How Disability Management Programs Support Your Benefits Plan

disability management

3 min read If you’re a benefits plan administrator in Saskatchewan, there’s a good chance you’ve had to deal with a long- or short-term disability claim at some point in time. Disability leave is bound to come up, but did you know that some benefits plans offer a disability management program to address these types of claims? Disability […]

Why preventive Employee Health and Wellness Matter

Employee Health and Wellness

3 min read We’ve talked a lot recently about how workplace culture and employee well-being can have an impact on your employee benefits plan. Happier and engaged employees are less prone to fall ill when physical and mental health issues are avoided or addressed early on. Having a positive work culture that encourages open dialogue about mental health […]

Mental Health – Building Workplace Awareness

mental health

3 min read Mental health is a topic that’s being talked about increasingly and it’s important to recognize that it is a valid situation that employees may encounter at some point in their life. Between the challenges of finding work life balance, personal issues or trauma, stress at work, or any other number of concerns, we’ve seen an […]

Travel Plans? How Your Employee Benefits Travel Insurance Works

travel insurance

3 min read There have been lots of questions coming up around travel lately. It’s important to have a good understanding of how your employee benefits travel insurance works before planning a trip. A typical insured employee benefits plan would include travel insurance automatically built in to the extended health benefit. It provides coverage for an unexpected medical […]

The Sask Health Drug Plan – What You Need to Know

Sask Health Drug Plan

3 min read The Saskatchewan Drug Plan is a program available to all residents in the province. However, many people do not even know it exists. In this plan, Sask Health steps in to pay for a percentage of a Saskatchewan resident’s prescription drugs. The amount paid is based on their annual income. A family or individual qualifies […]

How much do benefits cost?

How much fo benefits cost

3 min read How much do (or should) benefits cost? Whether you’re an employer with an existing benefits plan, or if you’re looking to set up a new one, this is one question that we often hear from our clients and friends.  Yet, this is a challenging question to answer simply. Employee benefits rates can vary greatly based […]

Are Specialty drugs a threat to benefit plans in Saskatchewan?

Specialty Drugs

3 min read What are specialty drugs? Specialty drugs consist of high cost drugs, such as biologics, that doctors prescribe to treat complex medical conditions. Most insurance companies consider a medication a specialty drug when the annual cost exceeds $10,000.  Why should employers care about speciality drugs? Interestingly, less than 2 % of the population requires speciality drug […]

Should you work with an employee benefits specialist? Part 2

employee benefits specialist

3 min read In part 1 of this article, we talked about the difference in working with an employee benefits specialist vs a generalist when it comes to managing group benefits for your employees. Notably, 50% of group benefit plans in Canada are sold by advisors that don’t specialize in benefits. However, group insurance is a complex and […]

Your Group Benefits Review Process

Benefits Review

3 min read It is prudent for employers to review their employee benefits programs on a regular basis, usually every 3-5 years. But many clients wonder why they need to do a group benefits review at all. If your plan seems to be functioning well and employees are happy – why bother? And, what exactly does a benefit […]

Taxability of Group Benefits in Canada

taxability of benefits in Canada

2 min read With tax season upon us, we thought it would be a good idea to provide a refresher on how tax may apply to your employee group benefits plan in Canada. A typical employee benefits package includes extended health & dental benefits, life and accidental death & dismemberment insurance (AD&D), as well as disability and critical […]