dental coverage, but there are many employee benefits commonly overlooked when developing an employee retention strategy. Here we will discuss some of the major overlooked benefits and how they can have a…

Legalized cannabis is fast-approaching in Canada, yet many BC businesses are not ready for legal marijuana. People have varying opinions on the subject, but despite your own personal views, Canadians voted for a government that put the legalization of marijuana as a major part of its platform. The goal is to regulate a massive and…

With over 100 years of combined experience in the insurance and employee benefits industry, there are a number of common employee benefit plan myths that we see interacting with small business owners. When choosing an employee benefits plan, or upgrading an existing on, be sure you can separate fabrication from the truth! Here are just…

Category Archives: Group Benefits Blog

How Cancer Affects the Workplace

Have You considered a Split Dollar Critical Illness Insurance Policy as part of your Corporate Insurance Strategy?

Employee Benefits Commonly Overlooked

Many BC Businesses are Not Ready for Legal Marijuana

Common Employee Benefit Plan Myths

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