National Pharmacare in B.C.
Most B.C. residents with diabetes or menopausal symptoms have trouble paying for prescription medications. This happens because insulin costs between $900 and $1,700 per year. Metformin costs about $100 per year. SGLT-2 inhibitors range from $100 to over $1,000 per...
3 Strategic HSA Design Tips (That Will Help You Avoid CDCP Confusion)
Offering a Health Spending Account seems straightforward. But with the rollout of the Canadian Dental Care Plan (CDCP), many plan administrators and advisors are hitting a wall. A simple mistake—like including dental in your HSA—might leave employees ineligible for...
What if Ozempic only cost $50 a month?
What if Ozempic only cost $50 a month? Millions more people would finally have access to effective weight-loss and diabetes meds: This shift is coming fast—and it starts in Canada. Right now, Ozempic and similar drugs cost $200–$400 per month in Canada. In the U.S.,...
Planning your next getaway?
You booked the flights. You researched the itinerary. You made the bucket list. But without travel insurance, everything you've worked for could fall apart within minutes. Medical emergencies abroad cost thousands of dollars. A cancelled trip means lost money. A...
HSAs & WSAs – Fund Distributions (Annual, Monthly, Quarterly or Semi-Annual)
Most owners have trouble with setting up fund distribution schedules that align with their benefits plan design. This happens because they don’t fully understand how distribution frequency impacts claim submissions and total...
Stop Wasting Thousands on Health Benefits: The Smart Canadian Small Business Guide to HSAs
Running a small business in Canada feels like a constant juggle, doesn't it? You're battling rising employee expectations and tight cash flow, all while trying to offer competitive health benefits without getting swallowed by sky-high insurance premiums. It often...
Business owner insurance
What is business owner insurance? Whether you’re starting out or looking for ways to grow your business, business owner insurance can help you protect yourself, your partners and employees and your family. In the early stages of your business, we can help you create a...
How key-person insurance can help your business
As a business owner, you know what it takes to be successful So, you want to protect your business today while making sure you plan for retirement and maybe even leave a legacy. But what happens if your plans get interrupted and you can’t continue running your...
Choose the right options for your workplace savings plan
Help your employees save for the future RRSPs, TFSAs, VRSPs, PRPPs - when it comes to offering retirement savings plans to employees, there are lots to consider. Make it simpler for your employees to save for the future by helping them understand what their choices...
Three reasons to offer employees a group benefits plan
Help employees manage their health for better work engagement If you’re trying to think of ways to attract, retain and engage employees, it may be worthwhile to consider adding a group benefits plan or updating your existing plan. When you offer a group benefits plan...
Healthy Ways to Cope with Stress
Not all stress is bad for us. Some stress is good—it helps our minds focus and our senses sharpen. However, continual high levels of stress have the opposite effect, actually interfering with our ability to function and taking a toll on our health. Therefore, it’s...
Knowledge is power in this new Coronavirus-driven reality
COVID-19 is changing our lives in countless ways; new developments are surfacing every day, prompting us to continually revise the way we think and act. As always, information is key. With that in mind, here are some of the most recent developments as of the...