There are always a lot of questions when it comes to implementing or sustaining a benefit plan, not least of which are employees wanting to ‘opt’ off the entire coverage. This is often a bone of contention when the question of liability comes into play. The role of...
Anyone who knows me more than ten minutes, knows how much I love going to the coffee shop to meet with clients and friends. The atmosphere suits me and despite never being advertised as such, there is little to no cell phone use. So, we truly chat without...
Biologic drugs have been around for about 20-years or so and are best known for their development in combating diseases like Cancer, Diabetes, and Multiple Sclerosis. The difference between a Biologic drug and a typical pharmaceutical would be the shelf-life. A...
With all that business owners have to chose from when building their employee benefit program, there is nothing more practical or flexible than a health care spending account (HSA). A HSA can be made to fit within the existing benefit plan like a glove, or it can be...
It’s always fun to return to work from the bliss of the holidays in January to find yourself in the thick of sniffle and cough season, otherwise known as Influenza. Despite the historical data of the flu’s contributing influence in causing death, people continue to...
It is no secret the cost of health care is on a steady, if not expediential increase in Canada—Globally for that matter. Canadian Health Care Cost Drivers include: Demographics, population growth and aging Price Inflation Technology Utilization As we have focused on...
