by Mike Ignatz | Oct 7, 2019 | Benefits Costs, Employee Benefits, Executive Benefits, Flexible Benefits
While Canada continues to experience a growing multigenerational workforce, employers are currently trying to figure out how to not only encourage cohesion and collaboration among the generations, but also how to care for all of them. The needs and concerns of one...
by Mike Ignatz | Mar 22, 2019 | Benefits Costs, News
Ontario dental fees have been climbing annually, and 2019 is no exception. This year, the rates set by the Ontario Dental Association will increase by 4.19%. Dentists use the Provincial Dental Fee Guide to determine the rates they charge for services, while insurers...
by Mike Ignatz | Oct 24, 2018 | Benefits Costs
Spending on dental-related expenses has risen significantly over the past two decades, jumping from $2.3 billion in 1996 up to $7.9 billion in 2016. In fact, dental benefits accounted for 24 per cent of the total spent on extended health services by group or...
by Robert J. Crowder CLU, GBA | Feb 23, 2018 | Benefits Costs, Custom Plan Design
Groups such as religious organizations, not-for-profits, and charities often have specific needs for their healthcare plans that conventional off-the-shelf plans cannot accommodate. Benefits plan advisors have a great opportunity to offer customized benefits to this...
by Robert J. Crowder CLU, GBA | Sep 21, 2017 | Benefits Costs, Employee Benefits, Third Party Administration
A Third Party Administrator (TPA) is an organization that manages employee group benefit plans on behalf of an employer. A TPA can provide more cost-effective and flexible group insurance administration for small and mid-sized businesses than larger traditional...
by Robert J. Crowder CLU, GBA | May 25, 2017 | Benefits Costs, Benefits Taxation, Employee Benefits
Here’s a hard truth – your clients don’t owe you anything. The small group benefits industry is largely commodity-driven. Successful business owners (your clients) are concerned with getting value from their benefits plan so they can go back to focusing on their...