By all accounts she wasn’t a well liked employee—even after her death. Her husband even less so. She died by suicide. The owner and advisor at the time determined no life insurance would be payable. No claim submitted…done. Not so fast. Employee benefit plans have no...
Imagine you are wherever you purchase toiletries. In the aisles there are rows, upon rows of shampoos. Every make is available. Prices vary. Colour and bottle configuration help to market and catch the buyer’s eye. How does the consumer decide? And once they decide,...
Are group benefits a commodity or an investment? Put another way, are they expendable? Are benefits at the tail end of the business plan? Only placed when/if there is enough disposable income to warrant the expense? If that is the case, then there’s no wonder there...
Employment Insurance (EI) is a form of worker wage protection, which began in the 1930’s. For reasons of unemployment due to lack of work or being disabled, the employee is entitled to 55% of their pay up to the set weekly limit. This payment is taxable. The changes...
Life is so much easier these days. Remember the excitement when pay direct drug cards were first introduced? How point-of-sale claims for pharmacy and dental went from being an added perk, to mainstream? Now look at the average consumer with a benefit plan…massage...
