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...
Have you ever looked at something for a long time…then blinked and everything looked different? Two ears, one mouth…time to listen. There are wants and there are needs…going to a breakfast meeting, there are expectations of choice of hot and cold food. That the food...
If you can indulge me for a moment … close your eyes … Picture an island in the Pacific during World War II … the rugged coastline extends nearly 1,600 miles with a major mountain range cutting through the centre. At least three countries claimed strongholds on this...
Something to consider…in my professional existence, I have always been a group benefits specialist. Although I am educated in money matters, individual insurance, financial planning, that is not where I shine and therefore, I leave those elements to those...
How are the pharmacy claims addressed for employee treatments of consistent, on-going, expensive drug treatment, which runs anywhere from $40,000-$80,000 a year? A portion of the claim falls under the experience of the benefits plan, but the vast majority is “pooled”...
