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… incomplete and inaccurate … lack of disclosure We’re not alone in stating that loss of a loved one is tragic, made all the more acute when due to a clerical error or undisclosed pertinent information, the expected insurance is no longer payable. Too often the...
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Balancing Act

Whenever there is an employee group benefit program in place, corporate ownership and plan administration must always weight the pros and cons. Typically the cost of providing a benefit to the return on that investment. This runs into a bit of a looped narrative as...
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REMINDERS on Disability in your Benefit Plan

Connecting communication strategies to business (benefit) objectives, recruitment, retention, safety, and productivity requirements are necessary to effectively drive the overall purpose of the organization. …that’s where there’s “power” in...
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The Alignment of benefits to productivity.

AS WE KNOW, benefits are a significant component of an employee’s compensation package, focusing on the usage value—the “benefits”—rather than premium, adding to the culture of any organization.  However, have you considered how an employee group benefits plan ADDs to...
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When Reporting a Change Matters.

Taking a chance may cost you more than premiums. It’s a problem of communication. Too many times employees fail to disclose relevant information relating to their employee benefit coverage, sometimes with the misconception of saving premium, or considering the...
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Do we really understand the value of NON-TAXABLE?

Why should anyone care? Nothing seems to get a glazed look faster than a discussion on tax. Sure, if we want to complain about paying tax, or looking at the GST, we’ve plenty to say, but try simply to have a discussion on tax planning and see what happens. Feeling...