August 8, 2012
by Bruce

CLHIA Launches Drug Coverage Protection

The Canadian Life and Health Insurance Association (CLHIA) has developed a drug pooling agreement to protect employers with insured benefits from the full financial impact of high cost drugs. In recent years, there has been a significant increase in the … Continue reading

May 29, 2012
by Bruce

When are you planning to Retire….?

Until recently, if you needed or wanted to continue working after age 65 and you wanted disability coverage there was nothing available. No  insurance company was offering a disability product.  In December 2011 an insurer announced they would now offer … Continue reading

May 17, 2012
by Bruce

Whose hands is your family’s financial security in?

Disability insurance replaces a portion of your income if you become disabled from an accident or sickness. Why Do I Need Disability Insurance? People are unaware of the startling disability statistics. Often they have purchased life insurance to protect their families … Continue reading

May 1, 2012
by Bruce
1 Comment

Medical Expenses & Your Taxes.

As personal tax time closes for the year, now may be the time to start looking at your corporate year end.  This could lead you to review your tax structure, and how your personal income is received, ie. T4 or … Continue reading

March 28, 2012
by Bruce

What is a Drug Formulary?

Drug Formulary – plain and simple is the number and type  of drugs covered by your benefit plan. You  can  provide  prescription  coverage for your employees that would cover  everything, but depending on your insurance provider you could pay a … Continue reading

March 22, 2012
by Bruce

Marketing your Insurance Plan?

We all know times are tough and looking for a way to cut expenses is a continuous battle! In order to help you save money we are advising you that your employee benefit plan can be reviewed any time between … Continue reading

March 6, 2012
by Bruce

Changing Insurance Carriers?

Changing group insurance companies will happen for some employers every so often. Most businesses move to a new insurance company because they can save money and in today’s economy insurance companies understand that. When changing insurance providers it is very important that … Continue reading

January 10, 2012
by Bruce
1 Comment

Why Group Long Term Disability Rates are Increasing…

As private group benefit plans rates are increasing in some markets, we are seeing (at times) substantial rate increases in Long Term Disability. Below are some examples of why this is happening: The Long Term Disability market is experiencing a significant increase … Continue reading